FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Planters Bank & Trust Company

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Preferred Checking
Preferred Checking makes it simple to keep your finances safer and take advantage of smart discounts on financial services, and we have new features for you!
  • ID Protect®-our identity theft monitoring and resolution service1
  • Cell Phone Protection-up to $600 of replacement or repair costs2
  • $6 monthly fee (assessed each statement cycle) & $50 minimum opening deposit
  • Complimentary Planters Bank logo checks
  • Unlimited check writing
Time Deposits 1 - 5 Year Maturities
Save for short or long-term goals.
  • 1 Year - 2.02% APY;  2 Year - 2.02% APY
  • 3 Year - 2.01% APY;  4 Year - 1.86% APY;  5 Year - 1.61% APY  
  • $500 - Minimum Opening Deposit
1 Year Term
Essential Checking
No minimums. For fast access to your cash.
  • Free Monthly E-Statement
  • Free Debit Card
  • Free Internet Banking with bill pay.  Bill pay is free as long as your make one bill payment per month.  Otherwise you will be charged $5.00 per month if no bill pay activity.
  • If you choose to receive a mailed paper statement, you will be charged $3.00 per mailed statement.
  • No minimum balance to maintain.
Boost Checking
Our Boost Checking account will provide you with the interest you want and the service you expect.
  • $8 service charge if the balance falls below $1000
  • Unlimited check writing
  • Free internet banking
  • Free VISA debit card
  • Free access to Planters Mobile App
  • 0.45% APY Balance >= $100,000
  • 0.35% APY Balance $25,000-$99,999
  • 0.25% APY Balance $10,000-$24,999
  • 0.20% APY Balance $1,000-$9,999
Time Deposits Maturing < 1 Year
Save for your short term goals
  • 1 Month - 2.02% APY
  • 2 Month - 2.02% APY
  • 3 Month - 2.02% APY
  • 6 Month - 2.01% APY
  • $500 - Minimum Opening Deposit
1 Month CD
Opportunity Checking
A great account that provides the services you need.
  • $25 Minimum opening deposit
  • $5 Monthly service charge (assessed each statement cycle)
  • Free Planters Bank Official Checks
  • Free internet banking
  • Free VISA debit card
High Yield Money Market Account
Our High Yield Money Market Account is now available for personal and business customers.
  • Unlimited withdrawals if done in person, by mail, by messenger or at an ATM
  • Minimum Opening Deposit: $25,000
  • $10.00 service charge only if debits/withdrawals exceed 6 per month
  • Monthly Transfers: Limited to six per month
  • Free online banking
  • Free Planters Bank Mobile App
  • Minimum balance to avoid $12.00 service charge: $10,000
Basic Savings Account
Our Basic Savings Account is a great way to start a savings habit. Your Planters Bank Visa debit card can be linked to a savings account if you have a personal checking account. The interest rate for this account is determined at the bank’s discretion. The interest rate and corresponding annual percentage yield are subject to change at any time. Interest will be credited and compounded quarterly.
  • Withdrawal fee of $3.00 for withdrawals in excess of 9 per quarter
  • Minimum Opening Deposit: $100.00
  • Quarterly Service Charge:  $8.00 quarterly service charge
  • Minimum Balance to Avoid Service Charge: $250
Money Market Account
Our money market account provides a competitive interest rate while allowing immediate access to funds. Interest is accrued on a daily collected balance and is credited and compounded monthly.
  • Minimum Opening Deposit: $500
  • Monthly fee: $6
  • Minimum balance to avoid service charge: $500
Achievement Checking
Earn an attractive interest rate and enjoy foreign ATM fee refunds when criteria are met.
  • Free Monthly E- Statment. If you choose to receive a mailed paper statement, you will be charged $3.00 per mailed statement.
  • Free Debit Card
  • Free Internet Banking with bill pay. Bill pay is free as long as you make one bill payment per month.
  • Incentives:
  • Earn 5% on the first $20,000 (standard MM rate for balance over $20,000). Foreign ATM withdrawal fee refunds (up to 10 foreign ATM withdrawals).
  • Criteria:
  • Must be enrolled in E-statements. Must have at least one ACH debit or credit posted and settled per statement cycle. Must have at least 12 debit card purchases posted and settled per statement cycle.
Student Checking
A great account for students to begin their banking journey.
  • $25.00 Minimum opening deposit
  • No statement mailing fee
  • No monthly service charge
  • Complimentary first book of checks if requested
  • Free eStatement
  • Free Planters Bank Debit Card
  • Free Online Banking
  • Free Mobile Banking and Mobile Deposit
  • Age requirements to open: 15-25 (parent/guardian required under 18)
  • No Overdraft Privileges