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Personal Checking

We make Checking easy.

Call us or visit one of our offices today to speak with a Personal Banking Representative about choosing a checking account that will best meet your individual financial needs.
 
Product Features
free checking Relationship Platinum Checking2
Golden Club Checking2
Fresh Start Checking
Minimum Balance
to Open

$50 $1,000 $500 $50
Minimum Balance to Earn APY and Avoid Service Charge N/A $1,000 daily balance
or average balance
of $2,500
$500 daily balance
or average balance
of $1,000
N/A
Monthly 
Balance Fee
N/A
$10 $10 N/A
Interest Rate (APY)1 N/A
.10% APY .10% APY N/A
Qualifying Transactions for Bonus Rate N/A
1 ACH Credit, 6 POS & Enrollment in E-Statements 1 ACH Credit N/A
Bonus Rate with Qualifying Transactions N/A
$1k to $25k - 1.00% APY
>$25k - .10% APY4
.20% APY N/A
Additional Requirements N/A
N/A
Age 62 & Above 1 ACH Deposit, a Chex System record older than 1 year & a balanced owed of less than $250
Other Service Benefits Reimbursement of Non-PABT ATM fees up to
$25 per cycle
Reimbursement of
Non-PABT 
ATM
fees up to
$25 per cycle
Reimbursement of
Non-PABT ATM
fees up to
$25 per cycle 
Reimbursement of
Non-PABT ATM
fees up to
$25 per cycle
Free Online Banking, Mobile Banking &
Bill Pay
Yes Yes Yes Yes5
Free Debit Card Yes
Yes Yes Yes5
E-Statements Yes
Yes Yes Yes
Overdraft Protection (ODP) Available subject to credit approval Available subject
to credit approval
Available subject
to credit approval

Available subject
to credit approval

 
1Annual Percentage Yield. APY may change after account is opened. Rates are accurate as of 7/1/2019.
2Fees may reduce earnings.
3Federal law limits withdrawal transactions to 6 per statement cycle.
4Interest rate of 0.10% paid only on that portion of the balance >$25,000.00. Blended APY of 0.40% - 0.94% based on balances between $27,000 - $75,000.
5Bill Pay and debit card will be available after 6 months of the account being in good standing.
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