Business Deposit Products

Certificates of Deposit I FDIC Insurance I CDARS I Deluxe Check Orders I Identity Theft

	Checking	NOW	Money Market	Savings
	open account	open account	open account	open account
	move my account from another bank	move my account from another bank	move my account from another bank	move my account from another bank
Service charge:	None when balance* remains above $2,000 $5 per month when balance* falls below $2,000	None when balance* remains above $2,000 $5 per month when balance* falls below $2,000	Free	None when balance* remains above $250 $5 when balance* falls below $250 (Per calendar quarter)
Minimum to open:	$500	$1,000	$2,500	$100
Online Banking:	Free Click here to enroll in online banking	Free Click here to enroll in online banking	Free Click here to enroll in online banking	Free Click here to enroll in online banking
Debit card:	Free* Click here for your debit card *Available to sole proprietorships	Free with a PEB transaction account* Click here for your debit card *Available to sole proprietorships	Free with a PEB transaction account* Click here for your debit card *Available to sole proprietorships	Free with a PEB transaction account* Click here for your debit card *Available to sole proprietorships
Checks or withdrawals per statement:	Includes 25 free debits per statement and only 25¢ thereafter	Includes 25 free debits per statement when your balance* remains above $2,000 and only 25¢ per debit thereafter	3 Free withdrawals per calendar quarter and only $1 per withdrawal thereafter***	3 Free withdrawals per calendar quarter and only $1 per withdrawal thereafter***
Details you may want to know:	Balance refers to the average daily collected balance. 5¢ per foreign item deposited after 100 items. 1% earnings credit (subject to change) on balance over $2,000	*Balance refers to the average daily collected balance. 5¢ per foreign item deposited after 100 items. Interest compounded and credited to your account monthly.	A balance* of $2,500 is required to earn interest. Interest compounded and credited to your account monthly Balances* over $50,000 may be paid a higher interest rate on the entire balance* at our discretion	Interest will be compounded and credited to your account semi-annually

* Average daily collected balance

** Regulations limit all Money Market Accounts to 6 preauthorized debits per month, 3 of which may be checks.

*** Regulations limit all Savings Accounts to 6 preauthorized debits per month.

Time Certificates of Deposit

Peoples Exchange Bank offers time certificates from seven days to 30 months at competitive rates. Please contact a customer service representative at any of our locations to learn about our current rates.

Belleville	Clyde	Concordia
785.527.2213	785.446.3331	785.243.2000

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money-laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means to you: when you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.