Personal Checking Accounts
Making it convenient every day — every way!
| Payne-FREE Checking | NOW Interest Checking | |
|---|---|---|
| Earns Interest | No | Yes, 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 | Unlimited | Unlimited |
| Activity Limits | None | None |
| Account Statements | Monthly | Monthly |
| Basic Checks (FREE for Seniors 55+) |
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 |
| Mobile Banking | Yes | Yes |
| Direct Deposit | Yes | Yes |
| Dormant Account Maintenance (inactive for 1 yr) |
$5.00 per month (on balances less than $200) |
$5.00 per month (on balances less than $200) |
| FDIC Insured | Yes | Yes |
* 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; the Chandler Branch location at 111 N Sandy Ln, Suite G, Chandler; or the Cushing Branch location at 1002 E Main St, Cushing.
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!
