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Peoples Trust & Savings Bank’s business checking accounts have options to serve small to large businesses alike. Our added features save you time and money.

Our dedicated Business Bankers can help you determine the business checking option that best suits your needs.

Click here to view our accounts.

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Account Peoples Basic Business Checking Peoples Business Plus+ Peoples Analysis Checking Ag Rewards Checking Peoples Business Money Market
“My Business is...” A business with low transaction activity and balances. A business with moderate transaction activity and balances. A business with high account transaction volumes, large quantities of coin or currency deposits and/or management needs. Ag related and I have ag loan products to be eligible for this account. Interested in moving extra funds to a money market to earn interest.
Benefits
  • 50 items FREE
  • No minimum balance
    requirements
  • e-Biz available
  • 150 items FREE
  • No minimum balance fee if meet minimum requirements
  • e-Biz available
  • Earnings credit to offset fees
  • e-Biz available
  • No annual fee Peoples Rewards Credit Card (subject to credit approval)
  • Photo debit card (subject to credit approval)
  • Daily market texts to your cell phone*
  • e-Biz available
  • Cashier’s checks and money orders
  • Notary service
  • Earns interest; rate based on term
  • e-Biz available
Minimum to Open $100 $100 $100 $100 $1,500
Bill Pay
  • $4.95 per month
  • Includes 20 payments per month. Each additional bill pay is $0.50.
  • $4.95 per month
  • Includes 20 payments per month. Each additional bill pay is $0.50.
  • $4.95 per month
  • Includes 20 payments per month. Each additional bill pay is $0.50.
  • $4.95 per month
  • Includes 20 payments per month. Each additional bill pay is $0.50.
Available – see transaction limits below
Statements
  • E-Statements
  • Paper Statements
  • Check image fee – $3.00 per statement
  • Combined Statements
  • E-Statements
  • Paper statements with check images
  • Combined Statements
  • E-Statements
  • Paper Statements
  • Check image fee – $3.00 per statement
  • Combined Statements
  • E-Statements
  • Paper statements with check images
  • Combined Statements
  • E-Statements
  • Paper statements with check images
  • Combined Statements
Activity Fees
  • First 50 items FREE
  • After 50, the following charges apply: 
  • $0.50 activity fee per debit item
  • $0.50 activity fee per transit deposit item
  • First 150 items FREE
  • After 150 items, these charges apply:
    • $0.50 activity fee per debit item
    • $0.50 activity fee per transit deposit item
  • $0.20 activity fee per debit item
  • $0.10 activity fee per credit item
  • ACH credit items are always free!
  • Earnings credit of $0.08 per $100 average collected balance each monthly cycle. This credit will apply toward account-related fees.
None
  • $10 activity fee per withdrawal over limit of six per month.
Service Charge Fees
  • No monthly service charge
  • Avoid a $5.00 monthly minimum balance fee with average daily balance of at least $2,500 or minimum daily balance of $500.
  • Not applicable for non-profits
  • $10 service charge per statement cycle
  • The credit listed above could reduce or eliminate this charge.
  • Avoid a $5.00 monthly minimum balance fee with an average daily balance of at least $500.
  • Avoid a $15 monthly minimum balance fee with average daily balance of at least $1,500.

* Text messaging regular rates charged by your carrier will be your responsibility.

† Checks written and transit items only. On us checks deposited always free.

Fees specific for each deposit account are detailed in a Specific Account Details disclosure that is available at any PTSB branch. Fees may apply to account-related services and are available in the account fee schedule that is available at any PTSB branch.

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