Skip to content
Welcome Banner

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.

0.25% APY*

Peoples Bank Rewards Checking

No transaction fees at any ATM nationwide** Our Rewards Checking account pays interest and refunds foreign ATM fees**. This account includes a free debit card, free online banking and billpay.

*Annual percentage yield. North Carolina residents only. See full account disclosures for terms and conditions.


Finally. A checking account you can get excited about.

Account Balance and Account Restrictions Apply

Requirements to be eligible for higher interest rates and free nationwide ATM usage:

  • Set up one direct deposit or draft per month
  • Make at least 10 debit card Point-of-Sale (POS) purchases per month. Purchases need to be posted and settled by the bank (excluding ATM transactions, returns and credits to your account.)
  • Receive your checking account statement electronically

If these requirements are not met every statement cycle then, (1) your standard APY will be 0.01%, (2) there will be a $8.00 monthly maintenance fee and (3) **non Peoples Bank ATM fees will not be refunded.

*All annual percentage yields (APY’s) are accurate as of 01-02-2015. No minimum balance required, you must deposit $100 to open account. Personal accounts only. Tier 1 - balance of $25,000.00 or less earn 0.25% annual percentage yield (APY) on the entire balance. Tier 2 – An APY of 0.05% will be paid for the portion of your daily collected balance that is greater than $25,000.00. Fees may reduce earnings. APYs may change after account opening without notice.

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 Peoples Bank Rewards Checking 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 Peoples Bank Rewards Checking.

Apply Now