No matter what type of account, Pine Country Bank Personal Checking Accounts can fit your personal financial needs.


FREE CHECKING
A complete checking account with no minimum daily balance

• No minimum balance required
• No monthly maintenance fee
• Free first box of checks (150)
• Free paper statements without images
• A safe kept check fee of $4 will be charged for each copy of a truncated check

NOW ACCOUNT*
Full service interest earning checking account with many advantages

• Minimum opening deposit of $700
• A maintenance fee of $5 will be imposed every statement cycle if the balance in the account falls below $700 any day of the cycle. This fee will not apply if you maintain an average collected balance of $2500 during the statement cycle
• A per debit fee of $.20 will be charged for each debit transaction (withdrawal, check paid, automatic transfers or payment out of this account). The fee will not apply if you maintain an average collected balance of $2500 during the statement cycle.
• Three-tiered variable interest rate
• Free paper statement

EVERGREEN CHECKING
This account includes a number of additional banking services such as:

• No-charge personalized checks
• Unlimited check writing
• Coin-wrapping
• Notary service
• No-charge traveler's checks and personal money orders
• No minimum balance requirement
• 50% discount on safe deposit box
• 50% discount on fax service
• 10 free photocopies per month
• A maintenance fee of $6 will be charged each statement cycle

PRESTIGE CLUB*
An account designed especially for those who are 50+

• A $5,000 deposit in any combination of checking, savings, CDs, and IRAs qualifies for this account.
• A Monthly fee of $12 will be imposed every statement cycle unless you maintain a daily balance of $5000 in any combination of checking, savings, certificate of deposit or IRA accounts with us.
• Three-tiered variable interest rate
• Free standard duplicate checks
• One-Quarter percent interest rate bonus when you purchase one of our certificate of deposit
• Free ATM Debit Card
• No charge traveler's checks, money orders and cashier's checks
• Free checking with interest
• Free photocopies (limit 10 per day)

LOAN-O-MATIC

• For overdraft protection, you can add our Loan-O-Matic* plan to your checking account
• If your account is overdrawn, funds from a pre-determined line of credit automatically transfer to your checking account

*Available for qualified customers. Transferred funds are subject to credit terms and rates determined at time of application.

Click here for more information on Personal Banking Checking Accounts.

*Rate Information – Your interest rate and annual percentage yield may change
*Frequency of rate changes – We may change the interest rate on your account at any time *Determination of rate – At out discretion, we may change the interest rate on your account *Compounding and crediting frequency – Interest will be compounded every month. Interest will be credited to your account every month.
*Average daily balance computation method – We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle.
*Accrual of interest on non cash deposits – Interest begins to accrue on the first business day after the banking day you deposit noncash items (for example, checks)

**Effect of closing an account – If you close your account before interest is credited; you will not receive the accrued interest.

SECURITY MESSAGE
Please do not include any private information in your email such as account numbers, social security numbers, or pin numbers. Please call or stop in if you need to speak to a customer service representative.