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Checking Accounts

Personal Checking Account Types

A listing of Personal Checking Account types offered by Peoples National Bank of Checotah.
 About The AccountRequirementsBenefitsCost/Fees
PNB Smart Checking
About The Account
A No Service Charge Account
Requirements

Minimum Balance to Open - $100

Benefits

 yes Free Itemized Statement


 yes No monthly service charge


 yes Unlimited check writing privileges  

Cost/Fees

None

Peoples Choice-Plus 55
About The Account
An account for those customers that deserve to be rewarded in their "Golden Years."
Requirements

Minimum Balance to Open - $100

Benefits

 yes No monthly service charge for Senior Citizens 55 and over for balances greater than $500.00


 yes Unlimited check writing privileges  

Cost/Fees

No fee unless the balance falls below $500. If balance falls below $500, the monthly fee is $3.00.

Nostalgia Checking
About The Account
The account that allows you the ability to set the fee structure most suited for your needs.
Requirements

Minimum Balance to open - $100.00

Benefits

No fee for accounts with balances greater than $1000.00

Cost/Fees

Fee is based on daily low balances:
Less than $100.00 is $6.00
$100.00 to < $200.00 is $5.00
$200.00 to < $300.00 is $4.00 
$300.00 to < $400.00 is $3.00
$400.00 to < $500.00 is $2.00

Excessive Withdrawal Fee - An excess item fee of $.10 will be charged for each debit in excess of 20 during a statement cycle. This will not apply if a minimum daily balance of $1,000.00 is maintained.

Now Investment Checking
About The Account
An interest bearing account that allows you unlimited check writing while you earn interest on your balance.
Requirements

Minimum Balance to open - $1,000.00

Benefits

Daily balance computation method - Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Unlimited check writing on balances greater than $1,000.00

Cost/Fees

 yes Minimum balance to avoid Service Charge fee - A minimum balance fee of $10.00 will be imposed every monthly statement cycle unless you maintain a minimum daily balance of $1,000.00.


 yes Excessive Withdrawal Fee - An excess item fee of $.15 will be charged for each debit in excess of ten during a statement cycle if the balance falls below $1,000.00 at any time during the statement cycle.


RATE INFORMATION:
​​​​​​​At our discretion, we may change the interest rate for this account.

HI-FI Investment Checking
About The Account
The investment account for those depositors that like a higher rate of return with any time access and limited restrictions.
Requirements

 yes Minimum Balance to open - $2,500.00 

 yes Limited number of monthly withdrawals. Contact customer service representatives for details.

Benefits

 yes Daily balance computation method - Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.


 yes Tiered pricing on balances.  

Cost/Fees

 yes Minimum balance to avoid Service Charge Fee - A minimum balance fee of $10.00 will be imposed every monthly statement cycle unless you maintain a minimum daily balance of $2500.00.


 yes A .99 excess item fee will be assessed on each debit excess of six during a statement cycle.


RATE INFORMATION:

At our discretion, we may change the interest rate for this account.

 

Business Checking Accounts

Business Checking Accounts offered by Peoples National Bank of Checotah.
 RequirementsBenefitsCost
Business Checking
Requirements

Minimum Balance to Open - $100.00

Benefits

Credits earned on collected balances

Cost

A fee of $5.00 and per item transit item fee of $.06

Your Business Checking
Requirements

Minimum Balance to Open - $100.00

Benefits

100 Transactions Per Statement Cycle

Transactions include checks, deposits, and deposited items

Electronic items are not counted as a transaction

Cost

A service charge fee of $.25 will be imposed on every transaction that exceeds the 100 transactions during the statement cycle

 
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