photoPersonal Checking Accounts

Giving you full control of your finances like never before! Check out all of our account options to see what fits best for you.  All of our checking products come with Online Banking, Mobile Banking, Text Message Alerts, ATM/Debit Cards, Bill Pay and much more!

Frequently Asked Questions

What do I need to open up a checking account?
The bank will need your basic information, such as: Social Security number, Primary and Secondary ID and a minimum opening deposit.

What information would I need for a joint checking account?
The same information that’s needed when opening an individual account, but you’ll need it for both applicants

What is a Primary ID?
All primary documents must include all of the following characteristics to be considered an acceptable primary identification document:

  • Unexpired status with issue date of more than 30 days preceding date of account opening
  • Photograph clearly identifying the person presenting the identification document
  • Name
  • Physical Address of Residence
  • Date of Birth
  • Document Identification Number

Examples: Driver License, United States Passport, Active or Retired Military ID, Permanent Resident Card

What is a Secondary ID?
The following documents are examples of secondary identification documents for US Persons and Non-US Persons. At least two of the following documents must be presented to provide acceptable identification:

  • Medicare Card / Medicaid Card
  • Veterans Universal Access Identification Card
  • United States Voters Registration Card
  • Original or certified birth certificate issued by a U.S. state, jurisdiction or territory
  • U.S. Citizen Identification Card

Where can I open up the account?
Visit us at any location to open your checking account needs

Can I open up the account online?
Peoples Bank and Trust Co. is working on providing you with this option but at this time we require all accounts to be opened up at one of our locations.
What is a POD?
Payable-on-Death or POD.  Names the beneficiary of your checking account proceeds at the time of your death. You can add this to any personal account. All we need is the POD Social Security number, Date of Birth and current address.  To find out more please visit with one of our account reps at one of our locations.

What is an Authorized Signer?
An authorized signer has many of the same rights to the account as the account owner. They can sign checks from the account, access the account's balance and view transactions and more. When adding an authorized signer to your account be sure to ask your banker what all you would and wouldn’t want the authorized signer to be able to do on your account.

Peoples Checking Vintage Checking Elite Checking

Ideal everyday checking

For those
62 & Better

High Yield Interest Checking

Min. to open




Annual Percentage Yield

Non-interest bearing

Non-interest bearing

0.35%  APY*

Service Charge




How to avoid Service Charge

$100 avg. balance per statement cycle

$100 avg. balance per
Statement cycle

$500 avg. balance per statement cycle




ACH per statement cycle

Debit Card

Yes, with EMV Security

Yes, with EMV Security

Yes, with EMV Security


Access to 16,000 ATMs in 14 States with no surcharge

Access to 16,000 ATMs in 14 States with no surcharge

Access to 16,000 ATMs in 14 States with no surcharge


1 Box of starter checks free at account opening

1 Box of checks free annually

Unlimited Checks for Life of account

  Transactions Unlimited Unlimited Unlimited

All Checking accounts come with:

Chip Protected Card with Fraud Guard Security Online and Mobile Bill Pay Mobile App Available with Remote Deposit Ability
Balance Insured Up to FDIC Applicable Limits Receive Text Message Alerts For All Account Activity Online Banking with Funds Manager

For complete information, refer to our Truth in Savings disclosure available at any retail location.

*APY = Annual Percentage Yield is accurate as of 6/1/2024. Terms and conditions are subject to change without notification. Interest rate shown is a variable rate that may change after the account is opened. Fees could reduce earnings. No broker deposits. To open Elite Checking, you must open with $500. One ACH Debit or Credit is required per statement cycle to earn 0.35% APY. If no ACH is conducted, interest rate will be .35% APY. Traditional style single checks only. 3rd party internet data / fees may apply for online banking and mobile products, please check with your provider.