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Personal Banking

Personal Checking

With three checking accounts to choose from, Pine Country Bank Personal Checking Accounts can fit all of your personal financial needs.  All of our checking accounts feature the options of online bill pay, free online and mobile banking, and free E-statements.

Learn more about online and mobile banking.

  • Basic Checking: No monthly service fee or minimum account balance
  • Evergreen Checking: Many of the  features of the Basic Checking account plus check discounts for a low monthly fee
  • Variable Rate Now Checking: An account with 3-tiers of competitive interest, monthly fee is waived if balance requirements are met

See the table below for a comparison of our Personal Checking Account offerings.

All accounts include 24/7 account access online or via Telebanc.
Accounts and options effective January 1, 2016.

  Basic Checking* Evergreen Checking* Variable Rate Now Checking*
Debit Card0
Free Online Banking
Free Mobile Banking1
Online Bill Pay2
Free E-Statements
Check Discounts    
Interest-Earning Accounts    
Minimum Opening Deposit $25 $0 $700
Minimum Average Balance $0 $0 $700
Minimum Daily Balance $0 $0 $700
Monthly Service Fee $0 $6 $5 or waived if balance requirements are met
Debit Item Fee $0 $0 20¢ fee/debit transaction


*A $25.00 fee may apply if your account is closed within 6 months of the opening date
0 One-time or monthly fees may apply
1 Your mobile carrier's text messaging and web access charges may apply 
2 First 10 transactions are free per monthly anniversary date. Additional bill pay transactions are 50¢ each