Personal Checking

FDIC Insurance I CDARS I Deluxe Check Orders I Identity Theft

	Personal Checking	Free Checking	Senior Checking
	open account	open account	open account
	move my account from another bank	move my account from another bank	move my account from another bank
Best if you want:	A simple account with images of your checks delivered with your statement	A worry-free account and don’t need images of your checks	A simple check account with a lower balance requirement and a lower monthly service charge
Maintenance Fee:	None when you maintain a balance* above $500 $7.50 when your balance* falls below $500	Free - * E-Statement REQUIRED	None when you maintain a balance* above $250 $7.50 when your balance* falls below $250
Minimum to open:	$100	$100	$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
Debit card:	Free Click here for your debit card	Free Click here for your debit card	Free Click here for your debit card
Checks or withdrawals per statement:	Includes 25 free debits per statement and only 25¢ thereafter Online banking transfers and debit card or ATM transactions do not count as a debit.	Unlimited Online banking transfers and debit card or ATM transactions do not count as a debit.	Includes 25 free debits per statement and only 25¢ thereafter Online banking transfers and debit card or ATM transactions do not count as a debit.
Extras:	.25% discount on personal auto loans with auto-debit payments from your Personal Checking Make monthly auto-debit contributions as small as $25 to your PEB IRA	.25% discount on personal auto loans with auto-debit payments from your Free Checking Make monthly auto-debit contributions as small as $25 to your PEB IRA	.25% discount on personal auto loans with auto-debit payments from your Sr/Student Checking Make monthly auto-debit contributions as small as $25 to your PEB IRA
Details you may want to know:	*Balance refers to the average daily collected balance. E-Statement Available	With Free Checking, you will receive monthly E-Statements, but no check images to clutter your handy free binder E-Statement REQUIRED	Senior Checking is available to customers over 60 One Senior account per customer *Balance refers to average daily collected balance E-Statement Available

Average Daily Balance, Maintenance Fee, and Interest Calculation Information

We use the average daily collected balance method to determine the balance for purposes of applying maintenance and debit fees. A periodic rate is applied to the average daily collected balance in the account for the period. The average daily collected balance is calculated by adding the collected principal balance in the account for each day of the period and dividing that figure by the number of days in the period.

Account Fees
Overdraft Fees, per item (Imposed for overdrafts created by checks, in-person withdrawals, ATM or by other electronic means, as applicable.)	$30.00
Return Check Charge, per item (We reserve the right to post debit items in any order on the day they are presented for payment.)	30.00
Continuous Overdraft fee (Ths is a per day administrative charge for each day overdrawn after 7 calendar days.)	$8.00/day
Stop Payment Fee, per request	30.00
Hold Fee, per month	30.00
Reconcilement/Research, per hour	25.00 ($25.00 minimum)
Research Item Copy, per copy	1.00
Additional Statement/Activity Printout	2.00
Printed Checks	Varies by style
Image Copy, per item	0.25 ($2.00 minimum)
Temporary Checks, per 10 checks	5.00
Returned Deposit Item, per item	5.00
Collection Items, per item	25.00
Auto Bill Payment, per bill	2.50
Garnishments, Tax Levies and Other Legal Processes	30.00
Inactive Account, per month (An account is inactive when it has no deposits or withdrawals for 12 months. An account is not inactive if it has interest credited or a service charge debited.)	7.50
Money Card (Debit Card) Transaction Charge There is NO charge when your PEB debit card is used at a Peoples Exchange Bank ATM. There is NO charge when your PEB debit card is used for a point of sale or merchant purchase. If your PEB debit card is used at another ATM, the ATM access fee charged by PEB is: $2.50 per cash withdrawal $1.00 per transfer between accounts linked to your card When you use an ATM not owned by PEB, you may be charged a fee by the ATM operator or network for a withdrawal, a funds transfer or a balance inquiry. Charges will be deducted from your account and are not waived due to the balance in your account. Money Card (Debit Card) Charges Foreign ATM charge is $2.50 The first two cards per account are free. Additional cards are $5.00 per card. The replacement of a lost, stolen or damaged card is $10.00 per card. The replacement of a PIN is $10.00 per card. The charge is $10.00 to report a lost or stolen card.

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.

Online Banking

Online banking with Peoples Exchange Bank gives you total control over your banking hours and maximum ease and convenience in managing your accounts. You can check account balances, review transactions, view and print monthly statements, transfer money, pay bills and make loan payments. You can manage your banking anytime from anyplace you happen to have internet access. Click here to get started with a personal online banking account or click here for a commercial online banking account.