Checking Accounts

We have designed several accounts to meet the different needs of our community. Which account is best for you?

Account Type: Peoples E-Checking Peoples Basic Checking Peoples Checking Plus Peoples Premier 50 Gold Now Account Money Market Checking
Account Description Designed for customers who want to go green and utilize online banking. Ideal for customers with limited online access. Designed for customers with multiple banking needs. Provides free money orders and cashier's checks. Designed for customers 50 years of age and up. Provides free money orders and cashier's checks. Rewards higher balances with interest and allows for unlimited check writing. Tiered rate structure enables you to earn more interest with larger account balances. Transaction limits apply.
Minimum Daily Balance
(to avoid minimum balance fee)
N/A $400 N/A N/A $1000 $1000
Minimum Balance Fee/Monthly Service Charge
N/A $3/month (if daily balance falls below $400. Waived upon opting in for E-Statements) $5 $4 $7/month (if daily balance falls below $1000) $7/month (if daily balance falls below $1000)
Interest Bearing Account Yes No No Yes Yes Yes
Statements E-Statements E-Statements or Paper E-Statements or Paper E-Statements or Paper E-Statements or Paper E-Statements or Paper
ATM/ Basic Debit Card Free Free Free Free $1/month charge $1/month charge
Checks Free initial order of wallet or duplicate basic design Peoples Preferred checks Free initial order of wallet or duplicate basic design Peoples Preferred checks Free wallet or duplicate basic design Peoples Preferred checks Free wallet or duplicate basic design Peoples Preferred checks Contact us for pricing. Contact us for pricing.
Rebate of ATM surcharge fee Up to 6 per month N/A N/A N/A N/A N/A

There is a minimum opening deposit of $100 on all Checking accounts. Service charges and fees for accounts opened at Iowa branches may be subject to Iowa State sales and local option tax.

Open Chart as a PDF to print

Free online banking, bill pay, and mobile banking is available with all of our Checking accounts.

Account Type
Account Description
Peoples Basic Checking Ideal for customers with limited online access.
Peoples E-Checking Designed for customers who want to go green and utilize online banking.
Peoples Premier 50 Gold Available only to customers 50 years of age and up. Provides free money orders and cashier's checks.
Now Account Rewards higher balances with interest and allows for unlimited check writing.
Peoples Checking Plus Designed for customers with multiple banking needs. Provides free money orders and cashier's checks.
Money Market Checking Tiered rate structure enables you to earn more interest with larger account balances. Transaction limits apply.
Minimum Daily Balance (to avoid monthly minimum balance fee)
Peoples Basic Checking $400
Peoples E-Checking N/A
Peoples Premier 50 Gold N/A
Now Account $1,000
Peoples Checking Plus N/A
Money Market Checking $1,000
Monthly Minimum Balance Fee/Monthly Service Charge
Peoples Basic Checking $3.00 (if daily balance falls below $400. Waived upon opting in for E-Statements)
Peoples E-Checking N/A
Peoples Premier 50 Gold $4.00
Now Account $7.00 (if daily balance falls below $1000)
Peoples Checking Plus $5.00
Money Market Checking $7.00 (if daily balance falls below $1000)
Interest Bearing Account
Peoples Basic Checking No
Peoples E-Checking Yes
Peoples Premier 50 Gold Yes
Now Account Yes
Peoples Checking Plus No
Money Market Checking Yes
Statements
Peoples Basic Checking E-Statements or Paper
Peoples E-Checking E-Statements
Peoples Premier 50 Gold E-Statements or Paper
Now Account E-Statements or Paper
Peoples Checking Plus E-Statements or Paper
Money Market Checking E-Statements or Paper
ATM/ Basic Debit Card
Peoples Basic Checking Free
Peoples E-Checking Free
Peoples Premier 50 Gold Free
Now Account $1/month charge
Peoples Checking Plus Free
Money Market Checking $1/month charge
Checks
Peoples Basic Checking Free initial order of wallet or duplicate basic design Peoples Preferred checks
Peoples E-Checking Free initial order of wallet or duplicate basic design Peoples Preferred checks
Peoples Premier 50 Gold Free wallet or duplicate basic design Peoples Preferred checks
Now Account Contact Us for pricing.
Peoples Checking Plus Free wallet or duplicate basic design Peoples Preferred checks
Money Market Checking Contact Us for pricing.
Rebate of ATM surcharge fee
Peoples Basic Checking N/A
Peoples E-Checking Up to 6 per month
Peoples Premier 50 Gold N/A
Now Account N/A
Peoples Checking Plus N/A
Money Market Checking N/A

There is a minimum opening deposit of $100 on all Checking accounts. Service charges and fees for accounts opened at Iowa branches may be subject to Iowa State sales and local option tax.

Click here to download the above chart.

Free online banking, bill pay, and moblie banking is available with all of our Checking accounts.

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Peoples State Bank
Phone:  (800) 280-1074    24-hour Touch Tone Banking:  (800) 281-0214 Routing Number: 075908658
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