FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Checking

Checking That Fits Your Life.

Service That Feels Like Home.

At Peoples Trust Company, checking is designed to be simple, convenient, and personal. We offer checking account options for Vermonters at different stages of life, backed by local service from people you can reach when you need help.
 
Whether you're opening your first checking account, managing a busy household, or simply looking for a local bank that still knows your name, PTC combines convenient digital banking tools with the personal service of a Vermont community bank.
 
With five branches in Franklin County and local support just a phone call away, you can bank the way that works for you while knowing there's a real person nearby when you need one.
 

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Every PTC Checking Account Includes:

Checking Account Features

Compare Checking Features (Rate Table)

Feature

Personal
Connection		Personal
Connection with Interest		Health Savings Account (HSA)
Minimum To Open$25$25$0
Minimum Balance to Earn InterestN/A$10,000N/A
Minimum Balance to Avoid Maintenance ChargeN/AN/AN/A
Monthly Maintenance Charge*$6$6$0
Earns InterestNoYes**Yes
Peoples Trust Company VISA® Debit CardYesYesYes
Online Banking, Mobile Banking, Bill Pay, eAlerts, Telephone Banking, eStatementsYesYesYes
Apple Pay®, Google Pay®, Samsung Pay®YesYesYes

* Monthly Credits will not exceed Monthly Maintenance Charge.

** You must maintain the minimum balance each day in your account to obtain the disclosed APY. Interest rate and annual percentage yield may change at any time. Interest will be compounded every month and credited every month. We use the daily balance method to calculate interest on your accounts. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit noncash items (for example, checks).

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Ways to Reduce or Eliminate Maintenance
Charge for Your Checking Account

Free account if you are under the age of 22 or over 62 years.*
Free if you keep $100,000 or more** in another PTC deposit account.
$2 waived if you enroll in eStatements.
$2 waived if you receive Direct Deposit.
$2 waived if 10 or more VISA® Debit Card POS transactions post per month.

* If you are under the age of 22, Maintenance Charge is waived for Personal Connection Checking. If you are over the age of 62, Maintenance Charge is waived for Personal Connection with Interest checking account.
** The other deposit account(s) must have the same primary account holder name. Please consult the Terms and Conditions section of your Understanding Your Deposit Account Disclosure for details.

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