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People's Bank of Commerce

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Personal Savings
 

Opening your People's Bank account couldn't be easier.  We are please to offer the convenience of opening a Personal Savings account online today!

 

Open Your Account

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Savings

Your Savings account will earn interest on deposited funds.  It’s a great way to put money away for something special or a rainy day.  Minimum opening deposit is $100.  Minimum average daily balance to avoid a $3 monthly service fee is $200.  No monthly fee for account owners under 18 or 50 years and over.  Withdrawal limitations apply.*

Open a Savings Account Today!

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First-Time Home Buyer Savings 
Allows Oregon residents to save money for a first-time home ownership with benefits of deducting taxable income.  A First-Time Home Buyer Savings Account can be opened anytime between January 1, 2019 through December 31, 2026.  Money deposited in the account must be used to buy a single-family home within 10 years of opening the account. Minimum to open account is $100.  Minimum average daily balance to avoid a $3 monthly service fee is $200.  Withdrawal limitations apply.*
 
What can you spend your First-Time Home Buyer Savings Account on?
  • Loan Origination Fees
  • Down Payment
  • Closing Costs
  • Appraisal Costs
  • Realtor Fees          
Open a First-Time Home Buyer Savings Account and close your home loan through People's Bank and get a $250 closing cost credit.**
 
For more information regarding tax implications and eligible expenses, visit the Oregon Department of Revenues FAQ Page.    
 
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Money Market
Enjoy the benefit of earning interest with premium rates and still have 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 minimum average daily balance. Withdrawal limitations apply.*
 
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Certificates of Deposit
$500 minimum opening deposit. Select a maturity date that best fits your needs.  Rates are based on term of investment. Flexible terms from 3 months to 10 years are available. Early withdrawal penalties apply. 
 

* Federal regulations limit Savings and Money Market withdrawals to six pre-authorized withdrawals per month. Pre-authorized withdrawals include but are not limited to: ACH debit, telephone transfers, online banking transfers, overdraft protection and checks.

** Not a commitment to lend. Must be used to purchase a first lien home.  

All funds withdrawn must be eligible expenses or tax penalties may apply. 


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Personal Accounts

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PERSONAL CHECKING

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