Planters Bank

Mobile Banking PaySound Checking Plan

How does a checking account that never charges an overdraft fee AND provides access to a personal line of credit sound? This checking plan does not require a credit score … can be applied for online in seconds … and be set up in minutes!



Minimum Opening Balance


Monthly Fee


Monthly eStatement OR $5 Paper Statement


  • No Overdraft Fees
  • Access Up to $1,000 Personal Line of Credit 1 – An available loan that requires monthly payments and allows you to re-borrow against the available line.
    • Existing checking customers may apply for an 18% annual percentage rate (APR) self-directed credit line up to $1,000 with no credit score. 2
  • Apply Online 24/7 – The online signup process can be completed quickly and funds are available within three business days.
  • 2,500 uChoose Points – Awarded when you open a new Planters Bank Checking Account 3
  • No Minimum Deposit Account Balance Required – Open with a $100 minimum opening balance; no minimum balance requirement after account opening.
  • Checking Account Extras
  • ID Theft Aid
  • Re-Order Checks

Apply/Login Compare Accounts Info Request Bank Offices

Third-party fees and some restrictions may apply.
Subject to credit approval and having an existing Planters Bank checking account open 96+ days.
Accounts and services must be active for 60 days to receive uChoose bonus points. Additional points available when you sign-up for eStatements or Online Bill Pay and on your anniversary date.