Personal Checking Accounts

Making it convenient every day — every way!


Payne-FREE Checking NOW Interest Checking
Earns Interest No Yes, paid monthly*
Current Rates
Minimum Opening Deposit $100 $750
Minimum Balance None $750
Monthly Service Charge None $10 for balance of less than $750
Check Writing Unlimited Unlimited
Activity Limits None None
Account Statements Monthly Monthly
Basic Checks
(FREE for Seniors 55+)
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
($1.00 fee transaction at non-PCB ATMs)
Online Banking Yes Yes
Online Check Images & Statements Yes Yes
Online Bill Pay Yes Yes
Mobile Banking Yes Yes
Direct Deposit Yes Yes
Dormant Account Maintenance
(inactive for 1 yrs)
$5.00 per month
(on balances less than $200)
$5.00 per month
(on balances less than $200)
FDIC Insured Yes Yes

* 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

We look forward to meeting you!