Savings and Money Markets Accounts

*All Savings Accounts have the following PBT Perks:

  • Free Direct Deposit
  • Free eStatements
  • Free Online Banking
  • Free Mobile Banking
  • Free Mobile Deposit
  • Free ATM Deposit
  • Free Telephone Banking
  • Online Banking
  • Online Bill Pay
  • Person to Person (Send Money to Friends and Family)

  • Kasasa Saver

     

    • 1.00% APY on balances up to $50,000
    • 1.00% to 0.50% APY on amount of balance over $50,000
    • 0.05% APY if qualifications are not met
    • No monthly service fee
    • No minimum balance to earn rewards
    • Linked to Kasasa Cash or Kasasa Cash Back checking account
    • $100 minimum to open

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    Cycle Date Information

    *Minimum to open Kasasa Cash or Kasasa Cash Back is $100 and $100 for Kasasa Saver. APY = Annual Percentage Yield. APYs accurate as of 9/17/18. Rates may change after account is opened. Fees may reduce earnings.
    When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, the following rewards will be distributed to your account(s): (1) Kasasa Cash: Balances up to $20,000 receive a non-compounding APY* of 2.25%; and balances over $20,000 earn 0.25% interest rate on the portion of balance over $20,000, resulting in a non-compounding range from 2.25% to 0.58% APY depending on the account’s balance and (2) Kasasa Saver: Balances up to $50,000 receive APY of 1.00% and balances over $50,000 earn 0.25% interest rate on the portion of balance over $50,000, resulting in a range from 1.00% to 0.50% APY depending on the account’s balance. (3) ATM Fee Reimbursements: You will receive reimbursements up to $25 ($4.99 per single transaction) for domestic ATM fees incurred during the Monthly Qualification Cycle in which you met your Kasasa Cash qualifications. When Kasasa Cash qualifications are not met, ATM fees are not refunded, all balances in your Kasasa Cash account earn a non-compounding APY* of 0.05% and all balances in your Kasasa Saver account earn 0.05% APY. Rewards are credited to the appropriate account on the last day of the current statement cycle. *When linked to the Kasasa Saver account, the interest earned within the Kasasa Cash account does not compound since it is automatically transferred to the Kasasa Saver account within one day of being credited to the Kasasa Cash account. This automatic transfer may cause an overdraft to your Kasasa Cash account, if the account's balance is less than the transferred amount when transfer occurs. Due to non-compounding, the actual interest amount transferred from the Kasasa Cash account to the Kasasa Saver account may be less than the advertised Kasasa Cash APY, if the advertised APY is represented without a linked Kasasa Saver account.
    When your Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, the following rewards will be distributed to your account(s): (1) Cash Back Reimbursements: You will receive 4% cash back on debit card purchases that post and settle to the account during the Monthly Qualification Cycle up to a total cash back of $8 per monthly qualification cycle and (2) Kasasa Saver: Balances up to $50,000 receive APY of 1.00% and balances over $50,000 earn 0.25% interest rate on the portion of balance over $50,000, resulting in a range from 1.00 % to 0.50% APY depending on the account’s balance. (3) ATM Fee Reimbursements: You will receive reimbursements up to $25 ($4.99 per single transaction) for domestic ATM fees incurred during the Monthly Qualification Cycle in which you met your Kasasa Cash Back qualifications. When Kasasa Cash Back qualifications are not met, ATM fees are not refunded, cash back on debit card purchases are not refunded and all balances in your Kasasa Saver account earn 0.05% APY. Rewards are credited to the appropriate account on the last day of the current statement cycle.

  • Personal Savings

     

    • $100 Minimum initial deposit
    • Interest calculated on collected daily balances over $100 (credited to the account quarterly)
    • 9 Withdrawals allowed per quarter (each additional withdrawal is $2.00)
    • A $2.00 inactive fee will be assessed if the account balance is below $10.00 and the account has had no activity for 1 year
    • $10 quarterly fee if balance falls below $25
    • Quarterly statements

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  • Junior Savings
    • A junior savers account for those 17 years old and younger
    • $25 Minimum initial deposit
    • No Minimum Balance
    • Interest calculated on collected daily balance (credited to the account quarterly)
    • 9 Withdrawals allowed per quarter (each additional withdrawal is $2.00)
    • No Dormant account fee
    • Quarterly statements

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  • Money Market
    • $1000 Minimum Balance
    • Under $1000, there is a $10.00 account maintenance fee
    • Limited to 6 withdrawals per month ($10.00 for each additional withdrawal)
    • Monthly Statements with check images
    • Variable Market Interest Rate, paid monthly, calculated on the collected daily balance

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  • Money Market Investment
    • Minimum Balance to Open $10,000
    • Under $1000, there is a $10.00 account maintenance fee
    • Limited to 6 withdrawals per month ($10.00 for each additional withdrawal)
    • Monthly Statements with check images
    • Commercial Accounts Only - $.07 per item deposited not drawn on Peoples Bank
    • Variable market interest rate, paid monthly on deposit tiers, calculated on the collected daily balances

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