Personal Checking/Money Market

Checking

Prairie Community Bank offers several checking accounts to meet your needs - from the streamlined Simply Checking Account to our comprehensive Secure Choice Checking and interest-bearing Let's Grow Earnings Checking accounts. All of our Personal Checking Account products are designed to deliver the features and accessibility to meet your unique individual requirements.

Account	Let's Grow Earnings	Let's Grow Rewards	Simply Checking	Secure Choice
Product Benefits	HIGH EARNINGS! A Free, variable rate checking that rewards accountholders with nationwide ATM withdrawal fee/surcharge refunds each time account qualifications are met during a Monthly Qualification Cycle.	REWARDS! A Free, variable reward checking that rewards accountholders with nationwide ATM withdrawal fee/surcharge refunds and cash back on their debit card purchases each time account qualifications are met during a Monthly Qualification Cycle.	STREAMLINED! No minimum daily balance requirement or monthly service fees. Checking statements and images available online. Paper Statement fee is waived for those aged 60+ years.	COMPREHENSIVE! No minimum daily balance requirement. Identity theft , monitoring and resolution. Cyber Recover Support. Discounted Prepaid Debit Cards and Retail Cards. Check images available online.
Rates	See Rate Sheet	N/A	N/A	N/A
Minimum Daily Balance	$0	$0	$0	$0
Monthly Service Fee if Minimum Daily Balance is not met	$0	$0	$0	$0
Minimum Opening Deposit	$50	$50	$50	$50
Paper Statements	$0	$0	$3	$0
Available Digital Banking Tools: Online Banking Bill Pay* Mobile Banking Mobile Deposit Telephone Banking eStatements Debit Card* Zelle®*

*Restrictions may apply

LET'S GROW EARNINGS

$50.00 initial opening deposit
No minimum balance requirement
No monthly service fee
Interest paid monthly
Free Online Banking and Bill Pay
Free Mobile Banking with Mobile Deposit
Free Telephone Banking
Free eStatements
Free Prairie Debit Card
Free Bank-owned ATM Access and Allpoint ATMs
Free online, text and Email Alerts
Zelle®

How can I make deposits to my account?

Currently you may make deposits using the following channels:

Branch lobby
Online Banking transfer
US Mail
Wire Transfer
ACH (Automated Clearing House)
Mobile Capture
Night Drop

How can I access the money in my account?

Use a Prairie Debit Card or check for purchases or payments
Use your Prairie Debit card at an ATM to get cash
Request cash back when using your Prairie Debit card at a store
Use Free Online Bill Pay for making payments
Visit a branch to request a cashier's check or wire transfer
Make a withdrawal from any one of our branches
ACH (Automated Clearing House)
Zelle®

Qualification Information

To earn your account(s) rewards, the following enrollments must be in place, and all transactions and activities must post and settle to your account during each Monthly Qualification Cycle:

At least one (1) direct deposit/ACH Credit or ACH Debit transaction
At least twelve (12) debit card purchases (POS)
Be enrolled into and have agreed to receive eStatements rather than paper statements

Reward Information

When your account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $15,000 in your account earn an interest rate of 4.8889% resulting in an APY* of 5.00%; and daily balances over $15,000 earn an interest rate of 0.2497% on the portion of the daily balance over $15,000, resulting in a range from 5.00% to 0.87% APY depending on the account’s daily balance.

You will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees incurred during that Monthly Qualification Cycle.

When your qualifications are not met, cash back payments are not made, nationwide ATM withdrawal fees are not reimbursed and the entire daily balance in your account earns 0.05% APY.

Let's grow rewards

$50.00 initial opening deposit
No minimum balance requirement
No monthly service fee
Free Online Banking and Bill Pay
Free Mobile Banking with Mobile Deposit
Free Telephone Banking
Free eStatements
Free Prairie Debit Card
Free Bank-owned ATM Access and Allpoint ATMs
Free online, text and Email Alerts
Zelle®

How can I make deposits to my account?

Currently you may make deposits using the following channels:

Branch lobby
Online Banking transfer
US Mail
Wire Transfer
ACH (Automated Clearing House)
Mobile Capture
Night Drop

How can I access the money in my account?

Use a Prairie Debit card or check for purchases or payments
Use your Prairie Debit card at an ATM to get cash
Request cash back when using your Prairie Debit card at a store
Use Free Online Bill Pay for making payments
Visit a branch to request a cashier's check or wire transfer
Make a withdrawal from any one of our branches
ACH (Automated Clearing House)
Zelle®

Qualification Information

To earn your account(s) rewards, the following enrollments must be in place, and all transactions and activities must post and settle to your account during each Monthly Qualification Cycle:

At least one (1) direct deposit/ACH Credit or ACH Debit transaction
At least twelve (12) debit card purchases (POS)
Be enrolled into and have agreed to receive eStatements rather than paper statements

Rewards Information

When your account qualifications are met during a Monthly Qualification Cycle, you will receive 5.00% cash back on up to a total of $200.00 debit card purchases that post and settle to the account during that cycle period. A maximum of $10.00 cash back payments may be earned per Monthly Qualification Cycle.

You will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees incurred during that Monthly Qualification Cycle.

When your qualifications are not met, cash back payments are not made and nationwide ATM withdrawal fees are not reimbursed.

SIMPLY CHECKING