Business Checking
Payne County Bank has a variety of business checking options to suit all your commercial banking needs.
| Commercial Checking | Commercial NOW Interest Checking | |
|---|---|---|
| Earns Interest | No | Yes, paid monthly* Current Rates |
| Monthly Service Charge | First 25 transactions free; $5 for transactions 26-99; $10 for 100+ transactions |
$5 for less than 100 transactions per month; $10 for 100+ transactions per month |
| Minimum Opening Deposit | $100 | $750 |
| Minimum Balance | None | $750 |
| Minimum Balance Fee | None | $10 if daily balance falls under $750 |
| Check Writing | Unlimited | Unlimited |
| Activity Limits | None | None |
| Account Statements | Monthly | Monthly |
| Basic Checks | Purchase | Purchase |
| 24 Hr. Bank by Phone | Yes | Yes |
| ATM or Debit card Learn more about Booster Bucks Debit Cards |
Yes | Yes |
| ATM Transaction Fees | No charge at any of the PCB ATM locations ($1.00 fee transaction at non-PCB ATMs) |
No charge at any of the PCB ATM locations ($1.00 fee transaction at non-PCB ATMs) |
| Online Banking | Yes | Yes |
| Online Check Images & Statements | Yes | Yes |
| Online Bill Pay | Yes | Yes |
| Direct Deposit | Yes | Yes |
| FDIC Insured | Yes | Yes |
| Dormant Account Maintenance (inactive for 1 yrs) |
$5.00 per month if balance is less than $200 | $5.00 per month if balance is less than $200 |
| Additional Features/Limitations | Additional cash management features via online banking, including ACH item origination for automation of your billing and payroll (additional fees may apply) | Only available to sole proprietors and non-profits. Due to Federal regulations, it is not available to incorporated businesses. |
* Rates are subject to change. Other Services and Fees may apply.
How To Open a New 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 or the Chandler Branch location at 111 N Sandy Ln, Suite G, Chandler.
Required Forms of ID:
- a government issued photo ID
- one additional form of ID, preferably your Social Security card
- IRS correspondence showing your TIN and your organizing or corporate documents
We look forward to meeting you!
