Flexible checking options
Our Peoples Bank Checking Accounts offer what you want: Options and Flexibility! As you go through our checking accounts, we can help match you with one that best fits your financial needs!
It's a great time to have options! Every new Personal Checking Account includes:*
- FREE Peoples Bank Mastercard® Debit Card
- FREE Online Banking
- FREE Bill Pay
- FREE Mobile Banking with Mobile Deposit
- FREE E-Statements with Online Check Images
- FREE Thank You Gift
- BUY BACK of your debit cards and unused checks from another financial institution
Consider the features and competitive rates of a Peoples Bank Checking Account. Contact us or visit one of our locations and let us help you choose an account that best fits your needs!
Simply Free Checking
A FREE account for everyone!
- No minimum balance
- No monthly service charge
Direct Interest Checking
Earn interest with the convenience of direct deposit or any automatic payment!
- Competitive interest
- No minimum balance
- No monthly service charge
50+ Interest Checking
A perfect account for customers 50 and over!
- FREE personalized checks
- Competitive interest
- No minimum balance
- No monthly service charge
Preferred Interest Checking
An account for those interested in higher interest!
- FREE personalized checks
- Higher interest rate with a minimum daily balance of $1,500 or more
- Competitive interest if balance falls below $1,500
- $10 (plus tax) monthly service charge only if minimum balance falls below $1,500
Tell-A-Friend
Love banking with Peoples Bank? Refer a friend, and if your friend opens a new checking account, you and your friend will both receive a FREE gift! Learn how by clicking the button below.
Debit Cards
Our Personal Checking Accounts come with a free Peoples Bank Mastercard® Debit Card when you open your account. At Peoples Bank, you don’t have to wait for your debit card to come in the mail. We print our debit cards in house, giving you the ability to select your PIN and take your active debit card with you in just a few minutes. Show your school spirit, or choose from one of our other exclusive designs!*
Your Peoples Bank Mastercard® Debit Card is eligible for benefits from Mastercard®. The Guide to Benefits contains detailed information regarding the benefits you can access as a preferred Peoples Bank Mastercard® Debit Cardholder.
*Fees may apply for debit card design upgrade. You may be charged an ATM service fee from an institution outside of the Peoples Bank or Privileged Status Networks.
*Fees may apply for debit card design upgrade. You may be charged an ATM service fee from an institution outside of the Peoples Bank or Privileged Status Networks.
Report a Lost or Stolen Debit Card
If your debit card is lost or stolen, please contact your local Peoples Bank location immediately.
If after bank hours, please call the 24-hour customer service number at (866) 546-8273.
Partnering with Peoples Bank
As your community bank, Peoples Bank offers products and services specially tailored to our community. We’re dedicated to listening to our customers and giving back to our communities. Our employees make every effort to be a resource for customers to learn about financial products and services. We always take time to find the best banking solutions for you. Stop by or call us today! Peoples Bank offers ten convenient locations in Northwest Iowa, Southwest Minnesota, and Southeast South Dakota. We look forward to finding the right checking account for your needs and goals.
*Minimum opening deposit is only $25. Ask us for details. Bank rules and regulations apply. Other fees such as overdraft paid and overdraft returned fees, etc. may apply. See fee schedule for details. Free gift may be reported on a 1099-INT or 1099-MISC. Free gift provided at the time of account opening. We reserve the right to substitute a gift of similar value. Up to $10 for checks and debit cards from another financial institution given at the time the checks/debit cards are presented. Dormant Accounts – Accounts with daily ledger balances below $1,000 will be charged $2.50 per month if dormant for one year or more.
Preferred, 50+ and Direct Checking, Money Market and Savings Accounts: Rate Information – This is an interest-bearing account. The interest rate and annual percentage yield (APY) will depend on daily balance. The interest rate and APY may change. Interest will begin to accrue the business day we receive credit for the deposit of non-cash items (i.e. check).
Online & Mobile Banking
Do all your banking from your laptop, tablet or smartphone. Online & Mobile Banking makes it easier than ever!