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| | | | | | Commercial Accounts**+ | Monthly service charge of... | If balance falls below... | and monthly activity charges of... | | Budget Business Checking * | N/A | N/A | $.32 per debit over 250 | | Business Checking * | $5.00 | $500 | N/A | | Regular Business Checking | $15 | $1,500 | $.32 per item over 250 | | Premium Business Checking | $15 | $2,500 | $.32 per item over 500 | | Business NOW | $15 | $2,500 | $.32 per item over 500 | | Business Market | $10 | $2,500 | $2.33 per debit over 6 | | Business Savings | $2 | $100 | $2.33 per debit over 3 | | | | | | | Commercial Analysis Products **,**+ | | Premium Plus Business Checking *** | Cash Management Business Checking | | Monthly Maintenance | | $5 | $15 | | 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 | $5 | | Commercial Cash Management Service****** | | | | | (includes ACH origination service) | | | Additional Fee | | Monthly Maintenance | | | $25 | | File Transmittal (manual diskette) | | | $50 | | ACH item (manual enter) | | | $0.40 | | File Transmittal (online banking) | | | $5 | | ACH item (online banking) | | | $0.15 | | Commercial Remote | | | | | Deposit Service ****** | | | Additional Fee | | Monthly maintenance--1st account | | | $15 | | Monthly service charge for each additional account | | | $2 | | Standard monthly equipment lease per scanner | | | $35 | | Remote deopist check item | | | $0.06 | | Remote deposit NSF check item | | | $2 | | Accounts Receivable Collection (ARC) item | | | $0.06 | | Back Office Conversion (BOC) item | | | $0.06 | | Point of Purchase (POP) item | | | $0.06 | | Returned Check Colllection (RCK) item | | | $4 | | ARC, BOC, POP, RCK Return item | | | $0.10 |
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* 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.
*** Custmoer must maintain additional banking relationships with PBT to qualify for this produt.
****** Require Premium Plus Business Checking or Cash Management Business Checking. |
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ACH Origination – payroll, collections, payments, etc. |
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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. |
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·Combined Statements – All accounts combined into a single statement. You can keep all of your business transaction records together in a single document. |
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Mulitple user security available. |
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Peoples Bank & Trust Visa and Visa Business Travel Cards available |
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ATM and Visa Debit cards available |
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Merchant accounts |
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Safe Deposit Box Rental |
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Telephone Banking - Access your account 24 hours a day, 7 days a week at 1-888-562-9997. |
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Remote Deposit - Checks can be cleared and deposited electronically through the process of check imaging. These transactions are done at your business location. |
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| BUSINESS LOANS |
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Inventory loans |
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Real Estate |
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Equipment |
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Lines of Credit |
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SBA |
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USDA, RD |
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| AGRICULTURAL LOANS |
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Farm Operating Lines of Credit |
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Livestock |
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Equipment |
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Real Estate |
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USDA, FSA & IFA |
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| DECISIONS MADE LOCALLY |
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| 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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