Second Chance Checking

This allows you to withdraw your money at any ATM, or write checks for your payments and purchases. This process will also allow you to access your paycheck whenever you need it and avoid hunting for a check cashing vendor that will charge you a fee to cash it. If you choose not to enroll in direct deposit, you can simply mail or transfer funds to your checking account anytime and utilize your MasterCard debit card or checkbook. Your MasterCard debit card is covered by MasterCard Zero Liability* for fraudulent use and your Second Chance Checking Account is FDIC insured up to $250,000.

The benefits of a checking account are endless. From the safety of not carrying cash to having a canceled check as proof of payment, having a Second Chance Checking Account gives you options. How many times have you opened your wallet only to discover there’s no cash? Your personal checkbook is a convenient way to access and spend your money even when your spouse or kids have emptied your wallet.

Establishing credit can be difficult without a checking account. Whether it’s a house, car or other means of credit you hope to attain, a well-maintained checking account is essential to obtaining credit and overcoming bad credit.

Paying bills in person with cash is a hassle. The traffic to get to your location and the long lines are reason enough to use checks to pay your bills. With a checkbook you can pay your bills through the mail and take back your time.

Does it seem like your cash goes much faster than you want it to? Having a checking account and using checks can help you budget your money and stretch your payday further. A checking account allows you to record and see where your money goes after payday. These allow you to better budget your expenses and income, as well as have a proof of payment when you pay bills. Checks are also available with carbonless copies of the original check, making it even easier to know exactly where your money went.

To qualify, you must actively maintain and manage your Second Chance Checking Account for 30 consecutive days. Once you have done so, your checking account will be reviewed and Peoples Bank will let you know when you have been approved. Once approved, you may then schedule payments to be made to companies and individuals on a one-time or recurring basis by logging into Peoples Free EZ Bill Pay. Simply follow the instructions or contact customer service for assistance.

While some customers may be concerned with the security of online banking, you can rest assured that online banking with Peoples Bank is a secure, less expensive, and easy way to do your banking. Our secure online banking utilizes special encryptions, firewalls, and virus detection programs to keep your personal data safe.

The benefits you receive from online banking are endless. Online bill pay eliminates the hassle of searching for stamps or standing in line, while helping to assure that you pay your bills on time avoiding late fees. Online banking also gives you the ability to transfer funds quickly between accounts or simply check your checking account balance with the click of a mouse. Who wants to wait until the end of the month to view your statement? With online banking, you have 24-hour access to your statement right at your fingertips in which you can review your transaction history as well as search for particular transactions. Other benefits include the ability to reorder checks online as well as talk live to a customer service representative, should you have questions regarding your Second Chance Checking Account.

Take advantage of this time- and money-saving tool offered to you as a Peoples Cash Solutions customer today!

Peoples Bank checking account holders have the option of obtaining a separate account or ATM card for other family members. Through Peoples Bank Internet Banking or Free EZ Bill Pay, account holders can easily transfer funds to these additional accounts without added expense. Transfers may be set up on a recurring basis.

If you have a direct deposit tied to your Second Chance Checking Account, you may qualify for up to $500 of ODP. You must manage this as your active bank account to take advantage of this feature. Overdraft Protection^ is a discretionary service and Peoples Bank reserves the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts. ODP will not be added to your account until you have maintained a satisfactory account for a minimum of 30 consecutive days. Peoples Bank will notify you by mail, if you qualify for discretionary overdraft protection. If you are low on money and need extra cash to cover your emergencies, you may simply swipe your MasterCard debit card at the merchant, make an ATM withdrawal, or write a check, and the bank will automatically cover the balance up to your designated limit. If your balance is low, the smartest and cheapest way to use ODP is to withdraw your full limit, so you will only be charged one ODP fee of $25. The $25.00 is a per-item fee for overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means. You pay the bank back when your next deposit hits your account. If you do not restore your overdrawn account to a positive balance within 30 days, your participation in the ODP program may be terminated.

View Examples