Personal Checking

Personal Checking Accounts

At People’s Bank, we know that choosing the right checking account is an important part of managing your financial life with confidence. That’s why we offer a variety of personal checking accounts designed to match your needs, habits, and goals.

Whether you’re looking for everyday convenience or tools to help you stay organized, our accounts include features that make banking simple and accessible—such as Online Banking, Mobile Check Deposit, and Bill Pay. Our team is here to help you find the perfect fit, ensuring you have everything you need to bank confidently and effectively.

Introducing PB Round Up — A Smarter Way to Save Automatically

Meet PB Round Up, our newest savings tool that helps you build your savings effortlessly—simply by using your People’s Bank debit card. It’s an easy, automated way to make saving part of your everyday routine.

How PB Round Up Works

When you enroll in PB Round Up:

Your debit card purchases are rounded up to the nearest dollar.
The spare change from each transaction is set aside throughout the day.
At the end of the day, all round up amounts are combined into one transfer and deposited into your savings account.
Only People’s Bank savings accounts are eligible (Money Market accounts do not qualify).

PB Round Up works quietly in the background—helping you grow your savings one purchase at a time.

Ready to Enroll?
Signing up is easy! To enroll in PB Round Up, contact your local People’s Bank branch, and our team will be happy to assist you in getting started.

Accordion 1

Freedom Checking

This account includes Online Banking and Bill Pay*. Monthly service charge is $5. Service charge is waived with eStatements and direct deposits, or 10 electronic debit transactions per statement cycle.

Accordion 2

People's Choice Checking

With People's Choice Checking, your monthly service fee is waived if you maintain an average available daily balance of $1,500 or you are 62 years of age and over. Monthly service charge is $10 with online banking and eStatements or $12 with paper statements. Enjoy unlimited check writing, Mobile Banking, Mobile Check Deposit, Banking and Bill Pay*.

Accordion 3

Checking Plus

Earn interest on all deposited funds when entire balance is $500 or more with a Checking Plus account. Monthly service charge is $12 with online banking and eStatements or $14 with paper statements. Service fee is waived with an average available daily combined checking and savings balance of $10,000.

Accordion 4

Elite Checking

Designed for our customers with high average available balances and moderate activity. $20 daily service fee is waived if the combined average available daily balance of $25,000 is maintained. View the benefits with this premium account on our Comparison Chart, which includes our Surcharge-free ATM Network-MoneyPass© usage domestically^†and Bill Pay*.

Accordion 5

Student Checking

Our Student Checking Account is designed to make money management simple, safe, and stress‑free for students ages 15–25. With no minimum balance requirement, and no monthly fees. It’s the perfect account for students who want modern banking without the hassle.

Students get fast, convenient tools like P2P access, Apple Pay, and Google Wallet, plus our free Money Manager to help track spending and build smart financial habits. Debit card perks include Card On/Off, custom alerts, and unlimited transactions to stay in control anytime.

To keep things streamlined and secure, eStatements are required (no paper statements). Teens 15–17 can open the account with an adult co‑owner. And because student life shouldn’t be expensive, the account includes no overdraft fees, no checks, and no Bill Pay—keeping things simple from day one.

Accordion 6

Money Market

Enjoy the benefit of earning interest with premium rates while having the convenience of check writing. A tiered rate structure allows higher account balances to earn higher interest. The $10 monthly service charge is waived by maintaining the $1,000 average available daily balance. Withdrawal limitations apply**

Need to reorder checks? You can order your checks online from Harland Clarke, our preferred provider.

Click Here to Order Your Checks Online

Secure, Fast Ordering - Ordering checks online from Harland Clarke is as safe and secure as ordering them in person or over the phone. The site is Verisign secure and TruSecure certified, so your transactions and account information are safe and completely confidential.

* Bill Pay fee is waived when you complete one or more bill payments each statement cycle, otherwise, a $5 inactivity fee applies.

† Foreign ATM fees waived domestically; owner surcharges may apply

Ac	Student	Freedom	People's Choice	Plus	Elite
Monthly Maintenance Service Charge	$0 for students ages 15-25 years of age eStatements required	$5 or $0 with Online Banking and eStatement & ONE of the following- Direct Deposit (or) 10 electronic debit transactions per statement cycle	$10 with Online Banking and eStatements $12 with paper statements or $0 if account holder is 62 or older or a average available daily balance of $1,500	$12 with Online Banking and eStatements $14 with paper statements or $0 if have a average available daily combined checking and savings account balance of $10,000	$20 or $0 if have a average available daily combined checking and savings account balance of $25,000
Surcharge-free ATM Network - MoneyPass©
Unlimited check writing
Mobile Banking & Mobile Check Deposit
Quicken Direct Connect
Interest Bearing				when entire balance is $500 or more
Free checks				Discount
Paper statement fee waived