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Introducing our NEW Checkless Checking Account


Move money electronically, not by writing checks.  No monthly transaction limits.  No monthly service charge if you maintain a $500 minimum balance. Free Online Banking services include BillPayer, Standard External Funds Transfer, Mobile Banking and Mobile Remote Deposit Capture.

Balance Interest rate APY*
Daily Balance up to $25,000 0.30% 0.30%
Daily Balance over %25,000 0.15% 0.15%

  *APY = Annual Percentage Yield

Other features
  • Interest rewarded each month
  • Point of sale purchases
  • ATM surcharge rebates up to $8 per month
  • Deposit images
  • Monthly electronic statements
  • Billpayer

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.