Personal Banking - Checking

For more information or to open an account, stop by any of our conveniently located offices, give us a call at 903-783-3800, or

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Five Star Checking

This is a non-interest bearing account with no minimum opening balance requirements.  Avoid a low monthly service charge by maintaining a minimum daily balance of $100.00. Other features include:…..

  • NO transaction fees for check writing or deposits
  • FREE Online Banking, Bill Pay, and Mobile Banking
  • ATM/MasterCard® Debit card eligibility

NOW Interest Checking

Earn interest on your checking account balances and avoid a low monthly service charge by maintaining a minimum daily balance of $500.00. Other features include:

  • NO transaction fees for check writing or deposits
  • FREE Online Banking, Bill Pay, and Mobile Banking
  • ATM/MasterCard® Debit card eligibility

Second Chance Checking

If you have been denied a checking account because of past problems with ChexSystems or TeleCheck, this account may be for you.  Other features include:

  • NO minimum balance
  • NO transaction fees for check writing or deposits
  • FREE Online Banking, Bill Pay, and Mobile Banking
  • ATM/MasterCard Debit Card eligibility

Golden Eagle NOW Account

If you are age 55 or over, you qualify for our Golden Eagle NOW Checking Account. Features include:

  • FREE personalized Golden Eagle checks
  • Complimentary cashier’s checks, traveler’s checks, and notary service
  • Complimentary small safe deposit box for one year
  • ATM/MasterCard Debit Card eligibility
  • FREE Online Banking, Bill Pay, and Mobile Banking
  • NO transactions fees for check writing and deposits

Discretionary Overdraft Payment (ODP) Service*

ODP is a service Peoples Bank offers to help cover inadvertent overdrafts that may occur on your checking accounts. Account owners should try and limit the use of ODP to emergency situations.

Please see our Fee Schedule for additional information.

* Our Discretionary Overdraft Payment (“ODP”) Service will charge your account a $27.50 per-item fee for overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means.  If you do not restore your overdrawn account to a positive balance within 30 days, your participation in the ODP Service may be terminated.  Whether your overdrafts will be paid is discretionary and we reserve the right not to pay.  For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts.