Personal Banking Products & Services
Sometimes you need access to your money quickly and sometimes you want it to sit in an account and earn interest. PPNB provides convenient services that allow you to manage your money in the way that works best for YOU.
Certificate of deposit
Earn higher interest rates in return for a time-limited deposit. PPNB offers 30-day, 90-day, 6-month, 12-month, 24-month, and 36-month certificates. We are happy to provide our current rates upon request.
Money market account
Earn higher interest rates on your deposit account with access to your funds when you need them. PPNB’s Money Market account pays higher interest than a checking or savings account and allows up to 6 withdrawals a month by check or in person. Interest rates are tiered and we are happy to provide our current rates upon request.
Create an emergency fund or save for other events with a PPNB savings account. Savings accounts can be tied to your checking account for overdraft protection. We are happy to provide our current rates upon request.
Call Back Service
Everyone makes mistakes and PPNB’s Call Back Service allows you to fix them before they cause problems. If you overdraw your account, a bank representative will contact you first thing in the morning. Deposits made before 12 pm on the day of the overdraft will protect you from returned checks. This service has a $5 fee when used and costs nothing if not used.
Overdraft Lines of Credit can be linked to your account to prevent returned items and account overdrafts. Money is moved in increments of $100 from your overdraft line of credit to your account. Interest is charged on the line of credit and the amount drawn can be paid back over time. Favorable credit review is required. 18% APR.