Savings

	Z-Club (for under 18)	Prime	Peoples Money Market
Minimum Opening Deposit	$5	$100	$10,000
eStatements	Free	Free	Free
Online Banking	Free	Free	Free
Requirement to Waive Monthly Maintenance Fee	No maintenance fees¹	$100 minimum balance	$10,000 minimum balance
Monthly Maintenance Fee (if requirements above are not met)	None	$1.00	$14.95
Interest	Tiered²	Tiered²	Tiered²
Transaction Limitation	3 free withdrawals per month³, $0.25 for each additional withdrawal	3 free withdrawals per month³, $0.25 for each additional withdrawal	6 restricted transactions per month³, $10.00 for each additional restricted transaction
ATM Transactions	None	Free at MoneyPass ATMs^4,5	None
Check Order Discount	Free deposit and withdrawal slips⁶	Free deposit and withdrawal slips⁶	Free wallet – style specialty checks⁶

¹Primary account holder must be under 18 years of age, with an adult as a joint account holder.
²Refer to the Peoples Bank deposit rate sheet for current rates, compounding and crediting, and other balance information.
³Federal regulations require banks to limit the way withdrawals may be made from a savings or money market account. Preauthorized withdrawals (transfer by telephone, wire or PC, overdraft protection, or automatic payments) and transfers or withdrawals by check or similar order payable to third parties are limited to a combined total of six per month. If withdrawal limitations are exceeded three times in 12 months, the account will be closed or converted to a checking account.
⁴$3.00 transaction fee for each transaction at an ATM outside of the MoneyPass network. The ATM owner outside the MoneyPass network may also apply a surcharge.
⁵ATM card only available with a checking account in the same name.
⁶Orders must be placed with Peoples Bank to receive a discount.

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Charter Office

234 East First Ave,
PO Box 592
Cambridge, MN 55008
763.689.1212