Checking Account Features
Every checking account offered by Peoples Exchange Bank comes with these great features included.
Compare Accounts
Kasasa Cash
Earn monthly cash rewards with Kasasa Cash®.
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2.02% APY* on balances up to $10,000
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2.02% to 0.27% APY* on balances over $10,000 depending on balance in the account
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0.01% APY* if qualifications aren't met
- Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)
- Visa Debit Card
Kasasa Play
Get refunds on video, audio, gaming, and other digital streaming services.
- Earn up to $10 every month in refunds for music, video, audio, gaming, and other digital streaming services
- Receive up to $20 bonus in credits when you open your account for streaming services
- Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)
- Visa Debit Card
Kasasa Cash Back
Earn cash back on debit purchases with Kasasa Cash Back®.
- 3.00% cash back on debit card purchases
- Cash back earned on up to $200 in purchases monthly
- Earn up to $72 cash back per year, $6 per month
- Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)
- Visa Debit Card
Value Checking
The perfect blend of digital access and traditional banking.
- Unlimited transactions
- Visa Debit Card
Best of Times
Choose Best of Times checking that pays competitive interest, plus everything else you need for all-around better banking.
- Credit File Monitoring
- Entertainment Savers Guide
- Cash Back Member Rewards
- $10,000 Accidental Death & Dismemberment Insurance* coverage that divides equally on joint accounts and reduces 50% at age 70
- $150,000 Common Carrier Coverage
- Visa Debit Card
Peoples Premium
Expect more from your checking account with competitive interest and added convenience.
- Unlimited transactions
- Interest Bearing
- Free Personalized Checks*
- Visa Debit Card
Student Checking
Banking for the next generation.
- Unlimited transactions
- No minimum balance requirement
- No monthly service fee*
- Visa Debit Card
StartFresh® Checking Accounts
Peoples Exchange Bank has checking accounts specifically for individuals seeking a fresh start with banking. StartFresh® Basic and StartFresh® Checking accounts provide a second chance at first-class banking.
| Details | Kasasa Cash | Kasasa Play | Kasasa Cash Back | Value Checking | Best of Times | Peoples Premium | Student Checking |
|---|---|---|---|---|---|---|---|
| Minimum to Open | $50 | $50 | $50 | $50 | $50 | $10,000 | $50 |
| Best For | High Earnings | Streaming Refunds | Cash Back | Basic Checking | Perks | High Balances | Students |
| Minimum Balance to Avoid Service Charge | N/A | N/A | N/A | $2,500 | N/A | $5,000 | N/A |
| Monthly Service Charge | N/A | N/A | N/A | $3 | $8 | $15 | N/A |
| Interest Bearing | Yes | No | No | No | Yes | Yes | No |
| Unlimited Check Writing |  |
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N/A |
| Overdraft Services Available | |
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N/A | N/A |
| Statement Option | e-Statement | e-Statement | e-Statement | Paper or e-Statement | Paper or e-Statement | Paper or e-Statement | e-Statement |
Checking Account FAQs
Opening an account is easy! Our video tutorial walks you through our Online Account Opening process.
Which accounts can I open online?
All Kasasa accounts as well as Value Checking and Best of Times accounts can be opened online.
If interested in an account not offered online, please visit your local branch to open.
What is the minimum opening deposit?
The minimum opening deposit for opening our Peoples Premium account is $10,000. All other accounts have a minimum opening deposit of $50.
At our discretion, we may pay and permit transactions for items, including checks, pre-authorized automatic debits, telephone-initiated transfers or other electronic transfers, when there are not sufficient available funds. We reserve the right not to pay. A NSF Paid Item(s) Charge or NSF Returned Items(s) Charge of $34.00 will be assessed for each item that is paid or returned. An Automatic Transfer Fee of $5.00 will apply for any pre-authorized automatic transfer between accounts to cover an overdraft. Any overdraft must be repaid as soon as possible, but no later than 30 days after the account balance was first negative.
We cannot authorize or pay overdrafts for ATM or point-of-sale debit card transactions unless the account holder authorizes us to do so. If the account holder does not authorize us to pay an overdraft on ATM and everyday debit card transactions, the transaction will be declined.
Kasasa Cash
*APY = Annual Percentage Yield. APYs accurate as of 9/14/2022. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.
Contact one of our bank service representatives or click here for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.
Kasasa Cash Back
Contact one of our bank service representatives or click here for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.
Kasasa Play
Visit https://www.kasasa.com/play-partners for a complete listing of qualifying music, audio, video, and gaming streaming services.
Contact one of our bank service representatives or click for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. Kasasa and Kasasa Play are trademarks of Kasasa, Ltd., registered in the U.S.A
Best of Times
*Please note that insurance products are not insured by the FDIC or any Federal Government Agency; a deposit in, obligation of, guaranteed or underwritten by Peoples Exchange Bank; and is not a condition of any bank service.
*APY = Annual Percentage Yield. APYs accurate as of 9/14/2022. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.
Contact one of our bank service representatives or click here for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.
Kasasa Cash Back
Contact one of our bank service representatives or click here for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.
Kasasa Play
Visit https://www.kasasa.com/play-partners for a complete listing of qualifying music, audio, video, and gaming streaming services.
Contact one of our bank service representatives or click for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. Kasasa and Kasasa Play are trademarks of Kasasa, Ltd., registered in the U.S.A
Best of Times
*Please note that insurance products are not insured by the FDIC or any Federal Government Agency; a deposit in, obligation of, guaranteed or underwritten by Peoples Exchange Bank; and is not a condition of any bank service.
Peoples Premium
*Wallet style specialty gray checks offered at no charge.
Student Checking
Student must be 14 – 21 years of age at account opening. There must also be one person on the account aged 18 or above if Student is under the age of 18. Enrollment in online banking and e-Statements are required. Overdraft is not available. There is no Monthly Service Fee* associated with this account while the student is under the age of 21.
*When this account transfers to Value Checking Account all fees shall apply. This account will automatically transfer to a Value Checking Account when the Student reaches 21 years of age.