Peoples Bank Coldwater Ohio

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Savings & Investments

Statement Savings
Everyone should have one. It’s a basic savings account that is very easy to use. Unlimited deposits and withdrawals ATM accessible (subject to approval) Variable interest rate that is higher than many of our competitors No monthly service fee if the account holder is under 18 years of age or if you maintain a balance of just $100!

College Savings Fund
A great way to save for college! Anyone under 18 years of age can take advantage of this unique savings option available only at The Peoples Bank Co. Affordable to everyone because you can open this account with just $10.00! High variable interest rate is tied to prime. Your rate is guaranteed to increase every time the prime rate increases! Interest rate is similar to short term CD rates Possible tax savings because the account is in the child’s name Unlimited deposits so you can save a little each week! No withdrawals until the child is 18 or entering college ensures you that the money will be there when you need it When the child becomes 18 years of age, the money is simply transferred to a statement savings account with no restrictions and no penalty if the child decides not to go to college!

College Savings Fund

A great way to save for college! Anyone under 18 years of age can take advantage of this unique savings option available only at The Peoples Bank Co.

Affordable to everyone because you can open this account with just $10.00!
High variable interest rate is tied to prime. Your rate is guaranteed to increase every time the prime rate increases!
Interest rate is similar to short term CD rates
Possible tax savings because the account is in the child’s name
Unlimited deposits so you can save a little each week!
No withdrawals until the child is 18 or entering college ensures you that the money will be there when you need it
When the child becomes 18 years of age, the money is simply transferred to a statement savings account with no restrictions and no penalty if the child decides not to go to college!

PBC Insured Money Fund
This account is accessible like a checking account but it has tiered interest rates so you can earn more money. Unlimited deposits like a checking account 6 withdrawals per month – 3 of which may be made by check! ATM accessible for 24 hour banking (subject to approval) Tiered variable interest rate so the more you save the higher interest rate you receive Interest compounded and paid monthly giving you prompt access to your additional interest money No monthly service fee if you maintain a minimum daily balance of just $2500! Visa or Master Card with no annual fee (subject to approval)

PBC Insured Money Fund

This account is accessible like a checking account but it has tiered interest rates so you can earn more money.

Unlimited deposits like a checking account
6 withdrawals per month – 3 of which may be made by check!
ATM accessible for 24 hour banking (subject to approval)
Tiered variable interest rate so the more you save the higher interest rate you receive
Interest compounded and paid monthly giving you prompt access to your additional interest money
No monthly service fee if you maintain a minimum daily balance of just $2500!
Visa or Master Card with no annual fee (subject to approval)

Investor MMDA Account
Similar to the PBC Insured Money Fund but you also receive these additional bonuses! Higher interest rate if you maintain a daily balance of just $10,000 Free Travelers Checks Free Signature Guarantees Free Wire Transfers Free Treasury Direct 50% off Safety Deposit Box Rental Low monthly fee of $5.00 is offset by the additional benefits and the higher interest rate you receive!

Certificates of Deposit
A safe and sound investment option! Low minimum deposit of $500 makes our certificates an investment option everyone can cash in on! Terms from 32 days to 5 years means you can choose the term that best suits your savings plan. Penalty for early withdrawal. Higher interest rates mean you make more money! Rate surveys done weekly to make sure our CD rates are always competitive.

Individual Retirement Accounts (IRAs)
You deserve a tax break! Open an IRA today. Complete line of IRA options including ROTH and Coverdell (education) IRAs and SEPs. IRA contributions may be tax deductible depending upon your income Tax-deferred or tax-free interest makes your money grow much faster! Flexible deposit options allow you to decide if you want to deposit a little each week, each month, etc. Flexible investment options make it easy for you to achieve your retirement goals.

Individual Retirement Accounts (IRAs)

You deserve a tax break! Open an IRA today.

Complete line of IRA options including ROTH and Coverdell (education) IRAs and SEPs.
IRA contributions may be tax deductible depending upon your income
Tax-deferred or tax-free interest makes your money grow much faster!
Flexible deposit options allow you to decide if you want to deposit a little each week, each month, etc.
Flexible investment options make it easy for you to achieve your retirement goals.

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 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 your driver’s license or other identifying documents.

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