Personal Checking

Making it convenient every day — every way!

Personal Checking Services
Payne-FREE CheckingNOW Interest Checking
Earns Interest NoYes, paid monthly*
Current Rates
Minimum Opening Deposit $100$750
Minimum Balance None $750
Monthly Service Charge None $10 for balance of less than $750
Check Writing UnlimitedUnlimited
Activity Limits NoneNone
Account Statements MonthlyMonthly
Basic Checks
(FREE for Seniors 55+)
24 Hr. Bank by Phone YesYes
ATM or Debit Card
Learn more about
Booster Bucks Debit Cards
ATM Transaction Fees No charge at any of the 9 PCB ATM locations
($1.00 fee transaction at non-PCB ATMs)
Online Banking YesYes
Online Check Images & Statements YesYes
Online Bill Pay YesYes
Mobile Banking Yes Yes
Direct Deposit YesYes
Dormant Account Maintenance
(inactive for 2 yrs)
$5.00 per month
(on balances less than $200)
$5.00 per month
(on balances less than $200)
FDIC Insured YesYes

* Rates are subject to change. New rate sheet published every Thursday. Other Services and Fees may apply.

Learn more about how using the Payne County Bank Booster Debit Card can earn money for you local schools&8230; Free Online Banking & Bill Pay… Order or re-order Main Street checks online… Other Services & Fee…


How To Open a New Checking Account

If you are interested in opening a new account with us please stop by and see any of our friendly customer service representatives at the Main Bank location, 202 S. Main, Perkins.

Initial Minimum Deposit Required: $100.00 minimum

Required Forms of ID:

  • a government issued photo ID
  • one additional form of ID, preferably your Social Security card

We look forward to meeting you!