Checking

Whether you prefer an account with no monthly minimum balance or would rather enjoy the flexibility of unlimited check-writing and the ability to earn interest, we have a checking account to meet your individual financial needs. As an added bonus, Online Banking, Online Bill Pay, MasterCardTM Debit Card1, and our PB Mobile app are all available at no cost for any personal checking account.

To make your choice easier, take a minute to explore our detailed Personal Checking Comparison.

 Personal Checking Comparison

Product

Progressive Lite Checking

Regular Checking

Interest Checking

Treasury Rate Checking

Availability

Individuals Only

APPLY ONLINE

 

Individuals and Non-Profit Organizations

APPLY ONLINE

(Individuals only)

Individuals and Non-Profit Organizations

Individuals and Non-Profit Organizations

Minimum to Open

$100

$100 

$1,500 

 $5,000

Monthly Service Fee2

 $0

$800 and Above

No Fee

$500-$799.99

$8.00

$350-$599.99

$9.00

Below $350

$10.00

$1,500 and Above

No Fee

Below $1,500

$12.00

$5,000 and Above

No Fee

Below $5,000

$25.00

Per Check Fee

No Per Check Fees

First 15 checks/non-electronic withdrawals each month are at no cost 

$.12/each after first 153
No fee for electronic transactions

No Per Check Fees for balances of $5,000 and Above
Below $5,000 $.20/check
No fee for electronic transactions

Interest

 

 

Checkmark


Minimum Balance to Earn Interest: $1,000.00

Checkmark

Tiered
Minimum Balance to Earn Interest: $5,000.00

e-Statements

Required
$3.00 / month Paper Statement Fee

Recommended

ATM Transactions

Checkmark

No Per Transaction Fees at Progressive Bank ATMs

Overdraft Privilege4

$500.00

$800.00

$1,500.00

Extras

 

 

 

Free Treasury Rate Checks

1Debit Card pending approval.   2Monthly Service Fees based on account minimum balance.  3Per Item Fee Waived for Regular Checking accounts with average daily balance of $1,500 or more; Interest Checking accounts with average daily balance of $2,500 or more. 4Overdraft Privilege pending approval. NSF/OD charges (currently $35.00) & other auxiliary fees may apply. Overdraft Fees would apply to overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means. To maintain Overdraft Privilege, account balance must be positive for at least one day in any 30 day period.  We may not pay your overdraft if you have not Opted-In for all transaction types or if you do not have sufficient available Overdraft Privilege to cover the amount of the overdraft and any associated fees.

Information Required to Open an Account With Us

To make the account opening process as quick and easy as possible, here are some hints regarding information you must provide and items you will need to bring with you to open an account with us.  Much of this information is required as part of the USA Patriot Act.

  • Names of all account owners
  • Dates of Birth for all owners
  • Address -- MUST be a physical street address (no P.O. Boxes)
  • Identification Numbers for all owners -- generally your Social Security Number of Taxpayer ID Number
  • Additional Identification (need at least one Primary and one Secondary)
    • Primary Identification for each owner -- Current Driver's License or State-Issued ID with photo
    • Secondary Identification -- Social Security Card, Voter's Registration, Birth Certificate, Student ID, Insurance or Hospitalization Card, Company ID, Vehicle Registration, Utility Bill
    NOTE:  If your physical address is different than the address on your Primary Identification, the Secondary form of identification MUST reflect your current address.  For example, your Driver's License may still have your previous address but you have a Utility Bill that's being mailed to your current address.  This Utility Bill must have your Name on it.     

 

Overdraft Alternatives

We have several alternatives available to you to cover your occasional inadvertent overdrafts.  You will want to review this important information about the choices available to you regarding how we handle overdrafts on your Progressive Bank Personal Checking account.

Progressive Overdraft Privilege

With Progressive Bank Overdraft Privilege, we may authorize debits to your account (up to the approved limit for your checking account type) when you happen to overdraw your account, depending on the types of transactions you have authorized us to cover*.  There is no fee to enroll in Overdraft Privilege but our usual Paid Overdraft Item Fee (currently $35.00) will apply for each item covered through Progressive Bank Overdraft Privilege.  

NOTE:  We will limit the number of Paid Overdraft Item Fees we will charge per day to six per account. Also, we will not charge a Paid Overdraft Item Fee for items that overdraw your account by $5.00 or less in aggregate for a single day's transactions.  The Paid Overdraft Item Fee applies to overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means.  To maintain Overdraft Privilege, account balance must be positive for at least one day in any 30 day period. We may not pay your overdraft if you have not Opted-In for all transaction types or if you do not have sufficient available Overdraft Privilege to cover the amount of the overdraft and any associated fees.

Service Review

  • Eligibility:  Any personal checking customer who meets established Progressive Bank Overdraft Privilege eligibility requirements*
  • Privilege Amount:  Determined by the type of personal checking account that you have
  • Access:  Written Checks; ATM; Point-of-Sale (Debit Card); ACH; Online & Bill Payer Transactions
  • Privilege Status: To satisfactorily maintain the Overdraft Privilege, you must return your account to a positive balance within thirty days of the overdraft status.

*We do not authorize and pay overdrafts for ATM and everyday debit card transactions unless you ask us to (Opt-In).  We pay overdrafts at our discretion, which means that we do not guarantee that we will always authorize and pay any type of overdraft.  If we do not authorize and pay an overdraft, your transaction will be declined.

For information on Progressive Bank Overdraft Privilege eligibility requirements, contact any Progressive Bank Financial Center.

Safety Net Overdraft Program

An alternative to Overdraft Privilege is our Safety Net Overdraft Program.

With Safety Net, if you have another personal checking, savings, or personal line of credit account with Progressive Bank, you can link this account to your Personal Checking account to utilize the available balance in the linked account to cover inadvertent overdrafts.

If you have enrolled in our Safety Net service and happen to have an overdraft on your Personal Checking account, funds will automatically be transferred, in $100 increments, to cover the overdraft amount (up to the amount available in the funding account).   For each transfer that is made, a $10 Transfer Fee will be charged to your Personal Checking account. NOTE:  This is a one-time fee per transfer, regardless of the number of NSF items covered by the transferred amount. 

Accounts available to cover overdrafts through the Safety Net Overdraft Program are:

  • Another Personal Checking Account
  • Personal Savings Account*
  • Personal Line of Credit**

(May select only one Transfer Account)

NOTE:  To link accounts for our Safety Net Overdraft Program, there must be at least one common owner on each of the linked accounts and that common owner must sign for the Safety Net service.

To enroll in our Safety Net Overdraft Program, stop by any Progressive Bank Financial Center.

*Safety Net transfers from Savings Accounts are considered pre-authorized withdrawals for regulatory purposes and are included in the monthly regulatory limit of six pre-authorized transfers per month.  Any Safety Net transfer in excess of six during a statement cycle will incur a $10 Excess Withdrawal Fee.

** Lines of Credit used for Safety Net are subject to Progressive Bank's normal credit approval process and may also incur interest charges.

Personalization Settings

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