Payne County Bank Advantage Program

Take advantage of identity theft protection and much more for only $2.00* per week!


No Minimum Balance Required

LifeLock® Helps You Protect Your Personal From Identity Theives

Interest (NOW Account)

Your PCB Advantage Program will automatically earn interest each month that you maintain a positive balance in your account. Ask for details.

Advantage Program "55"

If you are 55 or better, you may receive all of the PCB Advantage Program package benefits for a reduced monthly fee of only $4.00.

Balance Bonus Feature

You will receive all of the benefits available in the PCB Advantage Program or Advantage Program "55" at no charge with a $5,000 average daily collected balance. Ask for details.

Regardless of your balance, your PCB Advantage Program will not receive any additional monthly service charge. You pay the same amount each month - $8.00 for those under age 55 or just $4.00 per month for our accountholders age 55 or better!

Custom Debit Card

As a member of the PCB Advantage Program, you will receive your initial issue of any of our custom design debit cards at no charge. The normal fee for a new card is up to $10 each. Some restrictions may apply.

Discount on Personalized Checks

As a PCB Advantage Program member, you may select your personalized account checks from our catalog at a 50% discount. Some restrictions may apply.

Money Orders and Cashier's Checks

When you need a money order or a cashier's check, just ask us. We'll issue up to 5 per month at no charge if you're a member of the PCB Advantage Program. Some restrictions may apply.

Photocopy and Fax Service

As a PCB Advantage Program member, you are entitled to basic photocopies and incoming and local outgoing fax services at no additional charge. Some restrictions may apply.


$20,000 Accidental Death & Dismemberment Insurance and $100,000 Common Carrier Coverage plus $1,500 AD&D Dependent Children Coverage

Coverage is provided immediately at no additional charge. If joint account, total coverage splits evenly among all authorized signers as indicated on the account opening signature card. See certificate for further details.

Additional Benefits:

  • Coma Benefit
  • Bereavement and Trauma Counseling Benefit
  • Emergency Medical Expense Guarantee Benefit
  • Emergency Medical Evacuation
  • Rehabilitation Benefit
  • Repatriation of Remains Benefit
  • Seatbelt and Airbag Benefit
  • Travel Assistance Services


Help safeguard your identity. As a member of the package, enrolling in LifeLock helps you protect your personal information from identity thieves. LifeLock® service helps protect you by sending an alert when your information is being sold or traded in illegal online identity marketplaces, and alerting you if someone files a change of address in your name. LifeLock® also includes an additional service called WalletLock™. It works to help cancel and replace all documents and personal identifying information inside a wallet if it is lost or stolen. Pictures, cash and other monies are excluded. Member is responsible for all applicable fees charged by document issuing companies to replace lost or stolen documents.

Identity Theft 911™

If you become a victim of identity theft, call the toll free number, and you will be assigned to a highly qualified fraud specialist who is your single source to help you resolve your problem from start to finish. You save time, avoid frustration and get your problem corrected with the unlimited, one-on-one help of an expert. Call the toll free number and provide the member ID#. Don't wait, call us for advice before you become a victim. Go to for valuable news and resources, helping you learn how to stand up against identity theft.

Living Family Journal

Create peace of mind from the convenience of your personal computer. Organize, record, and document personal, medical and financial information with your Living Family Journal. Ask for details.


Up to 50% savings on brand name products by phone or online As an EasySaver customer, save on brand name products for your home and lifestyle needs, including Black & Decker®, IBM®, KitchenAid®, Sony® Digital Cameras, Fisher-Price Toys® and much more!

Prepaid Shopping and Dining

Purchase prepaid shopping and dining gift cards from leading brands including Home Depot, Bed Bath & Beyond, Red Lobster, Olive Garden, Kmart and earn 20% cash back.

Save - Save - Save

Save up to $1,000 on groceries, home and health-care products, pet products and supplies and more from trusted brands at top stores. Plus, save on car maintenance at participating Sears Car Centers.

Big Savings on Entertainment

Up to 75% savings on major magazines like Reader's Digest and Newsweek. Plus, up to 40% savings on movie tickets at national chains like AMC and United Artist theatres.

Other Travel Savings

You can save up to 25% on rental cars and even more on cruises and vacation packages, simply by calling the toll-free numbers.


Prescription Drug Discounts

Available through the Prescription Drug Program. You and your family will receive discounts on many of your prescriptions through local participating pharmacies and major chains.


$20,000 of Accidental Death & Dismemberment Insurance and $100,000 Common Carrier Insurance plus $1,500 Accidental Death & Dismemberment Dependent Children* Coverage is included in your Advantage Program.

*Age birth to 25th birthday, unmarried and dependent on member for support. Includes step-child and foster child. Children's coverage is also available to unmarried, divorced or widowed member. See certificate for further information.

This insurance benefit is provided through the Sisk Association of which your bank is a sponsor. Premiums are paid from the general revenue received from this program. You are enrolled as a member of the Sisk Association when this signed agreement is received at your bank. Your membership will remain in effect until either party terminates membership. Insurance coverage terminates on the earlier occurrence of the date of policy termination or the date of membership termination. Membership termination is effective the first day of the month following termination.

Member Agreement

Upon approval by Payne County Bank (the "bank") of your application, you shall be entitled to the services of the account. Upon signing the application for membership in the account, you do hereby agree to accept the following terms and conditions. 1. You shall maintain a personal (not business) checking account with the bank until such time as this agreement is terminated as herein provided. 2. You will pay and do hereby authorize bank to deduct from your personal checking account the monthly stated service fee. 3. You may cancel this agreement at any time upon seven days written notice to bank and payment of all obligations hereunder to bank. The bank may cancel this agreement at any time, without notice, if you fail to abide by the provisions and terms herein set forth, or if your personal checking account is garnished by legal process. 4. This agreement shall be subject to all applicable federal and state laws and regulations, the by-laws of the bank, to all present and future amendments thereto, and all regulations, rules and practices theretofore or hereafter adopted by the bank. This agreement may be amended from time to time by the bank, but no such amendment shall be effective until 30 days after written notice to you. All notices, statements of account, demands and other communications by the bank shall be mailed to you at your address set forth in your application, or such address as you may have notified the bank in writing hereafter. If the application is signed by one or more persons who have a joint personal checking account, each shall be jointly and severally liable for all sums payable hereunder.


(ie. 405-547-2436)

(ie. 405-547-2436)

PCB Advantage Program
Advantage Program "55"

Individual Account
Joint Account

Newspaper Ad
Word of mouth
Lobby Monitor
On-hold Phone Announcement


By submitting this form, I/We hereby agree to maintain a personal checking account with the bank and authorize the bank to deduct appropriate monthly fee as indicated.