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P E R S O N A L   C H E C K I N G   A C C O U N T S

Peoples Independent Bank provides a variety of checking accounts to match your financial needs and lifestyle.  These accounts provide you with detailed records and monthly image statements to help you keep up with expenses and income.  Checks give you the convenience of paying by mail rather than in person and your canceled checks are legal proof of payment.

Our goal is to make banking enjoyable and as easy as possible for you.  We hope you'll agree, "you'll like banking with us!"

Regular  Checking  Account

     No monthly service charge  
     No minimum balance
     Unlimited check writing
     Free ATM / Debit card
     Free e-statement or image statement
     Free online banking with free Billpay

     Free direct deposit  

     Minimum opening deposit of $100

Keenager  Checking  Account

     A special package of benefits for customers over age 55                                                                           Free personalized checks                                                                                                                                No monthly service charge                                                                                                                                No minimum balance
     Unlimited check writing
     Free ATM / Debit card
     Free e-statement or image statement
     Free online banking with free bill pay                                                                                                              Free telephone banking                                                                                                                                       Free direct deposit                                                                                                                                              Minimum opening deposit of $100

NOW  Checking  Account

     Daily accrual of interest, paid monthly
     No monthly fee for daily balances greater than $800
     $5 monthly fee for daily balances less than $800
     Please contact bank for current NOW account interest rates                                                                       Unlimited check writing
     Free ATM / Debit card
     Free e-statement or image statement
     Free online banking with free bill pay                                                                                                              Free telephone banking                                                                                                                                       Free direct deposit                                                                                                                                              Minimum opening deposit of $800

Personal  NOW  Checking  Account

     Earns interest at the prevailing rate adjusted on a monthly basis
     Interest compounded monthly and credit at statement cycle
     No service fee for daily balances greater than $2,500
     $7 service fee for daily balances less than $2,500
     Minimum opening deposit of $2,500
     Please contact bank for current interest rate                                                                                                  Unlimited check writing
     Free ATM / Debit card
     Free e-statement or image statement
     Free online banking with free bill pay                                                                                                              Free telephone banking                                                                                                                                       Free direct deposit                                                                                                                                              Minimum opening deposit of $2,500

Elite  NOW  Checking  Account

     No service fee for daily balances greater than $10,000
     Earn 20% of the Wall Street Journal prime lending rate on balances of $10,000 or greater
     $10 service charge for daily balances less than $10,000                                                                             Earn 10% of the Wall Street Journal prime lending rate on balances less than $10,000                          Minimum opening deposit of $10,000
     Interest rates are adjusted monthly
     Please contact bank for current interest rate                                                                                                  Unlimited check writing
     Free ATM / Debit card
     Free e-statement or image statement
     Free online banking with free bill pay                                                                                                              Free telephone banking                                                                                                                                       Free direct deposit

We hope you'll agree, "You'll like banking with us!"         Boaz . Scottsboro . Hokes Bluff . Douglas . Steele . Alabama

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