Freedom Checking

A great option for most folks, this is our most popular checking account.

  • $100.00 Minimum Opening Deposit
  • Unlimited check writing
  • Unlimited FREE ATM Transactions on P&C Bank-owned ATM machines
  • No service charge with daily $4,000.00 minimum balance
  • Only $6.00 monthly charge if daily balance falls below $4,000.00
    But we’ve made it even easier to avoid or reduce the service fee by:
    • Having 30 debit card swipes each month to reduce the service fee by $3.00
    • Enrolling in e-Statements to reduce the service fee by $1.50
    • Enrolling in direct deposit with an aggregated monthly deposit amount of $250 or more to reduce the service fee by $1.50
  • No "per Check" charge
  • Monthly statements with Images
  • 'No annual fee' VISA Debit Card available
  • Eligible for Bounce Protection – Bounce Protection Policy
  • Mobile Banking with Remote Deposit
  • Internet Banking and Bill Pay
  • Telephone Banking
  • Person to Person (P2P) Payments
  • Identity theft protection with credit file monitoring:
    • Help better protect yourself and your joint account owners with IDProtect identity theft monitoring and resolutions service that includes credit file monitoring and alerts of key changes with Equifax, Experian, and Transunion
    • Ability to request a 3-in-1 credit report
    • Up to $10,000 in identity theft expense reimbursement

  • Protection from the unexpected: Receive up to $10,000 of 24-hour Accidental Death & Dismemberment Insurance

This insurance product is not a deposit; not FDIC insured; not insured by any federal government agency; and is not guaranteed by the financial institution/affiliate.

  • Debit Advantage: Receive Buyer’s Protection and Extended Warranty for items purchased with this account.
  • Cellular Telephone Protection: Receive up to $300 of replacement or repair cost for damaged or stolen phones (Cellular telephone bill must be paid using eligible account)
  • Health Discount Savings: Enjoy savings on vision, dental service, and prescriptions. THIS IS NOT INSURANCE (registration/activation required)
  • $hopping RewardsTM : Earn cash rewards when you shop online at dozens of your favorite retailers (registration/activation required; available online only)
  • Travel and Leisure Discounts: Save big with deep discounts at thousands of local and national businesses (available online only)

Customers who keep a daily balance of $1,000 or more and want to earn interest on their checking without all the perks of the Freedom Checking should check out our Freedom Elite Checking account.