Our Services

Checking

Types of Checking Accounts We Offer

We build our checking account products with the customer in mind.  From a Business Checking Account to Student Checking, we want to better serve you with better benefits and making managing your account easier.

Non-Interest Checking

  • Personal and Commercial Business
  • Both require $50.00 minimum deposit
  • To avoid a monthly service charge of $5.00, a minimum daily balance of $500.00 must be maintained
  • Student (full-time) and Regular Checking + (Age 62+)
  • Both carry no monthly service charges

Interest Checking

  • Personal Now and Business Now
  • Both require $1,000.00 minimum daily balance to avoid a $9.00 monthly service charge
  • Personal Super Now and Business Super Now
  • Both require $1,000.00 minimum daily balance to avoid a $13.00 monthly service charge

Checking with Benefits

  • Peoples Advantage (for individuals under 50)
  • Peoples 50 (for individuals over 50)
  • Both require $50.00 minimum deposit to open account
  • $7.00 monthly service charge avoided if $100.00 minimum daily balance maintained
  • Interest paid on balance over $500.00
  • Peoples Advantage Plus (for individuals under 50)
  • Peoples 50 Gold (for individuals over 50)
  • Both require $50.00 minimum deposit to open account
  • Monthly membership fees required
  • Interest paid on entire balance
  • Twice as many benefits offered!
Savings Accounts

Savings Accounts

Our Savings account products were also built with the customer in mind.  From a Personal Account to a large Commercial Account, we want to better serve you with better benefits and help make managing your account easier.

Personal Savings:

  • Personal and Commercial Business
  • $50.00 deposit required to open and earn interest

Money Market Savings:

  • $1,000.00 minimum balance required.
  • Interest based on tiered rates

Club Accounts:

  • Christmas/Vacation

Certificates of Deposits

Loans

Types of Loans we offer…

No Matter if you are in the market for a new home, a new car or just want to take that dream vacation we have the right loan for you.  With competitive rates and low fees, we are here to help make your dreams a reality.

Personal:

  • Auto
  • Dealer
  • Boat
  • Recreation

Real Estate:

  • Mortgage
  • Construction
  • Mobile Home
  • Home Improvements

 Other

  • Commercial:
  • Business
  • Agricultural
  • Small Business Administration
Other Banking Services

Other Banking and Commercial Services we offer…

  • Night Depository
  • Bank By Mail
  • Drive-Thru Window Service
  • Visa/Mastercard Merchant Plan
  • Peoples Bank Check Card
  • Account Reconciliation
  • Account Receivables/Purchasing
  • Electronic ACH Services


  • Corporate Origination Services
    *
  • Agricultural/Commerical Leasing
  • Collection Services
  • Federal Tax Depository – EFTPS
  • Wire Transfers
  • Direct Deposit
  • Safety Deposit Boxes
  • Cashier Checks
  • Notary Public Service
  • Letters of Credit
  • Trust Services
  • Automatic Transfer System
  • Bill Pay
 
Current Rates

Certificates of Deposit

 

Interest rates and annual percentage yields are current as of
Wednesday, November 12, 2014

                 

Term Annual Percentage Yield *Minimum Opening Balance
31 Day .10 $1,000
91 Day .20 $1,000
182 Day .20 $1,000
12 Month .40 $1,000
18 Month .40 $1,000
24 Month .65 $1,000
36 Month .95 $1,000
60 Month 1.20 $1,000

 

*Minimum balance required to earn annual percentage yield,
A penalty may be imposed for early withdrawal.
31 day CD: Annual percentage yield is based on interest compounding Monthly 91, 182 Day and 12, 18, 24, 36, and 60 month CDs: Annual Percentage Yield is based on interest compounding Quarterly.
Some limitations may apply.

 

Individual Retirement Rates

 

Type Annual Percentage Yield *Minimum Opening Balance
12 Month Fixed IRA .75 $50

 

Minimum balance required to earn annual percentage yield.
A penalty may be imposed for early withdrawal.
Annual percentage yield is based on interest compounding daily.
Some limitations may apply.

For more information, please call (606) 845.2461 or stop by our main office in Flemingsburg.
Terms and conditions are subject to change at Peoples Bank discretion.