Available to individuals 55 or older, this account has no minimum balance and no monthly service charge.
- No Monthly Service Charges
- No limitations on number of checks issued
- Must be at least 55 years old to qualify
Personal Checking & Savings Accounts
Regular Checking Account
Our Regular Checking Account offers a low minimum balance along with the essential features you’re looking for, such as online banking and a free debit card.
- No limitations on number of checks issued
- $300 Minimum daily balance to avoid service charge
- $2.50 plus $.10 per debit service charge if balance falls below minimum
Super NOW Checking Account
Our Super NOW Checking Account provides all the features of our other checking accounts, plus it pays you interest! The account offers these features:
- No limitations on number of checks issued
- Interest bearing. See our rates page for current rates
- 3 free Personal Money Orders per month
- Free photocopy service (limit 10 per day)
- $800 minimum average daily balance to avoid monthly service charges
- $10 monthly service charge if balance falls below the minimum
Student Checking Account
Available to students up to 24 years of age.
- No Monthly Service Charges
- No limitations on number of checks issued
- Automatically converts to a Regular Checking Account once the owner turns 24 years old
Money Market Savings Account
Our Money Market Savings Account offers you easy access to your funds, plus the added benefit of tiered interest rates for larger accounts.
- Tiered interest account. See our rates page for current rates and terms.
- Interest compounded monthly
- $2,500 minimum daily balance to avoid service charges
- $10 per month service charge if balance falls below minimum
Passbook Savings Account
Our Passbook Savings Account is just right for most of our savings customers, it offers the following conveniences:
- No minimum balance
- No monthly service charges
- Interest Bearing. See our rates page for current rates
- Interest compounded quarterly
- Passbook to easily track your transactions
Savings Accounts for Kids
Opening an account for your kids is a great way to teach them how to save money. Our Passbook Savings Account’s are great for kids, since they have no minimum balance, no fees, and they receive a passbook to help them keep track of their account!
Want to teach your kids about smart money management? Check out our financial education resources for kids!
Debit Cards
Enjoy the convenience of a debit card with the Shazam debit card from Perennial Bank. Pay at the pump, speed up your checkout at the grocery store, or get cash at an ATM! Debit cards work like a check, so the money comes directly out of your Perennial Bank checking account. Give us a call to learn more about how you can sign up for a debit card today!
- Purchases come directly out of your checking account
- Carries Mastercard fraud protection
- EMV (chip and PIN) technology provides added safety
- Initial card and renewals are FREE !
- Available to consumers and businesses
- Compatible with Google Pay and Apple Pay
- Premium Fraud Text Alerts
Contact Shazam at 1-800-383-8000 if your debit card has been lost or stolen.
Credit Cards
Earn valuable points and build your credit with an Elan credit card from Perennial Bank. We have several card options to choose from for both consumers and businesses. Simply apply online, or give us a call to see which card is right for you!
- Branded by VISA
- EMV (chip and PIN) technology provides added safety
- Available to consumers and businesses
- Compatible with Apple Pay
Safe Deposit Boxes
Need somewhere to keep your important documents and items?
Our Paynesville, Darwin, and Winthrop locations have safe deposit boxes available for rent. The sizes and costs of the boxes vary per location.
Stop in to open up a box today!
Ready to make the switch?
At Perennial Bank, we offer the same great products and services you’d expect from a big bank, but with the personal service and hometown care only a local community bank can provide. When you choose Perennial Bank, you’re choosing a partner that truly knows you, values your business, and is committed to making your banking experience smooth and stress-free.
When you’re ready to make the switch to Perennial Bank, click the link below to view our easy, step-by-step instructions on how to transfer your accounts to our bank!