Checking Accounts

Checking Accounts

Open your checking account and start enjoying friendly, personal service.

Ready to see what local banking is all about? Bank of Pensacola designed our personal checking accounts with your financial needs in mind. Open a Bank of Pensacola checking account today to experience 5-star service. Learn more about our other great products below.

Compare Accounts – Checking

Account Features Rewards Personal Checking Interest Checking Account E Checking Account
Minimum to open $100 $100 $100
Minimum to maintain $0 $1,000 $0
Earns Interest No Yes7 No
Number of Transactions Unlimited Unlimited Unlimited
Monthly Service Charge $0 to $8.003 $0 to $8.0012 $0 to $8.008
ATM/Debit Card Provided Provided Provided
Online and/or Mobile Banking Required for eStatements Required for eStatements Required for eStatements
Online Bill Payment Provided2, 6 Provided2, 6 No
eStatements Provided10 Provided10 Provided10
ID Theft Protection13 Yes Yes Yes
Paper Statements Available / $4 Service Charge Available / $4 Service Charge No
Direct Deposit Recommended Recommended Recommended (Minimum $500/statement cycle)4
Paper Item Fee None None $.25 per debit or credit over 3 per statement cycle
Cash Back on Signature-Based Transactions 0.25%9 ($.25/$100) No No
Senior Benefit Yes1 Yes1 No
Service Charge Buy-Downs Yes3 No Yes8

1 For customers 65 and older: First order of wallet blue checks is free and paper statement service charge waived.

2 If the bill payment program is not used within any consecutive 3-month period, the program will be deactivated, resulting in a loss of bill payment history and payee information.

3 Waive from $0.00 to $8.00 of the monthly service charge. The monthly service charge is reduced by $2.00 for each banking option you participate in each statement cycle (by using a max of 4 services): Receive direct deposits of at least $1,000/month4, Use debit card 30 times (as a signature-based transaction) during the statement cycle5, Use eStatement delivery, Use online Bill Payment at least one time per statement cycle6, Be 65 or older.

4 The direct deposit must post and clear to the account during the monthly statement cycle to qualify.

5 Transactions will be counted on the date the transaction post and clear to the account, and not necessarily the date you conduct the transaction.

6 Bill Payment debits must post and clear to the account during the monthly statement cycle to qualify.

7 Daily Balance computation method – We use the daily balance method to calculate the interest on your account. This method applies a periodic rate to the daily balance in the account for the period. The period we use is the monthly statement cycle. Please visit the Account Rates page for current interest rates.

8 To waive monthly service charge, account must meet the following criteria: Receive a direct deposit of at least $500 per statement cycle4 AND use ATM/Debit card 30 times (as a signature-based transaction) during the statement cycle5, AND receive eStatements.

9 0.25% cash back on all credit or signature-based debit card transactions on this account credited at the end of the statement cycle.

10 In order to accept and receive electronic delivery, you must have access to a computer or other device with internet connectivity, sufficient storage space, and internet browser capable of 128-bit encryption, software that enables you to view files in the Portable Document Format (PDF) and a valid email address. You must notify the bank if you become unable to meet the above hardware and software requirements.

11 DELIVERY METHODS OF RECEIVING YOUR PERIODIC STATEMENTS. Only one delivery method per account is possible. Enroll in eStatements by clicking the eStatement tab within NetTeller Internet Banking and completing the process. Please contact the bank if you have trouble enrolling.

12 Fee of $8.00 waived with minimum daily balance of $1,000 per statement cycle.

13 Insurance product is not insured by FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.

For more information about our personal checking accounts, contact one of our Customer Service Representatives today at 1-800-874-3121.