Checking Accounts

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Our goal is to give you access to the accounts that align with you lifestyle, financial needs, and future goals. Decide what is important to you and pick the account that delivers best.

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COMPARE	Kasasa Cash	Kasasa Play	Kasasa Cash Back	Value Checking	Best of Times	Peoples Premium	Student Checking
Minimum Opening Balance	$50	$50	$50	$50	$50	$10,000	$50
Best For	High Earnings	Streaming Refunds	Cash Back	Basic Checking	Perks	High Balances	Students
What You Get	Earn 2.02% APY on balances up to $10,000 Earn 2.02% to 0.27% APY on balances over $10,000 depending on balance in account Earn 0.01% APY if qualifications aren't met Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)	Earn up to $10 every month in refunds for music, video, audio, gaming, and other digital streaming services. Receive up to $20 bonus in credits when you open your account for streaming services. Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)	3.00% cash back on debit card purchases Cash back earned on up to $200 in purchases monthly Earn up to $72 cash back per year, $6 per month Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)	The perfect blend of digital access and traditional banking	Credit File Monitoring Entertainment Savers Guide Cash Back Member Rewards $10,000 Accidental Death & Dismemberment Insurance coverage that divides equally on joint accounts and reduces 50% at age 70 $150,000 Common Carrier Coverage	Earn a Competitive Interest Rate	Banking for the next generation
Minimum Balance to Avoid Service Charge	N/A	N/A	N/A	$2,500	N/A	$5,000	N/A
Monthly Service Charge	N/A	N/A	N/A	$3	$8	$15	N/A*
Interest Bearing	Yes	No	No	No	Yes	Yes	No
Unlimited Check Writing							N/A
Visa Debit Card
Overdraft Services Available						N/A	N/A
e-Statements
Bill Pay
Free Online Banking & Mobile Banking
Telephone Banking
Statement Option	e-Statement	e-Statement	e-Statement	Paper or e-Statement	Paper or e-Statement	Paper or e-Statement	e-Statement
	learn more	learn more	learn more	learn more	learn more	learn more	learn more

Peoples Exchange Bank has checking accounts specifically for individuals seeking a fresh start with banking. StartFresh® Basic and StartFresh® Checking® accounts provide a second chance at first-class banking.

At our discretion, we may pay and permit transactions for items, including checks, pre-authorized automatic debits, telephone-initiated transfers or other electronic transfers, when there are not sufficient available funds. We reserve the right not to pay. A NSF Paid Item(s) Charge or NSF Returned Items(s) Charge of $32.00 will be assessed for each item that is paid or returned. An Automatic Transfer Fee of $5.00 will apply for any pre-authorized automatic transfer between accounts to cover an overdraft. Any overdraft must be repaid as soon as possible, but no later than 30 days after the account balance was first negative.

We cannot authorize or pay overdrafts for ATM or point-of-sale debit card transactions unless the account holder authorizes us to do so. If the account holder does not authorize us to pay an overdraft on ATM and everyday debit card transactions, the transaction will be declined.

Kasasa Cash
APY = Annual Percentage Yield. APYs accurate as of 9/14/2022. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.

Contact one of our bank service representatives or click here for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.

Kasasa Cash Back

Contact one of our bank service representatives or click here for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.

Kasasa Play
Visit https://www.kasasa.com/play-partners for a complete listing of qualifying music, audio, video, and gaming streaming services.

Contact one of our bank service representatives or click here for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. Kasasa and Kasasa Play are trademarks of Kasasa, Ltd., registered in the U.S.A

Best of Times

Please note that insurance products are not insured by the FDIC or any Federal Government Agency; a deposit in, obligation of, guaranteed or underwritten by Peoples Exchange Bank; and is not a condition of any bank service.

Student Checking

Student must be 14 – 21 years of age at account opening. There must also be one person on the account aged 18 or above if Student is under the age of 18. Enrollment in online banking and e-Statements are required. Overdraft is not available. There is no Monthly Service Fee* associated with this account while the student is under the age of 21. *When this account transfers to Value Checking Account all fees shall apply. This account will automatically transfer to a Value Checking Account when the Student reaches 21 years of age.

Statement Drop	Statement Start	Statement End	Qualification Start	Qualification End
1/08/19	12/12/18	1/08/19	12/11/18	1/07/19
2/12/19	1/09/19	2/12/19	1/08/19	2/11/19
3/12/19	2/13/19	3/12/19	2/12/19	3/11/19
4/09/19	3/13/19	4/09/19	3/12/19	4/08/19
5/14/19	4/10/19	5/14/19	4/09/19	5/13/19
6/11/19	5/15/19	6/11/19	5/14/19	6/10/19
7/09/19	6/12/19	7/09/19	6/11/19	7/08/19
8/13/19	7/10/19	8/19/19	7/09/19	8/12/19
9/10/19	8/14/19	9/10/19	8/13/19	9/09/19
10/08/19	9/11/19	10/08/119	9/10/19	10/07/19
11/12/19	10/09/19	11/12/19	10/08/19	11/11/19
12/10/19	11/13/19	12/10/19	11/12/19	12/09/19

Statement Drop	Statement Start	Statement End	Qualification Start	Qualification End
1/08/19	12/12/18	1/08/19	12/11/18	1/07/19
2/12/19	1/09/19	2/12/19	1/08/19	2/11/19
3/12/19	2/13/19	3/12/19	2/12/19	3/11/19
4/09/19	3/13/19	4/09/19	3/12/19	4/08/19
5/14/19	4/10/19	5/14/19	4/09/19	5/13/19
6/11/19	5/15/19	6/11/19	5/14/19	6/10/19
7/09/19	6/10/19	7/09/19	6/11/19	7/08/19
8/13/19	7/14/19	8/13/19	7/09/19	8/12/19
9/10/19	8/14/19	9/10/19	8/13/19	9/09/19
10/08/19	9/11/19	10/08/19	9/10/19	10/07/19
11/12/19	10/09/19	11/12/19	10/08/19	11/11/19
12/10/19	11/13/19	12/10/19	11/12/19	12/09/19

Statement Drop	Statement Start	Statement End	Qualification Start	Qualification End
1/08/19	12/12/19	1/08/19	12/11/18	1/07/19
2/12/19	1/09/19	2/12/19	1/08/19	2/11/19
3/12/19	2/13/19	3/12/19	2/12/19	3/11/19
4/09/19	3/12/19	4/09/19	3/12/19	4/08/19
5/14/19	4/10/19	5/14/19	4/09/19	5/13/19
6/11/19	5/15/19	6/11/19	5/14/19	6/10/19
7/09/19	6/12/19	7/09/19	6/11/19	7/08/19
8/13/19	7/10/19	8/13/19	7/09/19	8/12/19
9/10/19	8/14/19	9/10/19	8/13/19	9/09/19
10/08/19	9/11/19	10/08/19	9/10/19	10/07/19
11/12/19	10/09/19	11/12/19	10/08/19	11/11/19
12/10/19	11/13/19	12/10/19	11/12/19	12/09/19

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