Member FDIC Equal Housing Lender

Consumer Banking Services

We offer a complete line of consumer banking services to support your personal needs. This includes "DreamNet" Online Banking, Consumer Checking Accounts, unique Consumer Savings Accounts, and many Other Consumer Services.

Consumer Checking Accounts

Independence Account

This account has no minimum balance requirements, and no monthly service fees.
$100 minimum opening deposit

Benefits:
** No minimum balance
** No monthly service charge
** Free ATM/Debit card
** Itemized statements each month
** Free “DreamNet” internet access
** Optional “DreamNet” internet bill pay

Sunshine Account

This account is for our customers who are at least 60 years old and want a no service charge account.

No minimum balance required
No monthly service charge
Free Standard Checks (no duplicates)
Free ATM/Debit Card
Free Notary Service
Itemized statements each month
Optional "DreamNet" internet access
Optional "DreamNet" internet bill pay

Student Checking

This account allows parents to actively monitor and teach their students, ages 15-24, all about personal banking responsibilities.

Free account until student reaches age 24
No monthly service charge
No minimum balance required
Unlimited checking transactions
Free ATM/Debit Card
Free "DreamNet" internet access

Liberty Checking

This account is designed for those with high activity who may wish to maintain a defined minimum balance to avoid a service charge, but would also like to earn interest on their account.

Unlimited checking transactions
Interest is paid MONTHLY
Free ATM/Debit Card for the first year
Itemized statement each month
Optional "DreamNet" internet access
Optional "DreamNet" internet bill pay

T-Bill Checking

This is for customers who want the convenience of a checking account but want to earn interest on tiered balances. Interest rates are based on the Treasury Bill Rate. Ask for current rates.

No minimum balance required
Tiered interest rates - Higher balances earn higher interest rates
Interest is paid Monthly
Itemized statements each month
Optional "DreamNet" internet access

Consumer Savings Accounts

Regular Savings Plan

This account is designed for any customer who would like to earn interest on money that they do not need for daily living expenses.

No minimum balance required to earn interest
Tiered interest rates - Higher balances earn higher interest rates
Itemized statement quarterly
Interest is paid quarterly
Optional "DreamNet" internet access

Minor Savings Plan

This account is designed for our minors under the age of 18 years old, whose parents also have a checking account with us.

No minimum balance required to earn interest
Open with as little as $10.00
Tiered interest rates - Higher balances earn higher interest rates
Itemized statement quarterly
Interest is paid quarterly

Other Consumer Services

Call Back Service

OVERDRAFTS AND CHARGE BACKS are no longer a worry because we will call you if either occurs and give you time to come in and cover your checks with our special calling service. You are only charged for this service if we ever call you. It costs you NOTHING to have this service on your account.

ATM and Debit Cards

All of our accounts have 24 hour access with our ATM or Debit Cards. They can be used at thousands of ATMs nationwide. Our debit card also allows you to pay for your purchases without writing a check.

Ready Reserve

With credit approval, we can attach a line of credit to any of our checking accounts. This will cover you if you make a mistake and become overdrawn. The money will automatically advance funds into your account. It also allows you access to a loan anytime by simply writing a check.

Direct Deposit and Automatic Funds Transfers

Pikes Peak National Bank provides direct deposit and automatic funds transfers at NO CHARGE on all of our checking and savings accounts.