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Call Us Toll-Free: (800) 584-8859 Schedule an Appointment Routing Number: 125104425

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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 Zelle®.

     
    Essential Checking
    Open Now
    Debit Card Included
    Earns Interest No
    Online Banking, Mobile Banking and Bill Pay1 Included
    Checks Standard Rate Applies
    Peoples Perks (To be Discontinued) Not Included
    Monthly Service Charge $2 Service Charge (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

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    This information is for your ZIP Code of 49048

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    Compare Personal Checking Accounts

    Checking Comparison Flyer (PDF)
    Features 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 Monthly 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 - Same Day Refund4 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 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 principal balance on the last day of the qualification cycle for each loan account enrolled in the package.
    4Account Average Balance Cycle to Date must be positive for refunds to apply. Fee will appear on your statement and then a credit will appear the same business day as the transaction is processed.
    5Account Average Balance Cycle to Date must be positive for refunds to apply. Fee 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.