Deposit Products – Personal

Deposit Products

From checking and savings accounts to CD’s and individual retirement accounts, Premier Commercial Bank offers a range of options for your personal banking needs. Depending on your financial goals, we have the plan that is just right for you.

 

Regular Checking Account

Features and Benefits

  • Unlimited transactions per month, including any combination of checks, drafts, electronic withdrawals and transfers, debit card and ATM transactions
  • Unlimited Bill Pay at no charge
  • Free debit card*
  • Free ATM transactions, nationwide
  • Free online banking
  • Monthly paper or e-statement includes free check images

Requirements

  • $100.00 to open
  • $1000 average daily balance or $10 maintenance fee

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Premier Checking Account

Features and Benefits

  • Competitive interest rates earned on the daily collected balance
  • Unlimited transactions per month, including any combination of checks, drafts, electronic withdrawals and transfers, debit card and ATM transactions
  • Unlimited Bill Pay at no charge
  • Free debit card with free ATM usage
  • Free ATM transactions, worldwide
  • Free online banking
  • Free basic order of checks; specialty checks are discounted
  • Monthly paper or e-statement include free check images

Requirements

  • $100.00 to open
  • $2500 average daily balance requirement OR a $10,000 daily balance in a Premier Money Market Account or a Personal Savings Account OR a Home Equity Line of Credit** of $50,000 or more OR pay a $20 monthly maintenance fee

**Lines of credit are subject to credit approval, verification and collateral evaluation.

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Student Checking

Features and Benefits

  • No minimum balance required
  • No service charge
  • Free online banking
  • Free debit card*
  • Free ATM transactions, nationwide
  • Monthly paper or e-statements includes free check images

Requirements

  • $100.00 to open

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Premier Money Market Account

Features and Benefits

  • Competitive interest rates on the daily collected balance
  • Tiered interest rates
  • Free online banking
  • Monthly paper or e-statement includes free check images

Requirements

  • $100.00 to open
  • $2500 average daily balance or $10 maintenance fee
  • $10 service charge on each debit after 6 per month**

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Personal Savings Account

Features and Benefits

  • Competitive interest rates on the daily collected balance
  • Interest paid quarterly
  • Free online banking
  • Free ATM card

Requirements

  • $500 average daily balance or $10 maintenance fee per statement cycle
  • $5 savings debit charge after 3 withdrawals per statement cycle

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Personal CD’s

Features and Benefits

  • Competitive interest rates on tiereddeposits with flexible terms
  • 1 to 60 month maturities are available
  • All CD’s automatically renewed at maturity (Interest rates are subject to change to the current interest rate for the same or similar term upon renewal.)

Requirements

  • $500 required to open

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CD IRA

Features and Benefits

  • Competitive interest rates on amount of deposit and term of certificate
  • 12 to 60 month terms available
  • All CD’s automatically renewed at maturity (Interest rates are subject to change to the current interest rate for the same or similar term upon renewal.)

Requirements

  • $500 required to open

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Money Market IRA

Features and Benefits

  • Competitive interest rates on tiered deposits with flexible terms
  • Offers immediate availability of funds and flexibility to make deposits to account

Requirements

  • $100.00 required to open **
  • $2500 average daily balance requirement or pay a $10 monthly maintenance fee

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Roth IRA

Features and Benefits

  • Competitive interest rates on tiered deposit with flexible terms
  • Interest paid quarterly
  • 12 to 60 month CD terms available
  • All CD’s automatically renewed at maturity (Interest rates are subject to change to the current interest rate for the same or similar term upon renewal.)

Requirements

  • $100 required to open

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* In order to access ATMs and receive your free debit card, customers must meet certain eligibility requirements. Please ask a Premier Client Services Specialist for more information.

** Unlimited “in person” withdrawals are permitted, however federal regulation limits pre-authorized, automatic, or telephone transfers to six per month.