Business Checking

Payne County Bank has a variety of business checking options to suit all your commercial banking needs.


Commercial Checking Commercial NOW Interest Checking
Earns Interest No Yes, paid monthly*
Current Rates
Monthly Service Charge

First 25 transactions free; $5 for transactions 26-99; $10 for 100+ transactions

$5 for less than 100 transactions per month; $10 for 100+ transactions per month
Minimum Opening Deposit $100 $750
Minimum Balance None $750
Minimum Balance Fee None $10 if daily balance falls under $750
Check Writing Unlimited Unlimited
Activity Limits None None
Account Statements Monthly Monthly
Basic Checks 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
9 PCB ATM locations
No charge at any of the 9
PCB ATM locations
Online Banking Yes Yes
Online Check Images & Statements Yes Yes
Online Bill Pay Yes Yes
Direct Deposit Yes Yes
FDIC Insured Yes Yes
Dormant Account Maintenance
(inactive for 2 yrs)
$5.00 per month if balance is less than $200 $5.00 per month if balance is less than $200
Additional Features/Limitations Additional cash management features via online banking, including ACH item origination for automation of your billing and payroll (additional fees may apply) Only available to sole proprietors and non-profits. Due to Federal regulations, it is not available to incorporated businesses.

* Rates are subject to change. Other Services and Fees may apply.

How To Open a New Checking 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.

Initial Minimum Deposit Required: $100.00 minimum

Required Forms of ID:

  • a government issued photo ID
  • one additional form of ID, preferably your Social Security card
  • IRS correspondence showing your TIN and your organizing or corporate documents

We look forward to meeting you!