Peoples Bank & Trust
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Business Deposit Accounts  
Deposits Cash Management
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Loans  

    
Commercial Accounts**+ Monthly service charge of... If balance falls below... and monthly activity charges of... 
    
Business Regular Checking * $5.27 $650 $.09 per item over 250 
NOW Business* $7.77 $1,350 $.09 per item over 250 
Business Free Account* N/A N/A $.09 per item over 75 
Super NOW Public $10.00 $2,500 $.09 per item over 250 
Business Elite Checking $7.77 $5,000 $.09 per item over 250 
Business Elite Savings* $2.00 $100 $2.61 per debit over 6 + $1 per credit item over 44 
Business Club Account* $7.50 N/A $.09 per item over 75 
Business Investors Money Market* $25.00 $9,500 $2.61 per debit over 6 + $1 per credit item over 44 
Regular Business Checking* $15.00 $1,850 $.39 per item over 250 
Municipal Cash Management Account Analysis N/A N/A 
Premium Business Checking* $15.00 $2,500 $.39 per item over 250 
Business NOW $15.00 $2,750 $.39 per item over 250 
Business Money Market $10.00 $2,500 $2.61 per debit over 6 + $1 per credit item over 44 
Business Savings $2.00 $100 $2.61 per debit over 6 + $1 per credit item over 44 
Commercial Analysis Products**,**+  Premium Plus Business Checking *** Cash Management Business Checking 
Monthly Maintenance  $5.00 $15.00 
Debit item charge  $0.10 $0.15 
Deposit  $0.15 $0.25 
Credit item: On us check charge  $0.05 $0.05 
Credit item: Transit check charge  $0.06 $0.08 
Return Items  $5.00 $5.00 
Commercial Analysis Products**,**+   Commercial Cash Management (including ACH Origination) ++ 
Monthly Maintenance   $25.00 
File Transmittal (manual diskette)   $50.00 
ACH item (manual enter)   $0.40 
File Transmittal (online banking)   $5.00 
ACH item (online banking)   $0.15 
Commercial Analysis Products**,**+   Commercial Remote Deposit Service ++ 
Monthly Maintenance - 1st Account   $15.00 
Monthly Service charge each additional account   $2.00 
Standard monthly equipment lease per scanner   $35.00 
Remote Deposit check item   $0.06 
Remote Deposit NSF check item   $2.00 
Accounts Receivable Collection (ARC) item   $0.06 
Back Office Conversion (BOC) item   $0.06 
Point of Purchase (POP) item   $0.06 
Returned Check Collection (RCK) item   $4.00 
ARC, BOC, POP, RCK Return item   $0.10 

* Special products which are no longer being established.

** Earnings Credit is calculated on a portion of collected account balance to offset service charges.

**+ Negative Balance Debit is calculated on negative balance during the statement cycle period.

Peoples Bank & Trust has chosen not to participate in the FDIC’s Transaction Account Guarantee Program. Customers of Peoples Bank & Trust with noninterest-bearing transaction accounts will continue to be insured through December 31, 2013 for up to $250,000 under the FDIC’s general deposit insurance rules.

calculators > Mortgage calculators
How Much House Can I Afford?
Loan
Compound Interest
How Much Will I Need to Retire?
Simple Savings

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Use the 'watch list' feature of bank pbt online to alert you when your account balance is above or below a set limit, when a check clears, when a loan matures and more!
  Cash management Services
ACH Origination – payroll, collections, payments, etc.
Cash Management sweeps – Sweep funds automatically from one account to another for optimal earnings and profits. You determine the amount of funds you need to maintain your business checking account to cover normal operating activity. Any amount over that will be swept to an investment account or a loan. You can either maximize your interest income or minimize your interest expense.
·Combined Statements – All accounts combined into a single statement. You can keep all of your business transaction records together in a single document.
Mulitple user security available.
   
     
Business Card Services
Peoples Bank & Trust Visa and Visa Business Travel Cards available
ATM and Visa Debit cards available
Merchant accounts
  Additional Services
Safe Deposit Box Rental
Telephone Banking - Access your account 24 hours a day, 7 days a week at 1-888-562-9997.
Remote Deposit - Checks can be cleared and deposited electronically through the process of check imaging. These transactions are done at your business location.
     
     
Business Loans
BUSINESS LOANS
Inventory loans
Real Estate
Equipment
Lines of Credit
SBA
USDA, RD
   
AGRICULTURAL LOANS
Farm Operating Lines of Credit
Livestock
Equipment
Real Estate
USDA, FSA & IFA
   
DECISIONS MADE LOCALLY
 
At Peoples Bank & Trust we've designed products to help make your life a little easier. To find out how our products can work for you, contact us at 217-562-2137

We are a locally owned and managed community bank. Decisions, products and services are tailored to meet your business and personal needs. You are assured prompt and confidential service.
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