Regular Savings Account
- No minimum balance to open the account
- A maintenance fee of $1.00 will be imposed every statement cycle if the balance in the account falls below $50.00 any day of the cycle.
- A maintenance fee of $1.00 will be imposed every statement cycle if the balance in the account falls below $50.00 any day of the cycle.
- Transfers from a Regular Savings account to another account or to third parties by preauthorized, automatic or telephone transfer are limited to 6 per month with no more than three by check, draft, or similar order to third parties.
- A Regular Savings excess debit fee of $1.00 will be charged for each debit transaction in excess of 3 during a month
- For rate information please call (931) 864-3168 or (606) 387-5626 or e-mail us at customerservice@pbtco.net
Golden Savings Account
- No minimum balance to open the account
- Interest is credited to your account every quarter
- You may withdraw funds only during the first ten days after the end of the quarter. If a withdrawal is made outside of the specified withdrawal period, you will lose one month's interest on the amount withdrawn.
- For rate information please call (931) 864-3168 or (606) 387-5626 or e-mail us at customerservice@pbtco.net
Christmas Club Savings Account
- Interest is credited to your account every year
- If you close your account before interest is credited, you will not receive the accrued interest.
- Maximum deposit is $5,000.00
- If there is a withdrawal made before November the account will be closed
- You can only withdraw interest credited in the term before maturity of that term. You can withdraw interest any time during the term of crediting after it is credited to your account.
- This account will not automatically renew at maturity. Also, if you do not renew the account, interest will not accrue after maturity
- For rate information please call (931) 864-3168 or (606) 387-5626 or e-mail us at customerservice@pbtco.net
Common features
The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account.
| Feature | Fee |
|---|---|
| Check printing | (fee depends on style of check ordered) |
| Money order | $1.00 each |
| Cashier's checks | $3.00 each |
| Nonsufficient funds (NSF) item | $26.90 each |
| Overdraft status daily fee: Personal | $5.00 |
| Overdraft status daily fee: Commercial | $5.00 |
| Account research | $15.00/hour |
| Dormant accounts | $2.00/month |
| Stop payments-checks | $15.00 each |
| Stop payments-ACH | $25.00 each |
| Statement reprints | $3.00 each |
| Image item reprints | $1.00 each |
| Replacement debit cards | $5.00 each |
| Photocopies | $0.50 each |
| Wire transfers: Outgoing | $25.00 each |
| Wire transfers: Incoming | $25.00 each |
We may require not less than 7 days notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See your notice of penalty for early withdrawal.
