Personal Banking

Providence Checking

• No monthly maintenance fee
• No minimum balance
• Unlimited activity
• Free online bill pay

Benefit Checking

• For customers over 55 years young
• No monthly maintenance fee with a direct deposit
• $5.00 monthly maintenance fee without direct deposit
• Unlimited activity
• Free online bill pay
• Savings account with no balance requirements
• Free personalized “PBT Bank” checks
• Free 3×10 safe deposit box for 1 year
• Free cashier’s checks

Money Market Account

• No monthly maintenance fee with daily balances over $10,000.00
• Monthly maintenance fee of $15.00 with daily balances under $10,000.00
• Limited to six (6) debits per monthly statement cycle.
• A fee of $10.00 for each withdrawal over the limit
• Free personalized “PBT Bank” checks
• Free 3×10 safe deposit box for 1 year
• Free cashier’s checks
• Pays tiered interest rates (contact us for current rates)

Savings Account

• No quarterly maintenance fee with daily balances over $500.00
• Quarterly maintenance fee of $5.00 with daily balances under $500.00 (customers age 18 and under require no minimum balance)
• Limited to 6 withdrawals per quarterly statement cycle
• A fee of $2.00 for each withdrawal over the limit
• Pays interest (contact us for current rates)

Certificates of Deposit

• Terms from 30 days to 60 months with various balance levels.  Please contact us for current interest rates and terms.