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 Card*, 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


Progressive Lite Checking

Regular Checking

Interest Checking

Treasury Rate Checking


Individuals Only

Individuals and Non-Profit Organizations*

Individuals and Non-Profit Organizations*

Individuals and Non-Profit Organizations*

Minimum to Open





Monthly Service Fee*


$800 and Above

No Fee





Below $350


$1,500 and Above

No Fee

Below $1,500


$5,000 and Above

No Fee

Below $5,000


Per Check Fee

No Per Check Fees

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

$.12/each after first 15*
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





Minimum Balance to Earn Interest: $1,000.00


Minimum Balance to Earn Interest: $5,000.00


$3.00 / month Paper Statement Fee


ATM Transactions


No Per Transaction Fees at Progressive Bank ATMs

Overdraft Privilege*








Free Treasury Rate Checks

*Debit Card and Overdraft Privilege pending approval. NSF/OD charges & other auxiliary fees may apply.  Monthly Service Fees based on minimum daily balance.  Per 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.

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 generally 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*, with Progressive Bank Overdraft Privilege you can be confident that your occasional overdraft transactions will generally be approved. There is no fee for this service but our usual Paid Overdraft Item Fee (currently $35.00) does 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.

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 Protection

An alternative to Overdraft Privilege is our Safety Net Overdraft Protection service.

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 Protection service are:

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

(May select only one Transfer Account)

NOTE:  To link accounts for Safety Net Overdraft Protection, 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 Safety Net Overdraft Protection, stop by any Progressive Bank Financial Center.

*Overdraft Protection 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 Overdraft Protection transfer in excess of six during a statement cycle will incur a $10 Excess Withdrawal Fee.

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

Personalization Settings



Please enter your first name so that we can personalize your level of banking experience with us.

This level of personalization will not lead to the sale of your name or leak your identity. The information you provide will only be stored on your computer and will not be transferred to the web server.

Please do not remind again