• No minimum balance or deposit requirement to open account
• No annual fee debit card
• Unlimited debit card transactions with no per item fee
• Unlimited ATM transactions with no per item fee (you may be asked to pay a user fee to the owner of an ATM not placed by The Peoples State Bank)
• Up to 15 checks/paper transactions per statement cycle with no fee
• Checks/paper transactions in excess of 15 per statement cycle incur a $1.00 per item fee
• Non-interest bearing
• Check safekeeping (checks will not be returned with monthly statement)

Regular Checking

• Unlimited check writing
  
• Free to: Seniors (age 60 or better), Students (age 25 or less), Active duty Servicemen/women, non-profit organizations
  
• No monthly fee with maintenance of $500.00 minimum balance in account at all times
  
• No monthly fee with maintenance of $750 minimum balance in Golden Passbook Savings or Certificate of Deposit
  
• Monthly fee to those not meeting above criteria:
  • .30 per check written in excess of 20 per month plus
    
  • a maintenance fee based on minimum daily balance, (see Truth-In-Savings Disclosure)
    
• Non-interest Bearing
  
• Check safekeeping (checks will not be returned with monthly statement)
  

Universal NOW Account

• $1,000.00 minimum to open & obtain Annual Percentage Yield (APY)
• Unlimited check writing
• Tiered interest rates based on average rate reported from previous month's 13 week U.S. Treasury Bill auctions; Interest Rate and APY may change after opening the account
• Monthly service charge if balance falls below $1,000: 11.50 plus .30 per check (fees could reduce earnings)
• Available to individuals, non-profit organization, governmental units, and sole proprietorships
• Check safekeeping (checks will not be returned with monthly statement)
• Interest rate & APY are updated daily & reflect today's date

Personal Reserve Account

• Advances a loan in exact amount of overdraft to checking account.
• Advances are repaid automatically each time deposits are made to checking account.
• $20.00 annual fee
• 18% APR

ATM/Debit Card

• VISA debit card
• Avoids the hassle of writing checks
• Can be used anywhere VISA is accepted
• $15.00 annual fee when not issued in conjunction with Technology Checking

Check Order

Avoid the hassle of mailing in reorder forms by ordering The Peoples State Bank checks online!