Peoples Bank Coldwater Ohio

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Checking Services

Account Type	Features
	Minimum Age, and Other Qualifications	Monthly Service Fee	Balance Requirements to Waive Monthly Service fee *	Check Processing Fee	Unlimited Check Writing	Interest Earning	Overdraft Protection Available	Internet Banking, Bill Pay, Check Images, ATM/Debit Card ***
Peoples Choice	18	$7.00	$100, or $1500 in a savings account	$0
Peoples Choice Payroll Plus	18 & Must have ACH direct deposit of payroll.	$0.00	No minimum	$0
Regular	18	$5.00	$500, or $1500 in a savings account	$0
NOW	18	$9.00	$500	$.20 per Check Over 30 per Cycle
Classic 55	55	$9.00	$500 and $5000 in CDs or IRA	$0
Econo	18	$1.50	$1500 in a savings account	$.20 per Check **
Special	Must be either: Age 60, Non-profit organization, or Estate Account	$0.00	No minimum	$0
* Savings account must be combined with checking account on monthly statement
** The check-processing fee for Econo accounts is waived if a balance of $1500.00 is maintained in a savings account
*** Transaction fees may apply

You receive all these benefits with any Peoples Bank Co. checking account
Master Money debit card so you can make purchases at stores without having to write a check (subject to approval) ATM card giving you access to your accounts 24 hours a day (subject to approval) Check safekeeping, which means we store your cancelled checks for you. Direct deposit of payroll Direct deduction of loan payments Discount of 1/2% on installment loans if your payment is deducted from your checking account Overdraft protection through savings or Visa or MasterCard (subject to credit approval) Fixed transfers to various bank accounts Night deposit services available at all our offices No charge for Notary Public services Internet access of your account 24 hours a day Electronic bill payment available

You receive all these benefits with any Peoples Bank Co. checking account

Master Money debit card so you can make purchases at stores without having to write a check (subject to approval)
ATM card giving you access to your accounts 24 hours a day (subject to approval)
Check safekeeping, which means we store your cancelled checks for you.
Direct deposit of payroll
Direct deduction of loan payments
Discount of 1/2% on installment loans if your payment is deducted from your checking account
Overdraft protection through savings or Visa or MasterCard (subject to credit approval)
Fixed transfers to various bank accounts
Night deposit services available at all our offices
No charge for Notary Public services
Internet access of your account 24 hours a day
Electronic bill payment available

Peoples Choice Checking
Our most popular option! Just $100 in checking or $1500 in a combined statement savings account will waive the monthly service fee. Only $7.00 monthly fee if your daily balance falls below $100 No check processing fees Unlimited check writing so you can write as many checks as you want!

Peoples Choice Payroll Plus Checking
By simply having your paycheck automatically deposited, you will enjoy a Peoples Choice checking plus these additional benefits. No monthly service charge No minimum balance requirement One free box of basic style checks (New customers only) Free safe deposit box for one year (subject to availability, new box only)

Regular Checking
Just $500 in checking or $1500 in a combined statement savings account will waive the monthly service fee Low monthly fee of just $5.00 if your balance falls below $500 Unlimited check writing means you can write as many checks as you want No check processing fee Check safekeeping or have your check images included in your statement for a small monthly fee of just $5.00. The choice is yours!

Econo Checking
Designed especially for individuals and businesses that do not write many checks. No minimum balance requirement Monthly service fee is only $1.50 Monthly service fee can be waived by simply maintaining $1500 in a combined statement savings account Check processing fee of just $ .20 per check No check writing limitations

Special Checking
If you are 60 years of age or older, a non profit organization, or need to establish an estate account for someone, you would qualify for this special checking account. No minimum balance requirement No monthly service fee A one time set up fee of $5.00 for estate accounts Unlimited check writing so you can write as many checks as you want No check processing fees Check safekeeping or have your check images included in your statement for a small monthly fee of just $5.00. The choice is yours!

Special Checking

If you are 60 years of age or older, a non profit organization, or need to establish an estate account for someone, you would qualify for this special checking account.

No minimum balance requirement
No monthly service fee
A one time set up fee of $5.00 for estate accounts
Unlimited check writing so you can write as many checks as you want
No check processing fees
Check safekeeping or have your check images included in your statement for a small monthly fee of just $5.00. The choice is yours!

NOW Checking
A checking account that pays interest! Earn interest on all your money every day! Our interest rate is usually one of the highest in the county! Monthly service fee is waived if you maintain a minimum daily balance of just $500. This is one of the lowest balance requirements in this area! Low monthly service fee of $9.00 if your balance falls below $500 30 checks processed free each month. That is plenty for the average individual. Low check processing fee of just $.20 for each additional check over 30 Check safekeeping or have your check images included in your statement for a small monthly fee of just $5.00. The choice is yours!

NOW Checking

A checking account that pays interest!

Earn interest on all your money every day! Our interest rate is usually one of the highest in the county!
Monthly service fee is waived if you maintain a minimum daily balance of just $500. This is one of the lowest balance requirements in this area!
Low monthly service fee of $9.00 if your balance falls below $500
30 checks processed free each month. That is plenty for the average individual. Low check processing fee of just $.20 for each additional check over 30
Check safekeeping or have your check images included in your statement for a small monthly fee of just $5.00. The choice is yours!

Classic 55 Checking
A special collection of money saving bonuses especially for those 55 or older who maintain $500 in checking and $5000 in certificates of deposit or IRAs. Bonuses include: A checking account that earns interest and has no monthly service charge If your balance falls below the requirements stated above, your monthly service fee is just $9.00 Free personalized club checks Free travelers checks, cashiers checks and money orders Free stop payment request Free photo copies VISA or MasterCard with no annual fee (upon request and subject to credit approval) 25% discount on safe deposit box rental Unlimited check writing Check safekeeping or have your check images included in your statement for a small monthly fee of just $5.00. The choice is yours! First chance to sign up for bank trips!

Classic 55 Checking

A special collection of money saving bonuses especially for those 55 or older who maintain $500 in checking and $5000 in certificates of deposit or IRAs. Bonuses include:

A checking account that earns interest and has no monthly service charge
If your balance falls below the requirements stated above, your monthly service fee is just $9.00
Free personalized club checks
Free travelers checks, cashiers checks and money orders
Free stop payment request
Free photo copies
VISA or MasterCard with no annual fee (upon request and subject to credit approval)
25% discount on safe deposit box rental
Unlimited check writing
Check safekeeping or have your check images included in your statement for a small monthly fee of just $5.00. The choice is yours!
First chance to sign up for bank trips!

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 for 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 and copy your driver�s license or other identifying documents.

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 for 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 and copy your driver�s license or other identifying documents.

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