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FDIC Deposit Insurance Coverage

Deposits at FDIC insured institutions such as Pendleton Community Bank are insured up to $250,000 per depositor, per depository institution, for each account ownership category.

Click here to use the FDIC 'EDIE the Estimator' deposit insurance calculator, OR click on RATES and FDIC-EDIE the Estimator in the above toolbar. FDIC 'EDIE the Estimator' is designed to help you determine your deposit insurance coverage.

Click “More Info” to learn more about each account.

Account Type Opening Deposit Monthly Service
Charge
Interest
Bearing
Your Rewards Checking
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Info
$50 No Monthly
Service Fees!
Calculated on the daily balance
Freedom Personal Checking
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Info
$50.00* No Monthly
Service Fees!
N/A
Freedom 50 Checking
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Info
$50.00* No Monthly
Service Fees!
N/A
Freedom Business Checking
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Info
$50.00 No Monthly
Service Fees!
N/A
A+ Checking
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Info
$50.00* No Monthly
Service Fees!
N/A
Interest Personal Checking
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Info
$1,000.00 $4.99 if minimum daily ledger balance is below $500. No fee if a CD or Savings Account in same name as checking with a daily balance of $1,000 Calculated on the daily balance of $1,000.00 or more.
Business Interest Checking
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Info
$1,000.00 $4.99 if minimum daily ledger balance is below $500. No fee if a CD or Savings Account in same name as checking with a daily balance of $1,000 Calculated on the daily balance of $1,000.00 or more.
Money Market Account
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Info
$1,000.00 $9.99 if minimum daily ledger balance is below $2,500.00. $9.99 per each debit in excess of 6 per month Calculated on the daily balance of $1,000.00 or more.

YOUR REWARDS CHECKING

  • $50.00 minimum opening balance.
  • No minimum balance required to earn rewards or maintain account.
  • UNLIMITED check writing.
  • Monthly rewards include:
    Premium Annual Percentage Yield (APY) on account balances up to $14,999.99.
    Standard APY on portion of account balances $15,000 and above.
    Nationwide ATM fee refunds.
  • To earn your rewards, just do these simple things each monthly qualification cycle*:
    Have at least 10 check card purchases post and clear your account (does not include ATM transactions).
    Have at least 1 direct deposit or automatic payment post and clear your account.
    Receive statements electronically (eDocuments).
  • If you don’t meet the qualifications, you will earn the Base APY on entire account balance. You will have the opportunity to earn the monthly rewards during the next monthly qualification cycle*.
  • No monthly service charge.
  • Free ATM/Debit card; UNLIMITED use.
  • 24/7 Access to account with . . .
    Telephone Banking
    'Free' Online Banking
    'Free' Bill Pay with UNLIMITED use.

Click Here for current rates.

Minimum to open account is $50. Annual Percentage Yield (APY) accurate as of October 10, 2013. Rate tiers are as follows: 1.01% APY applies to balances of $0.01 - $14,999.99 and 0.10% APY applies to balances $15,000 and above if qualifications are met during the monthly qualification cycle*. 0.01% APY applies to all balances if monthly qualifications are not met. Rates may change after the account is opened. Fees may reduce earnings. ATM Fee refunds provided only if qualifications are met within the monthly qualification cycle*.

*"Qualification Cycle” means a period beginning on the second Wednesday of the month through and including one business day prior to the second Wednesday of the following month.

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FREEDOM PERSONAL CHECKING

  • $50.00 opening balance *(waived with direct deposit).
  • No minimum balance requirements.
  • UNLIMITED check writing.
  • No monthly service charge.
  • Free ATM/Debit card; UNLIMITED use.
  • 24/7 Access to account with . . .

  • Telephone Banking
    'Free' Online Banking
    'Free' Bill Pay with UNLIMITED use.
  • Four (4) free foreign ATM withdrawals each statement cycle (does not include surcharge that may be assessed by another financial institution).
  • Free image statements and binder.

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FREEDOM 50 CHECKING

  • Must be at least 50 years old.
  • 'Free’ first order of specialty checks.
  • $50.00 opening balance (waived with direct deposit).
  • No minimum balance requirements.
  • One time penalty-free CD withdrawal - Maximum of 50% of balance (no penalty for health related withdrawals).
  • Free 3x5 safe deposit box (when available).
  • UNLIMITED check writing.
  • Free ATM/Debit card; UNLIMITED use.
  • Free foreign ATM transactions (does not include surcharge that may be assessed by another financial institution).
  • Free image statements and binder.
  • 24/7 Access to account with . . .

  • Telephone Banking
    'Free' Online Banking
    'Free' Bill Pay with UNLIMITED use.

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FREEDOM BUSINESS CHECKING

  • $50.00 opening deposit.
  • No minimum balance requirements.
  • UNLIMITED check writing.
  • Free ATM/Debit card; UNLIMITED use.
  • 24/7 Access to account with . . .

  • Telephone Banking
    'Free' Online Banking
    'Free' Bill Pay for 3 months - see fee schedule for cost thereafter.
  • No monthly service charge.

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A+ CHECKING

  • $50.00 opening deposit *(waived with direct deposit).
  • No minimum balance requirements.
  • UNLIMITED check writing.
  • No monthly service charge.
  • Free ATM/Debit card; UNLIMITED use.
  • 24/7 Access to account with . . .

  • Telephone Banking
    'Free' Online Banking
    'Free' Bill Pay with UNLIMITED use.
  • Free UNLIMITED foreign ATM withdrawals - balance inquiries included. Does not include surcharge that may be assessed by another financial institution.
  • Free image statements and binder.
  • Complimentary PCB portfolio.
  • Lower interest rate on consumer loans with direct debit.

  • Bank reserves the right to request proof of employment.

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INTEREST PERSONAL CHECKING

  • Interest bearing account. Click below for current rates:
    • Daily balance is more than $999.99 but less than $2,500.00 Click Here.
    • Daily balance is more than $2,499.99, but less than $10,000.00 Click Here.
    • Daily balance is more than $9,999.99 Click Here.
      At our discretion, we may change the interest rate on the account at any time. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded daily and will be credited to the account monthly.
  • $1,000.00 opening deposit.
  • Must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed APY. We use the daily balance method to calculate the interest. This method applies a daily periodic rate to the principal in the account each day.
  • A minimum daily balance of $500.00 or a balance of $1,000.00 maintained in a savings account or certificate of deposit in the same name as the checking account is required to avoid a service charge of $4.99 per month.
  • UNLIMITED check writing.
  • Free ATM/Debit card.
  • Free image statements with binder.
  • 24/7 Access to account with . . .

  • Telephone Banking
    'Free' Online Banking
    'Free' Bill Pay with UNLIMITED use.

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BUSINESS INTEREST CHECKING

  • Interest bearing account. Click below for current rates:
    • Daily balance is more than $999.99 but less than $2,500.00 Click Here.
    • Daily balance is more than $2,499.99, but less than $10,000.00 Click Here.
    • Daily balance is more than $9,999.99 Click Here.
      At our discretion, we may change the interest rate on the account at any time. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded daily and will be credited to the account monthly.
  • $1,000.00 opening deposit.
  • Must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed APY. We use the daily balance method to calculate the interest. This method applies a daily periodic rate to the principal in the account each day.
  • A minimum daily balance of $500.00 or a balance of $1,000.00 maintained in a savings account or certificate of deposit in the same name as the checking account is required to avoid a service charge of $4.99 per month.
  • UNLIMITED check writing.
  • Free ATM/Debit card.
  • 24/7 Access to account with . . .

  • Telephone Banking
    'Free' Online Banking
    'Free' Bill Pay for 3 months - see fee schedule thereafter.
**Funds deposited into interest bearing transaction accounts are limited to coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules. Interest bearing transaction accounts are not eligible for additional unlimited FDIC coverage.

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MONEY MARKET ACCOUNT

  • Interest bearing account. Click below for current rates:
    • Daily balance is more than $999.99, but less than $25,000.00 Click Here.
    • Daily balance is more than $24,999.99 but less than $50,000.00 Click Here.
    • Daily balance is more than $49,999.99 Click Here.
      At our discretion, we may change the interest rate on the account on the first business day of each month. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded daily and will be credited to the account monthly.
  • $1,000.00 opening deposit.
  • Must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed APY. We use the daily balance method to calculate the interest. This method applies a daily periodic rate to the principal in the account each day.
  • Transfers from your account to another account or to third parties by preauthorized, automatic, or telephone transfers are limited to six (6) per statement cycle; with no more than six (6) transfers by check, draft, debit card or similar order (including POS transactions), made by you and payable to third parties per statement cycle. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the Bank.
  • Unlimited transfers to another account within the Bank, provided the transfer is initiated by you in person or at an ATM.
  • Unlimited ATM withdrawals.
  • An excess transaction fee of $9.99 will be charged for each debit transaction in excess of six (6) (withdrawal, check paid, automatic transfer or payment) out of this account per calendar month or statement cycle.
  • A minimum daily balance of $2,500.00 is required to avoid the assessment of a $9.99 service charge per statement cycle.
  • Free ATM/Debit card.
  • 24/7 Access to account with . . .

  • Telephone Banking
    'Free' Online Banking
    'Free' Bill Pay with LIMITED use (per regulation).

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