Planters Bank

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Identity Theft Protection Now at Work on All Planters Bank Checking Accounts

Planters Bank is committed to helping protect you from Identity Theft Protection with ID SafeSM. We are pleased to provide our basic ID SafeSM protection to all Planters personal checking account holders as a free, value-added benefit.

Every Planters Bank Checking Account includes these services:

  Monthly Fee Check Writing Interest Extra Features
Total Checking $7 Unlimited No
  • Free Standard Checks
  • $10,000 Travel Accident Insurance(2)
  • Emergency Travel Assistance
  • Dining, Travel and Shopping savings
  • Pharmacy Savings Program
  • Vision Savings Program
  • Hearing Savings Program
  • Up to $2,500 Identity Theft Protection(3)
Preferred Interest Checking $15
Monthly fee waived with:
  • $1,500 MDB or
  • $10,000 combined deposits or
  • $20,000 combined loans & deposits
Unlimited Tiered Interest(4)
  • Free Designer Checks
  • Free Safe Deposit Box (for customers w/deposits $50,000+)
  • Up to $1,000 Identity Theft Protection
Prime 50 Interest Checking $8
Monthly fee waived with:
  • $1,000 MDB or
  • $5,000 combined deposits
Unlimited Tiered Interest(4)
  • Free Designer Checks
  • First Year Free on New Safe Deposit Box (6)
  • Bonus Interest Rates on Select CDs
  • Up to $1,000 Identity Theft Protection
E-Checking We pay you! 5 paper checks per month(5) No
  • We deposit $2 per month into your account
  • Up to $1,000 Identity Theft Protection
Best Free Checking No Unlimited No
  • First Two Non-Sufficient Funds (NSF) Fees Waived(7)
  • First Year Free on New Safe Deposit Box(6)
  • Up to $1,000 Identity Theft Protection

$100 minimum opening deposit required to open any personal checking account.

 

(1) Accounts and services must be active for 60 days to receive bonus points. Certain restrictions apply.

(2) You’re protected with $10,000 Travel Accidental Death Insurance when you travel by automobile or licensed common carrier (scheduled airline, bus, taxi, and train).

(3) Identity Theft Protection package includes Payment Card Protection, Personal Identity Protection, and Identity Recovery and Restoration.

(4) Interest paid on entire balance when you maintain a minimum daily balance of $1,500. Interest rate subject to change.

(5) $.50 fee charged for each check in excess of 5 per month.

(6) Small box or credit toward larger box, subject to availability.

(7) Fees apply thereafter. Planters Bank reserves the right to pay or return the check.

Standard deposit insurance has been permanently raised to $250,000 per depositor per account category.

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ID SafeSM – Planters Bank is dedicated to helping protect you from identity theft with ID SafeSM. According to the Federal Trade Commission, almost half of the reported consumer fraud involves some form of identity theft - and the numbers are growing. Planters Bank is pleased to offer basic ID SafeSM protection to all personal checking account holders at no additional charge, which includes Payment Card Protection, Personal Identity Protection, and Identity Recovery and Restoration.

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Payment Card Protection is a valuable service that gives you and your family the tools you need to defend yourself against identity fraud by:

Personal Identity Protection allows us to ease your burden if your identity is ever stolen:

Identity Recovery and Restoration will help guide your recovery:

Identity Guard® Monitoring Service is a valuable credit monitoring service that is provided to all personal checking customers – Free for 6 Months! There’s no catch, no automatic continuation and no surprise fees. It’s free for six months and easy to enroll. After six months, you can choose to continue Identity Guard® for $4.99 per month. So sign up today.****

**** Requires active e-mail account/address. IDENTITY GUARD® Your Best Chance of Never Becoming a VictimSM Serviced by Intersections Inc., protecting 7 million customers worldwide.

Online Banking with Bill Pay – Bank any time on your schedule, not ours - view statements, check account balances, pay bills and view loans, transfer funds from one account to another. Click here to learn more!

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Mobile Banking – Access accounts from anywhere to check balances, recent transactions and transfer funds. Log on securely from your cell phone with Internet access. Available with any personal checking account. Learn about our newest mobile product, iDeposit Mobile. In a snap. It's in the bank!

E-Statements – Experience greater convenience and easier record keeping when you receive your monthly statement electronically. Available with any personal checking account.

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Visa® Check Card with UChoose Rewards®– Use your check card anywhere Visa® is accepted and earn UChoose Rewards® points with every signature-based card transaction. Avoid the hassles of writing checks and accumulate points redeemable for travel, merchandise or CASH!. You shop. You earn. You choose. It’s that simple. Say goodbye to waiting forever to earn enough points to redeem. Visit www.uchooserewards.com to register. You’ll also find a detailed list of where you’ve shopped and what you’ve earned, an online catalog of redemption options, a Wish List, and much more!

Photo Security – for added security, include your photo on your Visa® Check Card. It’s free, easy and available on all Planters Visa® Check Cards.*****

***** Visa® Check Card and VISA® Check Card with Photo Security is subject to approval.

Using Your Debit Card Internationally

Overdraft Privilege - Having a check returned due to insufficient funds can be a costly experience. With Overdraft Privilege, you’ll have the peace of mind knowing you have an extra level of protection against account reconciliation errors, unanticipated cash flow emergencies, or other unintended overdrafts. Other overdraft protection options include having funds transferred from a line of credit or other designated account to your checking account to cover payment when an unexpected overdraft occurs.******

Overdrafts can be created by: checks, ACH transactions, in-person withdrawals, Internet banking, preauthorized automatic transfers, telephone banking, ATM******, or everyday debit card****** transactions, and will result in a fee of $37 per item paid or returned. Accounts will be charged an overdraft per day fee of $5 after the account has been negative for 4 days.

Planters Bank does not encourage overdrawing your checking account. Overdraft Privilege is a non-contractual courtesy available to personal checking accounts in good standing and is subject to approval.

****** Overdraft Privilege is subject to approval. When we pay overdraft items customers will be charged our normal NSF-item paid fee for each item presented. You must bring your account to a positive balance within a 30-day period. Whether overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if the account is not in good standing, if the customer is not making regular deposits, or if the customer has too many overdrafts.

****** Overdraft Privilege will only be available for ATM and everyday debit card transactions if you authorize the Bank to pay those transaction types (see ATM/Debit Card Consent Form).  If you authorized Overdraft Pribilege for ATM transactions, please verify your balance before initiating an ATM withdrawal.

Tips on Avoiding Overdrafts - The following tips can help you manage your account wisely to avoid overdraft situations.

ATM Banking – Use your Planters Bank Visa® Check Card to withdraw cash and access your account information at any Planters Bank ATM, plus thousands of other machines nationwide.

Telephone Banking – Available 24/7, Planters Bank Telephone Banking keeps you in touch with your accounts; transfer funds between accounts, get up-to-date account information and receive valuable information about Planters Bank products by calling toll free 877-792-4078.

Wire Transfers - Send or receive funds from anywhere in the world. Restrictions and fees may apply.

Safe Deposit Box – Consult your nearest Planters Bank office for information on availability, restrictions and fees.

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