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Your Money, Your Way
"Personal" is definitely the best way to describe Planters First Bank’s checking accounts. That's because we offer three options, allowing you to choose the one that best fits your very own finances and lifestyle. The power to bank the way you want is in your hands. Each personal checking account comes with a debit card and free digital banking tools that include mobile deposit and bill pay. No matter what your needs, Planters First Bank has a personal checking account that is right for you.
3 Steps to Your New Checking Account
- Choose your account.
- Have these things ready:
- Valid Government-Issued Identification
- U.S. Social Security Number
- U.S. Citizenship or Resident alien status - Fund your account with as little as $100.
| Make Your Move |
Planters CompleteEarn money with a competitive and premium interest rate. |
Planters Round UpTurn your everyday spending into automatic savings—no extra steps needed. |
Planters ChoiceYour checking account should never hold you back, so we built in features that help you handle |
Planters EverydayEveryday banking made simple—so your daily finances stay stress-free. |
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Minimum Opening Deposit |
$100 |
$100 |
$100 |
$100 |
Anywhere
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Round Up SavingsThe round-ups from your debit card purchases are accumulated and transferred daily from your Round Up Checking account to your savings account. |
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Earn Higher Interest on Your Checking BalanceThis is an interest-bearing account in which the interest rate is determined by the account balance tier formula. |
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Monthly Service Charge Fee |
$12 |
$8 |
$8 |
$8 |
Your money goes further when you’re not paying monthly service charge fees.Per Statement Cycle |
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Fee is waived |
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FEES AND CHARGES. Please refer to the separate Fee Schedule, provided to you at the time you open an account, periodically when fees or charges change, and upon request.
1To receive eStatements (electronic statements), the customer must do a one-time enrollment into Planters First Bank’s Online Banking.
2Planters Complete: Terms & Conditions Apply. As of May 8, 2026, the Annual Percentage Yield (APY) advertised is accurate. Interest Rate and Annual Percentage Yield (APY) may change at the Planters First Bank’s discretion. Balances up to $10,000 receive APY of 4.07% and balances over $10,000 earn 0.20% APY. If qualifications are not met, all balances earn 0.20% APY. Interest compounds monthly and credits to the account monthly. Qualifying transactions must be posted to and settled to the account by the monthly statement end date. If the account is closed before interest is credited, accrued interest will not be paid. Fees may reduce earnings on interest checking accounts.