Transcription
WELCOMEto You First Bankingpersonal banking business banking digital banking wealth management
A Letter of WelcomeDear Valued Customer:Welcome to Peoples Bank! On Thursday, January 24, 2019, we successfullycompleted the acquisition by merger of A.J. Smith Bank. Peoples Bank isnow your financial institution, and our goal is to ensure that you experience asmooth transition.On Saturday, May 4, 2019, the A.J. Smith offices will temporarily close forthe day as we integrate our systems and transfer your A.J. Smith accounts tocomparable accounts at Peoples Bank. The information in this booklet andenclosed Disclosure Packet will introduce you to the features and benefits ofyour new Peoples Bank accounts.Beginning Monday, May 6, 2019, you will have access to many products andservices that were not available to you at A.J. Smith.We’ve made it our business, as your community bank and financial partner,to deliver a valuable banking experience to you. That’s why we offer a varietyof digital banking services so that you can do your banking where and whenyou want, as well as a wide range of traditional personal, business and wealthmanagement products to help you achieve your financial goals.Peoples Bank strives to be a mission-and values-driven organization. Ourbrand is directly aligned with the success of our customers, and actingethically is paramount to delivering on that promise.We invite you to explore what we have to offer, not only in this booklet, butalso on our website at ibankpeoples.com. Of course, we are always ready todiscuss with you, in person, how we can assist you in reaching your financialgoals.Let us assure you that we value our relationship with you, and we hope thatyou enjoy your experience at Peoples. If you have any questions regardingyour accounts or financial needs, don’t hesitate to contact your local t andChief ExecutiveOfficer23
About UsFrequently AskedQuestionsFor over 100 years, Peoples Bank has maintained a commitment to thecustomer, a belief that has allowed us to thrive and continue to serve ourcustomers. It’s the same philosophy that drives Peoples now as it did in 1910,when the Bank first opened for business.How can I ensure that I receive all important informationregarding this transition?Today we call this commitment to our customers You First Banking, and it’sour pledge to always put your financial goals first. It’s banking that is drivenby relationships, not just transactions, so that we’re here for you as yourfinancial needs continue to grow and change. Because we are an independentcommunity bank, we can respond quickly and effectively with the service andsolutions you need to meet your financial goals.When can I access my accounts and conduct my banking at aPeoples Bank Banking Center?Headquartered in Munster, Indiana, Peoples delivers a wide range of consumer,business, and wealth management products along with digital banking services,as well as a tradition of high-quality performance. To fit today’s busy lifestyles,we offer a variety of ways you can conduct your banking activities. You can visitany of our 22 Banking Centers and ATMs, enroll in Online Banking services, oruse our mobile banking app to deposit checks and send money to friends.Will my A.J. Smith account numbers and open dates changewhen I become a customer of Peoples Bank?For the 14th consecutive year, American Banker magazine listed Peoples amongthe top 200 community banks in America for performance. Our team has a clearmission — to identify and make the most of every opportunity to provide valueto our customers, shareholders, employees, and the community, while adheringto sound banking principles. That’s what You First Banking is all about.uuuPlease make sure your contact information (email address, phone number,home address) is up to date. Visit or contact your A.J. Smith location toconfirm your information is current.Beginning Monday, May 6, 2019, the Midlothian and two Orland Park locations(Wolf Road and 80th Avenue) will be open for business as Peoples Bank.At that time you may visit any of our 22 Banking Centers located in SouthSuburban Chicagoland and Northwest Indiana.No, account numbers and open dates will not change.Can I still use my A.J. Smith checks?uYes, you can continue to use your A.J. Smith checks until your supply runs out.When it's time to reorder, please contact any of our 22 Banking Centers forassistance or place an order within Online Banking. Going forward, you will useDeluxe for check reorders rather than Harland Clarke, the company you arecurrently using. When it comes time to order checks, you will need to contactus to ensure you're getting the appropriate discounts associated with youraccount.Mission StatementPeoples Bank is committed to helping our customers and communities bemore successful. Our core values of Stability, Integrity, Community, andExcellence guide our mission toward the success of our customers, localbusinesses, and communities. We strive to be a value-driven bank for all ofour stakeholders and focus on bringing capital back to the communities weserve. At Peoples, it's our commitment to offer the best service that ourcustomers can find through engagement and technologies that will enhancethe customer experience.4continued 5
FAQ's continuedWill there be any changes to my checking account?uPersonal: Your current account will be transferred to a Peoples Bankaccount. Refer to the chart on page 12 for more details. Your finalA.J. Smith statement will be processed on Friday, May 3, 2019. Your newmonthly statement will change to the 5th business day of each month,beginning June 2019.- Electronic payments that you've set up to automatically debit your account willcontinue to process. Direct deposits that you receive, such as social security, willcontinue to occur without interruption.uWill my A.J. Smith Debit Card be replaced with a Peoples BankDebit Card?Yes, you will receive a new Peoples Bank VISA Debit Card in the mail byMonday, April 29, 2019. Please refer to pages 13 and 14 of this booklet formore information. You may activate and begin using your new card onThursday, May 2, 2019.Will I have access to surcharge-free ATMs?uuPersonal: If you are currently using Online Banking or the eStatement system toaccess your personal accounts, you will automatically be enrolled in the PeoplesBank Consumer Online Banking system. If you are not currently using OnlineBanking, you may enroll beginning Monday, May 6, 2019 by visiting our websiteat ibankpeoples.com, or the Banking Center nearest you. Please refer to pages25 - 27 in this booklet for a description of all the available features.uBusiness: If you are currently using Online Banking or the eStatement systemto access your business accounts, your current access will be cancelled onMay 3, 2019. You will need to enroll in Peoples Bank’s Business OnlineBanking by completing an enrollment form, which was mailed to you in March.You may also access the enrollment form on our website, ibankpeoples.com, orby visiting your local Banking Center. Please refer to pages 28 - 29 in this bookletfor a description of all the available features.Business: Your current account will be transferred to a Peoples Bank account.Refer to the chart on page 21 for more details. Your final A.J. Smith statementwill be processed on Friday, May 3, 2019. Your new monthly statement willchange to the last business day of the month.- Electronic payments that you've set up to automatically debit your account willcontinue to process.uHow do I enroll in Peoples Bank Online and Mobile Banking?Yes, you can use any Peoples Bank ATM free of charge. Additionally, PeoplesBank is a member of the Allpoint ATM Network, which provides surcharge freeaccess at over 55,000 ATMs worldwide. For more information, visit our websiteat ibankpeoples.com.Surcharge-FreeATM NetworkWhen is the last day I can use A.J. Smith Online Banking andeStatements?uThe A.J. Smith Online Banking and eStatement systems will be retired onThursday, May 2, 2019 at 5:00pm CST. Please print or save any statements, billpayment, or eBill information you would like to retain for future use prior to thisdate. Any transactions scheduled to occur within A.J. Smith’s Online Bankingafter Thursday, May 2, 2019 will be cancelled.Bill Payment Payees will need to be reentered in Peoples Bank Online Banking.We encourage you to print or save your list of payees and/or payment history sothat you can easily add them in Bill Pay.If you are currently receiving eBills, please print copies of any billing statementsyou may need for future reference, as these will no longer be available afterThursday, May 2, 2019. To continue receiving eBills, you will need to set them upin Peoples Bank Bill Pay.Our eStatements can be viewed within Peoples Bank’s Online Banking system.During your initial login, you can enroll in eStatements. As always, we are here tohelp should you need assistance.continued 67
FAQ's continuedWill the rates and terms of my CD account change?uNo, existing rates and terms will remain the same until maturity. When yourCD matures, please call or visit a Banking Center for new rates and terms. Untilyour CD matures, you will continue to receive your CD interest payments as youcurrently do.What do I need to know about my A.J. Smith CD Passbookaccount?uYour A.J. Smith Passbook Savings account will be replaced with a Peoples BankPassbook Savings account. Update your passbook at any A.J. Smith BankingCenter prior to Friday, May 3, 2019, if it’s not currently up-to-date. BeginningMonday, May 6, 2019, we recommend that you take your passbook to any ofour Banking Centers to replace it with a Peoples Bank passbook, or switch to aStatement Savings account.What changes will be made, if any, to my mortgage or commercial(business) loan?u8uYour rates, terms, and payment due date will remain the same. You willcontinue to use your A.J. Smith coupon book to make your May 2019 payment.You will receive a June 2019 loan billing statement by mail from Peoples Bankprior to the end of May. Your July loan billing statement will be sent fromPeoples Bank and you should receive it prior to the end of June 2019. Youcan make your loan payment by mail, in person at any of our locations, withinOnline and Mobile Banking, or by setting up an automatic payment fromany bank account. If you currently have an automatic payment set up, it willautomatically transfer to Peoples Bank. If you are interested in auto paymentsbut do not currently have them set up, you may enroll within Peoples Bank'sOnline Banking.You will be able to retain your current safe deposit box. Rental fees may changeat the time of annual renewal. In the event of a fee change, you will be notified 30days in advance of the impending change. If you were receiving a special discountas part of the A.J. Club Elite, you will continue to receive the same discount.How will my deposits be processed?uPlease update your passbook at any A.J. Smith Banking Center prior to Friday,May 3, 2019, if it’s not currently up to date. After May 3, 2019, your interest willcontinue to post, however interest and activity will no longer be recorded inyour passbook. You will receive a maturity notice 20 days prior to maturity withbalance and interest information.What do I need to know about my A.J. Smith PassbookSavings account?uWhat will happen to my Safe Deposit Box?For determining the availability of your deposits, every day is a business day,except Saturdays, Sundays, and federal holidays. If you make a deposit duringregular business hours on a business day that we are open, we will consider thatday to be the day of your deposit. However, if you make a deposit after businesshours or on a day we are not open, the deposit will be accounted for on the nextbusiness day. Electronic deposits (direct deposits) will be posted to your accountand immediately available upon receipt.Are my Banking Center Hours changing?uYES. Effective May 6, 2019, the new Illinois Banking Center Hours are:Lobby Drive-UpMonday – Friday:9am - 5pm8am - 6pmSaturday:9am - Noon8am - NoonAdditionally, you will have access to 55,000 Surcharge-Free ATMs worldwidethrough the Allpoint ATM Network.What is the Peoples Bank routing number?uThe Peoples Bank routing number is 271973924.What will happen to the A.J. Club Elite?uMany of the savings enjoyed by Club members are available as an owner of aPeoples Bank Senior Plus Checking account (see page 13). In addition, discountedsafe deposit box rental fees will continue with Peoples Bank. Unfortunately, thetrip portion of the club will no longer exist. Please contact your local BankingCenter if you have questions and to see how we can help.9
Important Dates(April 29 – June 30, 2019)Monday, April 29:Sunday, May 5 – Monday, May 6, Conversion Weekend:You will receive a new Peoples Bank VISA Debit Card in the mail.A.J. Smith products and services will be converting to Peoples Bank.Thursday, May 2:Monday, May 6: A.J. Smith Online Banking and eStatement systems will retire at 5:00pm CST.Deadline to print or save any statements, bill payment or eBill information youmay need for reference, is Thursday, May 2, 2019. Transactions scheduled tooccur after Thursday, May 2, 2019 will be cancelled. The A.J. Smith Telephone Banking and MobiMoney systems will be retired. Your A.J. Smith debit card will be deactivated. You can activate and begin using your new Peoples Bank VISA Debit Card. Online Banking transactions scheduled to occur after this date will be cancelled.Friday, May 3: Deadline to update your A.J. Smith Passbook Savings Account at any A.J. SmithBanking Center. Deadline to update your A.J. Smith CD Passbook account so interest and activitycan be posted. Final A.J. Smith checking account statements for consumers and businesseswill be processed.Saturday, May 4:All A.J. Smith locations will be temporarily closed for the day as we integrate oursystems.10 A.J. Smith Federal Savings Bank in Midlothian, Orland Park – 80th Avenue andOrland Park – Wolf Road locations will be open for business as Peoples Bank. A.J. Smith accounts and services will be Peoples Bank accounts and services. A.J. Smith Online Banking and eStatement service will be Peoples BankOnline and Mobile Banking. You can log in to Peoples Bank's Online Bankingwith your temporary login credentials located on page 25 of this booklet. Onceyou have successfully logged in to Peoples Bank's Online Banking and changedyour password, you can begin using Mobile Banking. A.J. Smith business customers will need to enroll in Peoples' Business OnlineBanking. Visit ibankpeoples.com to access the enrollment form, or stop by anyBanking Center (an enrollment form was also mailed to business customers).Friday, May 31:Date A.J. Smith June residential mortgage loan billing statements will bereceived by.Sunday, June 30:Date new Peoples Bank July residential mortgage loan billing statements willbe received by.11
ConsumerCheckingA.J. Smith Accountwill becomePeoples Bank AccountNOW CHECKINGYOU FIRST CHECKING with InterestFREE CHECKINGYOU FIRST CHECKING ATM OptionGO GREEN CHECKINGYOU FIRST CHECKING ATM OptionSenior Plus CheckingWith Senior Plus Checking, interest is paid on all balances of 100 or more (seeenclosed disclosure packet). You will receive our standard account features, suchas free Online and Mobile Banking, free debit card, free paper statements, noteller fees, and more. Plus, you will receive free basic checks and official bankchecks. A 2 minimum balance fee can be waived with eStatement enrollment ora 100 minimum daily account balance. Your final A.J. Smith statement will begenerated on Friday, May 3, 2019. Your new monthly statement will change to the5th business day of each month.eCheckingNOW CHECKINGFOR THOSE 55 SENIOR PLUS CHECKINGYou First CheckingYou First Checking is our most popular account! It can be customized to meetyour unique needs when you choose one of six great options below: Earn interest with a minimum average daily checking account balance Get up to 10 in fees waived at non-Peoples Bank ATMs per statement cycle Receive 10% off the published fee the first year when you open aWealth Management account Waive one overdraft fee per year Receive up to 125 discount in processing fees for a mortgage or consumer loan Receive one free overdraft protection transfer per monthWith You First Checking, there are no monthly service charges. With the interestoption, interest is paid when you maintain a minimum average daily balance of 500 or more (see enclosed Disclosure Packet). Plus, you will be able to access youraccount at any time with our free Online and Mobile Banking. Your final A.J. Smithstatement will be generated on Friday, May 3, 2019. Your new monthly statementwill change to the 5th business day of each month.If you have a NOW checking account, we’ve automatically selected the interestoption for you. If you’d like to switch to a different option, please contact any ofour Banking Center locations and we’ll be happy to assist you.If you have a Free or Go Green checking account, we’ve automatically selected theATM option for you. You can also contact any of our Banking Center locations toswitch to a different option.12Our eChecking account is designed for those people who are on-the-go and enjoyconducting their banking online. Earn rewards by using your debit card, receivingeStatements and direct deposit of 250 per statement cycle. There are no monthlyservice charges (see enclosed disclosure packet). If you would like to switch to thisaccount, please contact your local Banking Center beginning Monday, May 6.A.J. SMITHPERSONAL MASTERCARDDEBIT CARDPEOPLES BANKVISA DEBIT CARDDebit CardA new Peoples Bank VISA debit card will be sent to current card holders in the mail. Forsecurity purposes, a new PIN will be mailed to you separately. If you don’t receive yourcard and PIN by Monday, April 29, 2019, please contact any of the A.J. Smith or PeoplesBank offices. You can activate and begin using your card on Thursday, May 2, 2019by conducting a pin-based transaction. Your temporary daily debit card limits fromMay 2, 2019 – May 5, 2019 will be: 1500 for signature based purchases, 500 for PINbased purchases, and 300 for ATM cash withdrawals. Beginning Monday, May 6, 2019,you can change your PIN by visiting any Peoples Bank ATM or Banking Center.In an effort to make your debit card switch as easy as possible, you will be receiving aletter in the mail that identifies all of your automatic, reoccurring payments tied to yourA.J. Smith Debit Card that will need to be switched to your Peoples Bank Debit Card.You can use any Peoples Bank ATM free of charge. Additionally, Peoples Bank is amember of the Allpoint ATM Network, which provides surcharge free access at over55,000 ATMs worldwide. For more information, visit our website at ibankpeoples.com.continued 13
ConsumerChecking continuedYou will also have the use of Peoples Bank Mobile Wallet to carry your debit carddigitally. Instead of paying with a plastic card, easily pay with a supported device.Your A.J. Smith debit card will be deactivated on Thursday, May 2, 2019. Useof A.J. Smith and Peoples ATMs is free of charge, as well as any ATM that is part ofthe Allpoint ATM Network. You may incur fees for processing your transaction atnon-Peoples Bank ATMs. For a list of Peoples ATM locations, please refer to pages31 - 33 of this booklet.Effective Monday, May 6, 2019, the daily limits for using your debit card will be asfollows: 2,500 for signature based purchases and 500 for PIN based purchases andcash withdrawals. If you’re not already a debit card holder, sign up to receive a freePeoples Bank VISA debit or ATM card with your checking, money market or statementsavings accounts at any of our Banking Centers beginning Monday, May 6, 2019.Overdraft ServicesOverdraft Privilege Service (ODP)Peoples Bank is pleased to offer an Overdraft Privilege Service (ODP), designedfor consumer checking account customers to cover an accidental overdraft. ODPprovides peace of mind because in the event of an accidental overdraft, we willconsider, without obligation on our part, payment of insufficient items up to 1,000. This limit includes our customary fees as set forth in the Overdraft PrivilegeService Policy (see enclosed Disclosure Packet). It is not necessary to apply nor doyou need to sign any additional documentation for this service. It is part of yourchecking account agreement with Peoples Bank. With some exceptions, mostof our personal checking account types are eligible. This protection is automaticfor checks and pre-authorized withdrawals, however if you would like to includeODP on your debit card, additional paperwork is required. Of course, if you do notuse ODP, there are no charges associated with having the service (see enclosedDisclosure Packet).Overdraft ProtectionWith Overdraft Protection, you can enjoy the peace of mind that comes withknowing you will never have a check returned or accidentally overdraw fundsfrom your account. Funds will be transferred automatically from your savings ormoney market account for a nominal fee to cover overdrafts. Visit your nearestBanking Center or contact us to sign up (see enclosed Disclosure Packet). For a listof Peoples locations and contact information, please refer to pages 31 - 33 of thisbooklet.14Savings,CDs & IRAsA.J. Smith Accountwill becomePeoples Bank AccountPASSBOOK SAVINGSPASSBOOK SAVINGSSTATEMENTSAVINGSSTATEMENT SAVINGSMONEY MARKETMONEY MARKETMINOR PASSBOOKYOUTH PASSBOOK SAVINGSYOUTHMINOR STATEMENTSTATEMENTSAVINGSSUPER PASSBOOKPASSBOOK SAVINGSMONEY MARKETPASSBOOKMONEY MARKETPassbook SavingsYour A.J. Smith Passbook Savings account will be replaced with a Peoples BankPassbook Savings Account. Please visit any A.J. Smith Banking Center prior to Friday,May 3, 2019, to update your passbook if it is not currently up-to-date or switch to aStatement Savings account.Beginning Monday, May 6, 2019, we recommend that you take your passbook to anyof our Banking Centers to replace it with a Peoples Bank passbook, or switch to aStatement Savings account. A Peoples Bank Passbook Savings account allows you toearn interest monthly on all balances of 200 or more. A 5 monthly maintenance feecan be avoided by keeping a minimum balance of 200 in the account each day (seeenclosed Disclosure Packet).As a courtesy, any applicable monthly maintenance fees will be waived from Monday,May 6, 2019 through Friday, May 31, 2019.15
Savings,CDs & IRAs continuedStatement SavingsYour A.J. Smith Statement Savings account will be replaced with a Peoples BankStatement Savings account. Receive monthly statements with a Peoples BankStatement Savings account, the convenience of free Online and Mobile Banking,and quick access to your funds with an ATM card. Interest is earned monthlyon balances of 200 or more. A 5 monthly maintenance fee can be avoidedby keeping a minimum balance of 200 in the account each day or by receivingeStatements (see enclosed Disclosure Packet).Your final A.J. Smith statement will be generated on Friday, May 3, 2019. As acourtesy, any applicable monthly maintenance fees will be waived from Monday,May 6, 2019 through Friday, May 31, 2019.Money MarketWith a Peoples Bank Money Market account, funds can be accessed via checks, aPeoples Bank debit card, or through unlimited transactions at the teller window.The interest rates are tiered so that the more you invest, the more you earn.Interest is paid on all balances of 1,000 or more. A 10 monthly maintenancefee can be avoided by maintaining a minimum daily account balance of 1,000 ormore (see enclosed Disclosure Packet).Your final A.J. Smith statement will be generated on Friday, May 3, 2019. As acourtesy, any applicable monthly maintenance fees will be waived from Monday,May 6, 2019 through Friday, May 31, 2019.A.J. Smith Accountwill becomeCERTIFICATE OF DEPOSITPeoples Bank AccountCERTIFICATE OF DEPOSITCertificate of Deposit (CD)Your current CD rates and terms will remain the same until maturity. After May 3,2019, your interest and activity will no longer be recorded in your passbook. Untilyour CD matures, you will continue to receive your CD interest payments as youcurrently do.Please visit any A.J. Smith Banking Center prior to Friday, May 3, 2019 to updateyour passbook if it is not currently up-to-date. After May 3, 2019, your interestand activity will no longer be posted to your passbook. You will receive a maturitynotice 20 days prior to maturity with balance and interest information.A.J. Smith Accountwill becomeIRA STATEMENT SAVINGSIRA CDPeoples Bank AccountIRA STATEMENT SAVINGSIRA CDYouth SavingsIRA Statement SavingsYour A.J. Smith Minor Passbook Savings account will be replaced with a PeoplesBank Youth Passbook Savings account. Please visit any A.J. Smith Banking Centerprior to Friday, May 3, 2019, to update your passbook if it is not currently up-to-date,or switch to a Youth Savings Statement Account.A.J. Smith IRA Statement Savings accounts will become Peoples Bank IRAStatement Savings accounts. You will continue to receive an annual statement,and interest and activity can be viewed through Online Banking.Beginning Monday, May 6, 2019, bring your passbook to any of our BankingCenters to replace it with a Peoples Bank passbook.Your A.J. Smith Minor Statement Savings account will be replaced with a PeoplesBank Youth Statement Savings Account.There is no minimum balance requirement to earn interest for customers underthe age of 18 who are enrolled in our Youth Savings accounts.16continued 17
Savings,CDs & IRAs continuedPersonal LoansIRA Certificates of DepositMortgagesA.J. Smith Fixed and Variable Term IRAs will become Peoples Bank StandardTerm CD IRAs at maturity. Your current IRA rate, term and interest will remainthe same until your CD matures. We also offer an IRA Savings account for thosewho wish to make contributions to their IRA account at any time. Please contactyour local Banking Center for details.Your A.J. Smith mortgage rates, terms and payment due date will remain thesame. You will continue to use your coupon book from A.J. Smith to makeyour May 2019 payment. You will receive a June 2019 residential loan billingstatement from Peoples Bank, which you will receive prior to the end of May.You can make your loan payment by mail, in person at any of our locations, withinOnline and Mobile Banking, or by setting up an automatic payment from anybank account.FDIC InsuranceThe standard maximum deposit insurance amount is 250,000 per depositor perinsured depository institution for each account ownership category. Please visitwww.fdic.gov/edie for more information on insurance rules and limits.If you currently have deposits at both A.J. Smith and Peoples Bank, separate FDICcoverage will apply for six months after the merger date, through Saturday, July27, 2019, to allow you time to restructure your accounts, if necessary.If you own a Certificate of Deposit that matures and automatically renews for thesame amount and term by Saturday, July 27, 2019, separate FDIC coverage willcontinue in place for the new term.If you own a Certificate of Deposit that matures and automatically renews witha different amount or term, separate coverage is provided only until Saturday,July 27, 2019.If you own a Certificate of Deposit that matures after Saturday, July 27, 2019,separate FDIC coverage will terminate upon maturity of the CD.For more information, or to learn about additional savings accounts, CDs, or IRAsoffered, visit us on the web at ibankpeoples.com or contact your local Banking Center.18Whether you are looking to purchase a home, begin construction, or seeking torefinance, Peoples Bank has the right lending product for you.We offer: Conventional Loans Jumbo Loans FHA, VA & USDA Loans Construction & Lot Loans First-Time Homebuyer ProgramConsumer LoansThe rates and terms of your A.J. Smith HELOC (Home Equity Line of Credit) andconsumer loans will remain the same. You will receive a loan billing statement bymail after Monday, May 6, 2019, and prior to your next payment due date. Loanpayments can be made by mail, in person at any of our locations, or by setting upan automatic payment from any bank account.continued 19
Personal LoansBusiness BankingcontinuedOther Personal Loans HELOC (Home Equity Line of Credit) – If you are making a major purchase,consolidating debt, or making home improvements, consider a Home EquityLine of Credit. Available as a fixed- or variable-rate loan, this revolving loancan be used repeatedly at your discretion. Home Equity Installment Loan – For those who prefer having a set monthlypayment amount, a Home Equity Installment Loan is ideal for single projectfinancing with a fixed rate and fixed payments for the life of the loan. Vehicle Loan – Car loans, truck loans and more are available with competitiverates and terms for financing. Recreational Vehicle Loan – Loans are available for the purchase of RVs,motorcycles and boats. Credit Builder Loan – If you do not have credit, want to repair it, or needadditional credit lines, this loan can help you meet your needs in as little asthree months. Unsecured Loans – Available for debt consolidation, large purchases,and more.A.J. Smith Accountwill becomeBUSINESS CHECKINGBUSINESS CHECKING WITHEARNINGS CREDITPeoples Bank AccountEVERYDAYBUSINESS CHECKINGBUSINESS CHECKING PLUSEveryday Business CheckingA Peoples Bank Everyday Business Checking account, complete with accountanalysis recap, comes with a free debit card and Business Online and MobileBanking. Your first 200 items, including checks, ACH Debits/Credits, DepositedItems and Deposits are free with a 0.25 transaction fee per item thereafter. A 15 monthly service charge can be offset by maintaining a 1,000 minimum dailyaccount balance (see enclosed disclosure packet). Services such as
Welcome to Peoples Bank! On Thursday, January 24, 2019, we successfully completed the acquisition by merger of A.J. Smith Bank. Peoples Bank is now your financial institution, and our goal is to ensure that you experience a smooth transition. On Saturday, May 4, 2019, the A.J. Smith offices will temporarily close for
![WELCOME! [ lagovistaisd ]](/img/30/lrpc-20mtg-204-nov-205.jpg)
