Click the links below to read more about the features of our accounts.

Interest Bearing Accounts

• All-In-One
• Money Market Checking
• Grand Money Market Checking
• Crown Club Account

Non-Interest Bearing Accounts

• Regular Checking Account
• Easy Choice Checking
• First Choice Checking

Certificates of Deposit, IRA's and Savings Accounts

• Certificates of Deposits
• Health Savings Account
• IRA's
• Safe Deposit Boxes
• Personal or Business Savings
• Moola Moola Savings
• Christmas Club

Interest Bearing Accounts

All-In-One

• Interest bearing checking account
• Unlimited check writing
• Unlimited deposits
• No monthly service charge with a $500.00 minimum daily balance; $10.00 if balance falls below $500.00
• Free direct deposit service
• Checking or ATM card (upon approval).
• Monthly Statements with check images enclosed

Money Market Checking

• Interest bearing checking account
• No monthly service charge with a $500.00 daily balance; $10.00 charge if balance falls below $500.00
• Unlimited deposits
• Limited transactions
• Free direct deposit
• ATM card (upon approval)
• Higher interest rate than All-In-One
• Monthly statement with check images enclosed

Grand Money Market Checking

• $10,000 balance requirement, $10.00 fee if daily balance falls below $10,000
• Higher interest rate if balance stays above $10,000
• Interest bearing checking account
• Unlimited deposits
• Limited transactions
• ATM card (upon approval)
• Monthly statement with check images enclosed

Crown Club Account

• Interest bearing account
• No monthly service charge with a $2,500.00 daily balance; $10.00 charge if balance falls below $2,500.00
• Unlimited deposits
• Unlimited withdrawals
• Free direct deposit services
• Checking or ATM Card (upon approval)
• Free Single Signature Travelers Checks
• Free Money Orders, Cashier's Checks, and Notary Service
• Complimentary personalized wallet style checks
• Must be age 50 or better
• Newsletter
• Group travel and special events planned
• Monthly statement with check images enclosed

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Non-Interest Bearing Accounts

Regular Checking Account

• Unlimited check writing and deposits
• No monthly service charge with a $400.00 daily balance. (daily balance of at least $300 but falls below $400 - $3 charge; daily balance of at least $200 but falls below $300 - $4 charge; if daily balance falls below $200 - $5 charge)
• Service charge waived if age 62 or better
• Free direct deposit
• Checking or ATM Card (upon approval)
• Monthly statement with check images

Easy Choice Checking

• Unlimited check writing and deposits
• No monthly service charge
• Automatic check safekeeping
• Free direct deposit
• Checking or ATM Card (upon approval)
• Monthly statement
• No minimum balance required

First Choice Checking

• Free custom PBNB wallet style checks
• No minimum balance requirement
• 50 basis points discount on consumer loans*, with an automatic debit
• 50% discount on Safe Deposit Box
• Checking and/or ATM Card*
• Unlimited check writing
• No annual fee PBNB Visa/Mastercard*
• Open with as little as $100.00
• Free Single Signature Travelers Checks
• Monthly statement with check images
• Free direct deposit
• $7.00 Monthly Fee

* Upon Approval

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Certificates of Deposit, IRA's and Savings Accounts

Certificates of Deposit

Unless considered "special" - all CDs require $500 to open. Interest can be paid to the account monthly, quarterly, semiannually or annually, but at least once a year, CDs can be for individuals or businesses. Specific terms quoted at specific rates.

IRA's

• Traditional
• SIMPLES
• SFPS
• CESA (Coverdell Educational Savings Act)
• ROTH

Safe Deposit Boxes

Various sizes are available at all locations.

Personal or Business Savings

• Minimum Deposit of $50
• Three withdrawals per quarter; $2 service charge for each additional withdrawal
• Minimum balance requirement of $50; $2 service charge if daily balance falls below $50 during the quarter
• Interest paid quarterly

Moola Moola Savings

• For children under 14
• Minimum deposit of $10
• Three withdrawals per quarter; $2 service charge for each additional withdrawal

Christmas Club

• No service charges
• No withdrawals. If customer closes account before end of October, the interest is forfeited
• Checks sent at the end of October

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* PBNB is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through June 30, 2010, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.