Personal Banking
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Peoples Bank of the South Values Your Privacy and Security.

Peoples Bank of the South will never ask for you to send personal or financial information by, in response to, or via a link in an email, about our security policies.


Personal Banking

   

Accounts
Basic
Checking
Regular
Personal Checking
NOW
Personal Account
MMDA Personal MMDA Plus Checking Student
Checking
***
Peoples Choice Club
Features
Online Banking Yes Yes Yes Yes Yes Yes Yes
Bill Pay Yes Yes Yes No No Yes Yes
Minimum daily balance to avoid fee or earn interest $500 with e-statement $1000 with e-statement $2000 $2500 $5000 No minimum balance; avoid $2 fee with e-statement No minimum to avoid fee
Minimum Deposit $50 $50 $2000 $2500 $5000 $50 $50
Check Imaging No Yes Yes Yes Yes Yes Yes
Debit Card Offered Visa Debit Visa Debit Visa Debit No No Visa Debit Visa Debit
Earn Interest? No No Yes Yes Yes No Yes; if over $1000
Transaction
Limits
No No No Yes Yes No No
Direct Deposit
Available
Yes Yes Yes Yes Yes Yes Yes
Electronic Statement Yes Yes Yes Yes Yes Yes Yes
Monthly Fee If $500 daily balance is not maintained;
$8.00 paper statement; $6.00 with e-statement. If the daily balance is $500 or more, a paper statement costs $2.00 per month. No paper statement fee for accounts with a daily balance of $10,000 or greater.
If $1,000 daily balance is not maintained; $10.00 paper statement; $8.00 with e-statement.
If the daily balance is $1,000 or more, a paper statement costs $2.00 per month. No paper statement fee for accounts with a daily balance of $10,000 or greater.
No No No $2 if paper statement $5


**** A student is defined as a person enrolled as a full time student in grades K-12; taking 12 hours or more as an undergraduate; or 9 hours or more as a graduate student. This program is available for qualified students until their 23rd birthday.

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Savings Regular Personal

  • Initial deposit of $50.00.
  • Please call one of our four locations for the current interest rate.

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Savings Golden Personal

  • Initial deposit of $50.00.
  • Please call one of our four locations for the current interest rate.

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Christmas Club

Don't let Christmas expenses sneak up on you. Open a Christmas Club account at any amount and still earn interest. You get the check by the 1st of November.

  • Any amount can open a Christmas Club.
  • Last time a deposit is credited for the year is the second week of October.
  • Check is mailed the last week of October.
  • Interest rate is the same as the regular savings rate.

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MMDA Personal

  • Initial deposit of $2,500.
  • You must maintain a balance of $2,500 or more to obtain the disclosed annual percentage yield.
  • The interest rate currently in effect may be obtained by asking for the current deposit rate disclosure.
  • The interest rate and annual percentage yield on your account may change. We may change the interest rate on your account at our discretion.
  • Up to 6 checks per month and will be charged for check orders according to type of check.

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MMDA Plus Checking

  • Initial deposit of $5,000.
  • You must maintain a balance of $5,000 or more to obtain the disclosed annual percentage yield.
  • The interest rate currently in effect may be obtained by asking for the current deposit rate disclosure.
  • The interest rate and annual percentage yield on your account may change. We may change the interest rate on your account at our discretion.
  • You will be allowed to use up to 3 checks per month and will be charged for check orders on this account according to the type of checks ordered.

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