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Essential Checking  Open Now

A convenient and economical account that keeps your banking as it should be: simple.

Essential Checking is an economical account that comes with no monthly fee when you’re enrolled in eStatements. It’s a great choice if you want convenient access to your money, need a debit card to make purchases or withdrawals, and use electronic banking services like direct deposit, Mobile Cash and People Pay.

 
Essential Checking
Open Now
Debit Card Included
Earns Interest No
Online Banking, Mobile Banking and Bill Pay1 Included
Checks Standard Rate Applies
Peoples Perks Not Included
Monthly Fee $2 Fee (waived with enrollment in eStatements)
Combined Statements Included
Online Transfers Included
Initial deposit required to open the account $100
My Business Checking Account Add-On NA
 
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Benefits and Features:

  • No monthly service charge when you’re enrolled in eStatements (otherwise, $2 monthly service charge applies)
  • Unlimited check writing
  • Online Banking and Bill Pay
  • Peoples Bank debit card
 

Peoples Bank Debit Card

The Peoples Bank debit card provides you with unlimited ATM access at more than 24,000 MoneyPass® ATMs nationwide as well as enabling purchases anywhere that accepts Visa debit cards.
 

Online and Mobile Banking, Plus Bill Pay – Included

  • Keep track of your balances
  • Transfer funds between accounts quickly and easily
  • Pay bills in minutes, even on your smartphone
 
1Online Bill Pay service is included when you complete one or more online bill pay transactions each month. $2.50 Inactivity Fee applies during any month where no bill pay transactions are made. During the initial three months of service, Inactivity Fee is waived.

Bank on the Go

Save time and money with online banking, bill pay and our mobile app.

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Contact Us

Call us at (800) 584-8859 or

Email Customer Support

This information is for your ZIP Code of 49048


Product offerings and features may differ among geographic locations. With your ZIP code, we can make sure you see accurate information. To change the location, click on the zip code above.

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Essential Checking
Personal Relationship Checking Packages
Packages automatically adjust monthly to the appropriate level.
Benefits   Gold Platinum Diamond
Peoples Perks Not included Included Included Included
Monthly Service Charge $2 Waived with eStatement enrollment $5 Waived1 Applies to all PRC accounts in package Waived1 Applies to all PRC accounts in package
Minimum Daily Balance to Avoid Service Charges n/a n/a $10,000 in combined deposit balances2 or $100,000 in consumer or mortgage loan balances3 serviced by Peoples Bank $50,000 in combined deposit balances2 or $500,000 in consumer mortgage loan balances3 serviced by Peoples Bank
Combined Balance Eligible Accounts n/a Non-Retirement and non-Health Savings Accounts held by owner and excludes Peoples Investments balances Non-Retirement and non-Health Savings Accounts held by owner and excludes Peoples Investments balances Non-Retirement and non-Health Savings Accounts held by owner and excludes Peoples Investments balances
Interest Bearing No Yes - applies to all Personal Relationship Checking accounts in the package Yes - applies to all Personal Relationship Checking accounts in the package Yes - applies to all Personal Relationship Checking accounts in the package
Non-Peoples Bank and Non-MoneyPass® ATM Fees $1.50 Peoples Bank Fee; ATM owner fee may apply All accounts in package
$1.50 Peoples Bank Fee - Same Day Refund4
ATM owner fee may apply
All accounts in package
$1.50 Peoples Bank Fee - Same Day Refund4
ATM owner fee may apply
All accounts in package
$1.50 Peoples Bank Fee - Same Day Refund4
All PRC accounts in package
ATM owner fees - Cycle Refund5 (up to $25 per statement cycle)
International transaction fee (debit card) 1% transaction fee All accounts in package - 1% transaction fee - Same Day Refund4 All accounts in package - 1% transaction fee -
Same Day Refund4
All accounts in package - 1% transaction fee - Same Day Refund4
Wires - Incoming Domestic Standard rate applies Standard rate applies Standard rate applies Unlimited Incoming Wires - Cycle Refund5 Applies to all PRC accounts in package
Wires - Outgoing Domestic Standard rate applies Standard rate applies Standard rate applies 1st wire free - Cycle Refund5 Applies to all PRC accounts in package; Standard rate thereafter
Regal Blue Checks Standard rate applies 1 box included per calendar year
Other styles available at discount
1 box included per calendar year
Other styles available at discount
1 box included per calendar year
Other styles available at discount
Cashier's Checks and Money Orders Standard rate applies Waived1 Waived1 Waived1
Home Equity Line of Credit (HELOC) Annual Fee Standard rate applies Waived1 Waived1 Waived1
Express Line of Credit Annual Fee Standard rate applies Waived1 Waived1 Waived1
Consumer Debit Card Included Included Included Included
Online, Mobile and Bill Pay6 Included Included Included Included

1Service charge will not appear on your statement.
2Calculated by adding together the average daily balance for each deposit account enrolled in the package.
3Calculated by adding together the current principle balance on the last day of the qualification cycle for each loan account enrolled in the package.
4Fee will appear on your statement and then a credit will appear the same business day as the transaction is processed.
5Fee will appear on your statement and then a credit will appear on the last day of the Statement Cycle.
6Online Bill Pay service is included when you complete one or more online bill pay transactions each month. $2.50 Inactivity Fee applies during any month where no bill pay transactions are made. During the initial three months of service, Inactivity Fee is waived.


Refer to our Miscellaneous Fee Schedule for complete details and fee information.