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 Safe.SM 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:

  This Account is for you if... Monthly Fee Monthly Statement What Makes It Different

Perks Logo

You want access to our awesome PlantersPerks app which awards you with a package of valuable benefits and protections.

$7
Reduce or eliminate your monthly fee:

$2 off per month with deliverable eStatement.
$5 off per month when you make at least 25 Check Card transactions.

eStatement
(reduces monthly fee)
OR
Paper Statement
  • Access to the exclusive PlantersPerks app with discounts at thousands of local and national retailers and restaurants at your fingertips.
  • Cellphone protection [1]
  • $2,500 Personal Identity Theft Protection [1] [2]
  • 24/7 Emergency Roadside Assistance
  • $10,000 Travel Accident Insurance [1]
  • FREE Checks
Access your benefits 24/7 @ www.plantersperks.com, plus get the App by searching "PlantersPerks" in the App Store or Google Play.
Interest Checking Logo 6-15

You want to earn higher interest in exchange for higher account balances.

$10
Eliminate your monthly fee one of three ways:

$1,500 MDB OR
$10,000 Combined Deposits OR
$20,000 Combined Deposits & Loans

eStatement OR
Paper Statement
  • Tiered Interest [3]
    $1,500 - $9,999
    $10,000 - $24,999
    $25,000 - $49,999
    $50,000 - $99,999
    $100,000+
  • FREE Checks
  • FREE First Year Safety Deposit Box [4]

PaySound Logo 6-15

You never want to face an overdraft fee and want access to a personal line of credit. $15 eStatement OR
Paper Statement

No Overdraft Fees Ever! Plus Access a Personal Line of Credit – up to $1,000 without credit check or up to $5,000 with credit check [5]

Apply for your line of credit 24/7 @ www.paysound.com/plantersbank.
eChecking Logo 6-15 You do most of your banking electronically and want to earn a monthly cash reward. $0. We pay you $2 each month. eStatement

Write up to 5 checks per month [6]

Best Free Logo 6-15 You want a no-frills, no monthly maintenance fee account. $0 eStatement OR
Paper Statement
  • First two NSF Fees Waived
  • FREE First Year Safe Deposit Box [4]

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

 

[1] Cell Phone Protection, Personal Identity Theft Protection and Travel Accident Insurance are subject to additional terms and conditions. Insurance products are not a deposit, not FDIC-insured by any federal government agency, and not guaranteed by the bank. [2] Identity Theft Protection package includes Payment Card Protection, Personal Identity Theft Protection and Identity Recovery and Restoration. [3] Interest paid on entire balance when you maintain a minimum daily balance of $1,500. [4] Small box or credit toward large box, subject to availability. [5] Third-party fees and some restrictions may apply. [6] $.50 fee for each item in excel of 5 per month. [7] Accounts and services must be active for 60 days to receive bonus points. Certain restrictions apply.

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:

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. Learn more about e-Banking.

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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.

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 Privilege 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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