Checking
You have unique needs. We know how to meet them.
Manage your money more efficiently with our checking account options. As shown in the comparison chart below, each account offers convenience, service, and value you can trust.
All Checking Accounts Include:
- Peoples Trust Company VISA® Debit Card
- Online Banking Services
- eDocs
- Account eAlerts
- Bill Pay
- Zelle®
- Mobile & Tablet Banking
- Telephone Banking
- Overdraft Protection
- Credit Back on Qualifying Activities (See below)
- Apple Pay®
- Google Pay®
- Samsung Pay®
Checking Account Features
feature | Personal Connection | Personal Connection with Interest | Health Savings Account (HSA) |
|---|---|---|---|
| Minimum To Open | $25 | $25 | $0 |
| Minimum Balance to Earn Interest | N/A | $10,000 | N/A |
| Minimum Balance to Avoid Maintenance Charge | N/A | N/A | N/A |
| Monthly Maintenance Charge* | $6 | $6 | $0 |
| Earns Interest |  |  ** | |
| Peoples Trust Company VISA® Debit Card | | | |
| Online Banking, Mobile Banking, Bill Pay, eAlerts, Telephone Banking, eStatements | | | |
| Apple Pay®, Google Pay®, Samsung Pay® | | | |
* Monthly Credits will not exceed Monthly Maintenance Charge.
** You must maintain the minimum balance each day in your account to obtain the disclosed APY. Interest rate and annual percentage yield may change at any time. Interest will be compounded every month and credited every month. We use the daily balance method to calculate interest on your accounts. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Ways to Reduce or Eliminate Maintenance
Charge for Your Checking Account
Free account if you are under the age of 22 or over 62 years.*
Free if you keep $100,000 or more** in another PTC deposit account.
$2 waived if you enroll in eStatements.
$2 waived if you receive Direct Deposit.
$2 waived if 10 or more VISA® Debit Card POS transactions post per month.
* If you are under the age of 22, Maintenance Charge is waived for Personal Connection Checking. If you are over the age of 62, Maintenance Charge is waived for Personal Connection with Interest checking account.
** The other deposit account(s) must have the same primary account holder name. Please consult the Terms and Conditions section of your Understanding Your Deposit Account Disclosure for details.
