Whether you are a student or senior, prefer traditional banking or opt for online, Peoples Bank has a checking account to suit your needs. Learn more about each of our checking account options below, then apply online or stop by a branch today.
Check and Debit Card Buyback Program
Peoples Bank will buyback your unused checks and debit cards from other financial institutions. Personal checking accounts are eligible for up to $10 for checks and debit cards from another financial institution given at the time the checks and/or debit cards are presented.
Free Anytime, Anywhere Banking with Every Account
FREE Digital Banking with Bill Pay
FREE Mobile App with Mobile Deposit
FREE Mobile Wallet with Apple Pay®, Google PayTM and Samsung Pay®
FREE Debit Card with Card Controls
FREE Access to +35,000 surcharge-free MoneyPass® ATMs
FREE E-Statement
FREE Gift at Account Opening
NEW Courtesy Pay Overdraft Protection
View Personal Checking Brochure
HYPE Checking
An account for those interested in premium interest who make frequent purchases with their debit card and have direct deposit or automatic payments!
- Premium interest rate of 4.00% APY* on balances up to $25,000 when both of the following are met:
- 15 or more debit card purchases* each statement cycle
- One direct deposit or automatic payment each statement cycle
- Avoid a low $6 service charge by either maintaining an average daily balance of $2,000 or greater, OR make 15 or more debit card purchases* each statement cycle.
New! Add our BaZing Rewards package to your personal checking account for only $4.95/month. Learn more here.
Open Account
Truly Free Checking
A FREE account for anyone!
- No minimum balance
- No service charge
New! Add our BaZing Rewards package to your personal checking account for only $4.95/month. Learn more here.
Open Account
Student Spending Account**
NEW! A student account that keeps it simple!
- No overdraft or NSF fees are charged on this account
- No paper checks with this account (but you've got P2P, Bill Pay, and more!)
- Automatically converts to Truly Free Checking when you turn 25
- No minimum balance
- No monthly service charge
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50+ Interest Checking
A perfect account for customers 50 and better!
- FREE Peoples Bank logo checks
- Competitive interest
- No minimum balance
- No service charge
New! Add our BaZing Rewards package to your personal checking account for only $4.95/month. Learn more here.
Open Account
Legal Information and Disclosures
Other fees such as non-sufficient funds, overdraft, etc. may apply. See fee schedule for details. Minimum opening deposit is only $50. Ask us for details. Bank rules and regulations apply. Transaction items include all debits and credits. Free gift may be reported on a 1099-INT or 1099-MISC. Free gift provided at the time of account opening. We reserve the right to substitute a gift of similar value.
*When either 15 or more qualifying debit card purchases (excluding ATM withdrawals) per statement cycle are not made, and a qualifying direct deposit or automatic payment is not posted per statement cycle, all balances earn 0.00% APY. If qualifications are met, balances up to $25,000 will earn an interest rate of 3.9253% resulting in a 4.00% APY of the portion of the balance, $25,000.01 or more will earn an interest rate of 0.00%, resulting in 4.00%- 0.00% APY. Annual Percentage Yields (APYs) accurate as of 4/23/2025. Rates may change after account is opened. Transactions may take one or more banking days from the date the transaction was made to post and settle. See a bank employee for more details.
**The Student Spending Account requires a minimum opening deposit of $50. There is no minimum balance requirement and no monthly service charge. This account does not permit check writing privileges. Paper checks and check orders are not available. Transactions may be conducted using a debit card, electronic transfers, online bill payment, or other approved electronic methods. Transactions will be authorized or declined based on the available balance in the account at the time the transaction is presented. Transactions may take one or more business days from the date initiated to post and settle to the account. The Bank does not assess paid item overdraft fees or returned item non-sufficient funds (NSF) fees for transactions declined or returned due to insufficient funds. This account is available to individuals ages 10 through 24. When the primary account holder reaches age 25, the account will automatically convert to a Truly Free Checking account and will be subject to the terms, conditions, fees, and features applicable to that account at that time. A $10 buyback credit is available for debit cards and unused checks for another financial institution given at the time the checks or debit cards are presented.