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It only takes a few minutes to open an account with us online. To make the process easier and faster, gather the information shown below before getting started.

What you'll need

  • Primary Applicant
    • Social Security Number
    • OR US Taxpayer Identification Number
    • Current driver's license information
    • Date of birth
    • Physical address
    • Phone number
    • Email address
  • Joint Applicant (if opening a joint account)
    • Social Security Number
    • OR US Taxpayer Identification Number
    • Current driver's license information
    • Date of birth
    • Physical address
    • Phone number
    • Email address
  • Beneficiary (if opening a Pay Upon Death account)
    • Name
    • Social Security Number
    • OR US Taxpayer Identification Number
    • Mailing Address
    • Phone Number

If you wish to fund the new account online, you'll also need to provide current bank account and routing numbers from your current checking account. This information can be found at the bottom of a check from that account.

NOTE: After you have completed the online application you will receive an “Application Acknowledgement” via e-mail, advising of the receipt of your application by email. For your security, we will send to you, by US Mail, an account opening document and signature card. You must verify the information is correct and sign the account signature document as indicated. You must return these documents to us in the postage paid envelope provided.

Once we receive all necessary documents, are able to verify your information, and are able to process your opening deposit, we will open your account. We will then contact you by e-mail to confirm that your account is open and active.

If you have any questions, you may contact us by email at or by phone at 877-802-1212. Customer service Hours: 8 am to 7 pm, Monday Friday.

0.10% APY*

e.Savings Account

eSavings makes it easy to save, plus earns a great interest rate* to help you reach your goals faster. Access funds with free online banking, or with your free ATM card. Easy way to save with a great rate and e.Statements. Open with just $500!

*Annual percentage yield. See full account disclosures for terms and conditions.


A solid return on your money, absolute safety and the convenience of online banking. Open one now.

  • $500 opening deposit
  • Balances of $10,000.00 or more earn 0.10% APY. Balances under $10,000.00 earn base interest rate of 0.10%.
  • $500 minimum daily balance required to avoid fee of $15 per quarter.
  • To qualify for our e.Savings Account, you must receive your statement electronically.

*All Annual Percentage Yields (APYs) are accurate as of 01-02-2015. $500 minimum daily balance required to avoid $15 quarterly maintenance fee. Six free withdrawals per quarter, then $2.50 per withdrawal beginning with withdrawal seven. This fee applies to all items regardless if withdrawal or transfer is an allowable transaction or an unlimited transaction under federal regulation. ** Fees may reduce earnings. APYs may change after account opening without notice.

**Federal Regulations (Regulation D) allow six (6) transfers from your account monthly by preauthorized or automatic transfer, telephone (including data transmission), order or instruction or by check, draft, debit card or similar order (including POS transactions), made by you and payable to third parties. Transfers and withdrawals made in person, by mail or at the ATM are unlimited.

New accounts may be opened online only by individuals (natural persons) who have a valid Social Security Number (SSN) or US Taxpayer Identification Number (TIN). Prospective depositors must be of legal age to apply for a deposit account. Corporate entities and non-profits wanting to open a new account are requested to visit one of our offices. Peoples Bank Rewards Checking account is available only to North Carolina residents.

New online e.Savings applications submitted on a non-business day or after 5 pm Eastern Time on a business day will be reviewed the next business day. Accounts will be opened and earn interest once all signed documents have been received and the deposit is posted. Our business days are Monday through Friday, excluding Federal holidays. See Terms and Conditions and Schedule of Fees for details about e.Savings.

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