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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.
 
Click here to download the Debit Card & ATM Opt In Form.
 
Product Features
free checking Relationship Platinum Checking1
Golden Club Checking1
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) N/A
Contact a PAB&T Banker for rate.
Contact a PAB&T Banker for rate. 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
Contact a PAB&T Banker for rate. Contact a PAB&T Banker for rate. 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 Yes2
Free Debit Card Yes
Yes Yes Yes2
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


1Fees may reduce earnings.
2Bill Pay and debit card will be available after 6 months of the account being in good standing.
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