Secure Checking

Peoples Independent Bank provides a variety of checking accounts to match your financial needs and lifestyle. These accounts provide you with detailed records and monthly image statements to help you keep up with expenses and income. Checks give you the convenience of paying by mail rather than in person and your canceled checks are legal proof of payment.

Our goal is to make banking enjoyable and as easy as possible for you. We hope you’ll agree, “you’ll like banking with us!”

Secure Checking

  • ATM / Debit Card
  • ShazamBolt App
  • Mailed Image Statement
  • Online Banking with Bill Pay
  • Telephone Banking
  • Direct Deposit
  • Unlimited Check Writing
  • IDProtect® – Identity Theft Protection Service1
  • Credit File Monitoring – daily credit file monitoring and automated alerts of key changes to your Experian, Equifax and TransUnion credit reports (registration/activation required)
  • Total Identity Monitoring – monitoring of over 1,000 databases including credit, Social Security, 
    public records, real property records, telephone and many others (registration/activation required)
  • 3-in-1 Credit Report – request new report every 90 days or upon receipt of a credit alert (registration/activation required)
  • Credit Score – receive new single bureau credit score with every new credit report (registration/activation required)
  • Fully Managed Identity Theft Resolution Services – access to a fraud specialist assigned to manage your case who will work with you until your credit and identity are restored
  • Identity Theft Recovery Case Plan – to inform you of the recovery process
  • Up to $10,000 Identity Theft Expense Reimbursement Coverage2
  • Debit and Credit Card Registration(registration/activation required)
  • Online Identity Theft News Center and Valuable Phone & Web Resources (registration/activation required)
  • Cellular Telephone Protection2  (Cellular telephone bill must be paid through this account.)
  • All for a low monthly service fee of $6.00 (have or sign up for eStatements and your monthly service fee will reduce by $2.00, making your monthly service fee $4.00).
  1.  IDProtect service is a personal identity theft protection service available to account owner(s) and their joint account holders.  The service is available to non-publicly traded businesses and their business owner(s) listed on the account (service not available to employees or authorized signers who are not owners).  For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s).  For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member (Fiduciary is not covered).  Service is not available to a “signer” on the account who is not an account owner.  Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students
  2. Special Insurance Program Notes:  The descriptions herein are summaries only.  They do not include all terms, conditions and exclusions of the policies described.  Please refer to the actual policies for complete details of coverage and exclusions.  Insurance is offered through the company named on the certificate of insurance.  Guide to Benefit is provided at account opening.

Insurance products are not a deposit; not FDIC insured; not an obligation of bank; and not guaranteed by bank or any affiliated entity

NOW Checking Account

  • Daily accrual of interest, paid monthly
  • No monthly fee for daily balances greater than $800
  • $5 monthly fee for daily balances less than $800
  • Please contact bank for current NOW account interest rates Unlimited check writing
  • Free ATM / Debit card
  • Free e-statement or image statement
  • Free online banking with free bill pay
  • Free telephone banking
  • Free direct deposit
  • Minimum opening deposit of $800

Elite NOW Checking Account

  • No service fee for daily balances greater than $10,000
  • Earn 20% of the Wall Street Journal prime lending rate on balances of $10,000 or greater
  • $10 service charge for daily balances less than $10,000
  • Earn 10% of the Wall Street Journal prime lending rate on balances less than $10,000
  • Minimum opening deposit of $10,000
  • Interest rates are adjusted monthly
  • Please contact bank for current interest rate Unlimited check writing
  • Free ATM / Debit card
  • Free e-statement or image statement
  • Free online banking with free bill pay
  • Free telephone banking
  • Free direct deposit