Personal banking accounts.
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Commercial banking accounts.
Branch & Internet. Overdraft protection is available on personal checking accounts. Also available is our Automatic Overdraft Transfer service enabling funds transfers between your checking and/or savings accounts when one is overdrawn. Please refer to our Schedule of Fees. The interest rate/tier and Annual Percentage Yield may change daily. Fees could reduce earnings.
Checkless Checking accounts require paperless statements. An email address is required for all products opened via the internet. We use the daily balance method to calculate the interest on your account. This method applies the daily periodic rate to the principal in the account each day. Minimum balance charges are determined by a daily balance. If the balance falls below the minimum on any day of the month, the charge will be imposed for that month. Service charge for balances below minimum requirement could reduce earnings on the account. Rates/tiers are subject to change without notice. All accounts are variable rate accounts for which the interest rate may be adjusted at any time after the account is opened at the discretion of Presidential Bank. Read in conjunction with Deposit Account Rules and Regulations, Schedule of Fees, and other materials for complete disclosure.
*APY = Annual Percentage Yield Presidential Bank reminds you that email@presidential.com is NOT a secure means of communication. Please refrain from including personal information such as account numbers, Tax ID/Social Security numbers, passwords, etc. We encourage you to maintain contact with us through our Secure Email service, located within Personal Online Banking. Help us keep YOUR personal information PRIVATE!