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Personal Banking

At Pelham Banking Company, community involvement is not part of our job...it is who we are! Our employees are local people, serving in the community in which they love.

We work hard to provide you with all the products and services you want and need. From checking accounts to retirement accounts, PBC has you in mind. Take a look at all the great products and services we offer.

CHECKING

PBC Basic Checking
PBC's Basic Checking avoid monthly service charges and per check/debit charges by maintaining a minimum daily balance of $500 during the statement cycle and the monthly fee of $7 and the $.25 per check or debit fee will not be assessed. Minimum deposit to open is $100.

PBC Hometown Advantage
PBC's Hometown Advantage checking account offers unlimited check writing and debit card transactions for a low monthly maintenance fee $8 . Minimum deposit to open is $100.

PBC Direct Advantage
PBC's Direct Advantage checking account offers unlimited debit card usage and allows 10 checks per month with no per check charge. Checks in excess of 10 will have a $0.25 per check charge and you can avoid the monthly maintenance fee of $8 with a monthly direct deposit. Minimum deposit to open is $100

PBC Advantage NOW Account
PBC's NOW Account offers the best of both worlds - unlimited checking writing capabilities and savings account earning potential. A monthly maintenance fee of $8 and the $.25 per check or debit fee will not be assessed when a minimum daily balance of $1000 is maintained. Minimum deposit to open is $1000.

PBC Senior Advantage
PBC's Senior Advantage checking account was designed especially with those 62 years of age and over in mind. It features unlimited debit card usage and allows 10 checks per month with no per check charge. Checks in excess of 10 will have a $0.25 per check charge and you can avoid the the excessive check fee by maintaining a minimum daily balance of $500. Minimum deposit to open is $100.


Savings

PBC Regular Savings Account
PBC's Regular Savings Account allows you to start small and save big for the future. Avoid a quarterly maintenance fee of $5 by maintaining a minimum daily balance of $100. Three withdrawals are allowed per quarter. A $5 fee will be charged for each additional transaction. Minimum deposit to open is $100.

Christmas Club
PBC's Christmas Club Account allows you to start saving now for all your holiday expenses. No monthly maintenance fees and no minimum deposit. Checks are mailed in November just in time for all your year-end expenses. Premature withdrawals from your Christmas Club account will be considered a closing withdrawal and a $20 fee will be assessed.

PBC Personal Money Market Account
PBC's Personal Money Market Account offers a tiered interest schedule, easy account access, and limited check writing privileges. Avoid a monthly maintenance fee of $8 by maintaining a minimum daily balance of $2500. Minimum deposit to open is $2500.

Certificate of Deposit
PBC offers a wide variety of CD's with flexible terms ranging from 91 days to 5 years at competitive rates. Interest can be compounded, paid to depositor by check, or credited to a checking or savings account. A penalty will be assessed upon early withdrawal. Advertised rates are subject to change daily. Minimum deposit to open is $1000.

Individual Retirement Accounts
PBC has a number of IRA accounts to help meet the needs of customers planning for their retirement future. All interest is tax deferred until date of withdrawal. A penalty will be assessed upon early withdrawal. Advertised rates subject to change daily.

Pelham Banking Company
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NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS

By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor's accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category. For more information about FDIC insurance coverage of noninterest-bearing transaction accounts, visit http://www.fdic.gov/deposit/deposits/unlimited/expiration.html

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