Personal

Checking

Choices to Suit Your Situation

Comparison table of personal checking accounts #1
	Student Checking	Silver $ Checking	Free Checking
Description	A starter checking account for young adults	A rewarding checking account for retirees	A back-to-basics checking account
Minimum Deposit to Open	None	$100	$100
Minimum Monthly Balance	None	None	None
Monthly Service Charge	None	None¹	None
Earns Interest	No	No	No
Online & Mobile Banking
Overdraft Plan Available
Up to 5 No-fee Money Orders
Photocopy Service (fees may apply)
25% Discount on Safe Deposit Box

Comparison table of personal checking accounts #2
	PNB Advantage Checking	NOW Checking	Super NOW Checking	PNB Platinum NOW Checking
Description	An account to better protect your identity and save when you spend	An interest-bearing checking account	An interest-bearing checking account with competitive interest	An account with tiered interest rates to reward large balances
Minimum Deposit to Open	$100	$750	$2,500	$25,000
Minimum Monthly Balance	None	$750	$2,500	$25,000
Monthly Service Charge	$5	$7.50, and $0.20 per debit fee applies if minimum balance threshold not met during statement cycle	$10.00, and $0.20 per debit fee applies if minimum balance threshold not met during statement cycle	$15, and $0.20 per debit fee applies if minimum balance threshold not met during statement cycle
Earns Interest
Online & Mobile Banking
Overdraft Plan Available
Credit Report and Financial Wellness Tools²
IDProtect® Identity Theft Monitoring and Resolution Service³
Identity Theft Expense Reimbursement Coverage⁴ and Credit File Monitoring⁵
Shopping Rewards™ ⁶
Free Printed Checks (specialty only)
No Closing Costs on a New Home Equity Line of Credit

Debit Cards

Our debit card gives you the ability to make purchases from virtually anywhere! Need cash? You can also use your debit card at any ATM to access your account (though fees may apply if using a non-sponsored ATM).

Features include:

Ability to link to a PNB savings account
Monthly statement itemization
Safeguarded if lost or stolen
Accepted wherever MasterCard is accepted
MasterCard Secure enabled
No monthly fee

Reorder Checks

All you need is your account number and next check number to get started!

Order Checks

¹ Members with interest-bearing checking accounts are subject to service charges per those accounts.

² Credit score is a VantageScore 3.0 based on single credit bureau data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness.

³ Benefits are available to personal checking account owners, their joint account owners, and their eligible family members subject to the terms and conditions set forth in the Guide to Benefit and/or insurance documents for the applicable Benefits. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations, and/or churches and their members, or schools and their employees/students. Family includes spouse, persons qualifying as domestic partner, children under 25 years of age and parent(s) of the account holder who are residents of the same household.

⁴ Special program notes: the descriptions herein are summaries only and do not include all terms, conditions and exclusions of the benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. Insurance Products are not insured by the FDIC or any federal government agency; not a deposit of or guaranteed by the bank or any bank affiliate.

⁵ Credit file monitoring may take several days to begin following activation.

⁶ Registration/activation required. Available online only.