We believe your checking account should work for you and your specific financial needs. The right checking account can help simplify your finances, allowing you to deposit paychecks, pay bills, invest, and transfer cash worry-free. At Peoples Bank of Alabama, we offer three convenient, personalized types of personal checking accounts: Performance Checking, Peoples Choice Checking, and Simple Checking. Based on your needs and financial situation, we can help you select the personal checking account that delivers the most for you. Get help finding a local branch or ATM and opening your checking account with Peoples Bank.
Local Branch Support
Although we offer the services of a big bank, we’re your local community bank with familiar faces you know and trust. Find a bank or ATM near you!
Types of Checking Accounts at Peoples Bank
Performance Checking: This account allows customers with higher balances to earn interest while enjoying great features. Thanks to a tiered interest structure and digital banking tools, you can grow the money in your checking account while still having easy access.
Peoples Choice Checking: This personal checking account is ideal for everyday banking, combining digital tools with traditional services like unlimited check writing. You benefit from zero monthly maintenance fees and 24/7 account access through online and mobile banking.
Simple Checking: With zero monthly maintenance fees and advanced digital tools, simple checking accounts are perfect for users who want modern features at minimal cost. If you prefer debit card transactions, simple checking accounts allow you to manage your money without the need for checks.
Big Bank Capabilities with Local Roots.
Open an Account Today
Which Account is best for me?
Performance Checking | Peoples Choice Checking | Simple Checking | |||
| Anywhere Banking Tools Online banking, mobile banking, MyCardRules, Zelle®, bill pay, photo deposit, budgeting tools and financial advice | Anywhere Banking Tools Online banking, mobile banking, MyCardRules, Zelle®, bill pay, photo deposit, budgeting tools and financial advice | Anywhere Banking Tools Online banking, mobile banking, MyCardRules, Zelle®, bill pay, photo deposit, budgeting tools and financial advice | |||
| Free eStatements with images May receive paper statements for a $4 fee per month | Free eStatements with images May receive paper statements for a $4 fee per month | Free eStatements with images May receive paper statements for a $4 fee per month | |||
| Access account via Debit or ATM Card Enjoy convenient account access for purchases, cash withdrawals or make deposits 24/7 at Peoples Bank ATM's | Access account via Debit or ATM Card Enjoy convenient account access for purchases, cash withdrawals or make deposits 24/7 at Peoples Bank ATM's | Access account via Debit or ATM Card Enjoy convenient account access for purchases, cash withdrawals or make deposits 24/7 at Peoples Bank ATM's | |||
| Overdraft Protection Options Courtesy Overdraft Privilege or Overdraft Sweep from an eligible Peoples Bank funding account with no transfer fees. May opt out of Courtesy Overdraft Privilege at any time.* | Overdraft Protection Options Courtesy Overdraft Privilege or Overdraft Sweep from an eligible Peoples Bank funding account with no transfer fees. May opt out of Courtesy Overdraft Privilege at any time.* | No-Fee Overdraft Free transfer of funds from an eligible Peoples Bank funding account. We generally decline transactions that cause overdrafts on your account. | |||
| Check Writing Pay by check as often as needed with no limitations to the number of checks paid | Check Writing Pay by check as often as needed with no limitations to the number of checks paid | Check Writing This account is designed to be accessed via Debit Card. There will be a $1.00 fee assessed for each check paid, including checks issued through the bank’s Bill Payment. | |||
| Free custom checks for customers 62 and older | Free custom checks for customers 62 and older | ||||
| Earn Interest on Your Balance Competitive interest paid based on the following tier $0.00 – $999.99 — earns no interest | |||||
| Maintain an average monthly deposit balance of $1,000 and we’ll waive the $10 monthly service charge. | No monthly maintenance fee | No monthly maintenance fee |
Why Open a Checking Account with Peoples Bank
Open a checking account and enjoy the following benefits:
Security
We employ various security measures to safeguard your money and financial data, including multifactor authentication, encryption, account time-outs, and real-time alerts to detect unusual activity. The MyCardRules mobile app also offers free debit card monitoring, allowing you to see where, when, and how your card is used. Additionally, we're FDIC-insured, protecting you and your account.
Easy Access
A checking account from a reputable bank gives you financial security, freedom, and convenience. Nowadays, you can view balances, transfer money, make bill payments, and even deposit checks from your phone or computer without having to step foot in a branch.
Convenience
Checking accounts from Peoples Bank allow you to manage your money from wherever you are, whether you want to check your balance, view your account history, or make payments. In just a few clicks, you can enjoy convenient banking in Central Alabama that prioritizes you and your financial needs.
Customer Testimonials
"As a busy local real estate agent, I visit People's Bank in Warrior often. Some days can get stressful, and they are always kind and patient. I recently bought a house myself, and they helped make the necessary transfers easy. Thank you for your hard work!"
"Knowledgeable/friendly staff. Quick to respond to calls/emails. The loan department helped me out when I was in a bind."
"Very friendly, professional and helpful staff. The people there always make me feel welcome and always help me with my transactions. AWESOME service!!!"
How to Open a Checking Account Online at Peoples Bank
Here's a step-by-step guide on how to open an account at Peoples Bank:
Click the link and confirm you meet the following criteria:
Be 18 years or older
Be a lawful U.S. resident
Have a government ID
Hold a social security number
Select your preferred account product and add it to your cart.
Enter your email address and phone number.
Confirm you understand how your information is being used and that you have read and agreed to receive new account details electronically.
Scan your driver's license or fill out an online form.
Activate your account by transferring the minimum initial deposit.
Frequently Asked Questions
In addition to being 18 years or older and having legal U.S. residency, you need a social security number and government-issued ID.
Yes, you can open and manage your account online, even if you cannot access a physical branch. However, there's always a branch or ATM near you in our banking regions.
We don't charge maintenance fees for Simple Checking and Peoples Choice Checking accounts. However, if you maintain a monthly minimum balance of $1,000 in your Performance Checking Account, we'll waive the $10 monthly maintenance fee.
Yes, we will open an account for someone as young as 15 if you visit us at a branch! We do not offer online account creation for people under the age of 18. We do require some kind of verification or photo ID when creating the account, and a parent or legal guardian will also be listed until the primary account holder comes of age. If you are not yet 18, please visit your local branch, and a local banker will help you explore your options!
* Speak with a banker about all your overdraft options