Checking & Savings

Freedom's Choice Free Checking
This account requires no minimum balance and has no monthly fees. We do not offer a Mastermoney™ debit card on this account.

Conditions: Cancelled checks are stored at the bank for your convenience. Copies of cancelled checks or deposit items may be obtained at the customer's request. Our internet banking product does not allow transfers on this type of account

'Peoples' Value Checking
This account requires no minimum balance and has no monthly service fees. Conditions: This account is limited to 20 debit transactions per statement cycle. A excessive check charge of .$50 will be charged for each debit transaction (withdrawal, check paid, automatic transfer, or payment out of this account) in excess of 20 debit transactions. There is a $1.00 monthly fee for the Mastermoney™ debit card used with this account.

Regular Checking
This account requires no minimum opening deposit. A monthly service charge of $7.50 will be imposed every statement cycle if the average daily balance falls below $500.00. The average daily balance is calculated by adding the principal for the account for each day of the period and dividing that figure by the number of days in the period.

Business Checking
This account requires no minimum opening deposit. A monthly service charge of $7.50 will be imposed every statement cycle if the average daily balance in the account falls below $750.00. The average daily balance is calculated by adding the principal for the account for each day of the period and dividing that figure by the number of days in the period.

Now Account
In accordance with Regulation D, this account is available only to individuals, sole proprietorships, non-profit organizations and governmental units.

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change at our discretion. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Fees could reduce earnings on the account. Interest will be compounded monthly and credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies the daily periodic rate to the principal to the account each day. You must maintain a minimum balance of $1,000.00 to obtain the disclosed annual percentage yield. Limitations: You must deposit $1,000.00 to open this account. Account Fees: A service charge of $7.50 will be imposed every statement cycle if the average daily balance for the cycle falls below $1,000.00. The average daily balance is calculated by adding the principal for the account for each day of the period and dividing that figure by the number of days in the period.

Super Now Account
In accordance with Regulation D, this account is available only to individuals, sole proprietorships, non-profit organizations and governmental units.

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change at our discretion. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Fees could reduce the earnings on the account. Interest will be compounded monthly and credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest. Balance Information: We use the daily balance method to calculate the interest on the account. This method applies the daily periodic rate to the principal to the account each day. You must maintain a minimum balance of $1,000.00 to obtain the disclosed annual percentage yield. Limitations: You must deposit $1,000.00 to open this account. Account Fees: A monthly service charge of $7.50 will be imposed every statement cycle if the average daily balance in your account falls below $2,500.00. The average daily balance is calculated by adding the principal for the account for each day of the period and dividing that figure by the number of days in the period. A fee of $.20 will be charged for each debit transaction (withdrawal, check paid, automatic transfer, or payment out of this account) in excess of Fifteen (15) during a month.

'Peoples' Prestige Account
In accordance with Regulation D, this account is available only to individuals, sole proprietorships, non-profit organizations and governmental units. Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change at our discretion. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Fees could reduce the earnings on the account. Interest will be compounded monthly and credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest. Balance Information: We use the daily balance method to calculate the interest on the account. This method applies the daily periodic rate to the principal to the account each day. You must maintain a minimum balance of $1,000.00 to obtain the disclosed annual percentage yield. Limitations: You must deposit $1,000.00 to open this account. This account is available to any individual age 55 or above. Account Fees: A monthly service charge of $5.00 will be imposed every statement cycle if the average daily balance in the account falls below $1,000.00. The average daily balance is calculated by adding the principal for the account for each day of the period and dividing that figure by the number of days in the period. Free Services: This account offers the following services free of charge: • Traveler's Checks • Cashier's Checks • Check Orders • Incoming Wire Fees • Small Safe Deposit Box (If large safe box is required, you will be responsible for the difference in the rental fee).

Money Market Account
Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change at our discretion. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Fees could reduce the earnings on the account. Interest will be compounded monthly and credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal to the account each day. You must maintain a minimum balance of $1,000.00 to obtain the disclosed annual percentage yield. Limitations: You must deposit $2,000.00 to open this account. You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction. Three (3) of these transfers may be made by check, draft debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited. Account Fees: A monthly service charge of $7.50 will be imposed every statement cycle if your average daily balance falls below $2,000.00. The average daily balance is calculated by adding the principal for the account for each day of the period and dividing that figure by the number of days in the period. A check charge of $1.00 will be charged for each debit transaction (withdrawal, check paid, automatic transfer, or payment out of this account) in excess of three (3) debits per month.

Savings Account
Rate information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change at our discretion. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Fees could reduce earnings on the account. Interest will be compounded semi-annually and will be credited to the account semi-annually. If the account is closed before interest is credited, you will not receive the accrued interest.

Balance Information: We use the daily balance method to calculate the interest on the account. The method applies a daily periodic rate to the principal in the account each day. Limitations: You must deposit $25.00 to open this account. Transfers from this account to another account or to a third party by preauthorized, automatic, telephone transfer, or draft is limited to three per month. A excessive debit charge of $1.00 will be charged for each debit transaction in excess of nine (9) per statement cycle.

Little 'Peoples' Savings Account
Rate information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change at our discretion. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Fees could reduce earnings on the account. Interest will be compounded semi-annually and will be credited to the account semi-annually. If the account is closed before interest is credited, you will not receive the accrued interest.

Balance Information: We use the daily balance method to calculate the interest on the account. The method applies a daily periodic rate to the principal in the account each day. Limitations: You must deposit $5.00 to open this account. Transfers from this account to another account or to a third party by preauthorized, automatic, telephone transfer, or draft is limited to three per month. A excessive debit charge of $1.00 will be charged for each debit transaction in excess of nine (9) per statement cycle.