Personal Banking

Retail Checking and Savings Accounts

Choose the type of personal checking account that fits best for your account activity and average balances.  Be sure to ask about overdraft protection for your account.

• PNB Platinum Checking
  Platinum Checking is our tiered high interest rate checking account that pays interest on balances of $3,000 or more.
• PNB NOW Checking
  A NOW is a checking account that pays interest. If you keep a minimum daily balance of $1,000 in your account, there's no maintenance fee.
• PNB Regular Checking
  Just $100 opens an account. If you keep a minimum daily balance of $100 in your account, there's no maintenance fee, otherwise the monthly maintenance fee is $7.00.
• PNB 50 Plus Checking
  If you're 50 or over, there is no monthly maintenance fee for your checking account.
• PNB Direct Checking
  No monthly maintenance fee for each statement cycle in which we receive a direct deposit to your account. Otherwise, a $5.00 monthly maintenance fee applies.

MasterMoney™ Debit Card

If you qualify, you can add a MasterMoney debit card to your checking account. It looks like a MasterCard® credit card, but it actually makes purchases directly from your checking account. There is no annual fee and no charge to use the card.

Courtesy Overdraft Privilege

Anybody can make a checkbook error. But there’s nothing more embarrassing than bouncing a check. It can even hurt your credit rating. That’s why Physicians National Bank offers good customers our Courtesy Overdraft Privilege. Here’s how it works.

• If you accidentally overdraw your account, we will pay any checks that are presented, up to the amount of your pre-set limit, less a per-check overdraft fee.
• The Amount of Courtesy Overdraft Privilege will be shown in your available balance at ATM machines and may be available to you for ATM cash withdrawals and when you use your check card for purchases at retail merchants, as well as for checks and ACH transactions. The balance shown on the Internet and given to you on our Telephone Banking system will not include the Overdraft Privilege Amount.

Courtesy Overdraft Privilege isn’t a line of credit. It’s simply what it says it is: a courtesy to save embarrassment for our customers in good standing. For full details or to opt out, please call 484.455.2850.

Statement Savings

You can open an account with as little as $100. You can even set up an automatic savings plan. We can transfer money from your checking account to your savings account on the day you choose every month. Watch how quickly your savings grow when you do it automatically!

MoneyMarket Accounts

These accounts pay higher market rates on deposits.

Certificates of Deposit

Physicians National Bank pays competitive rates on CDs of $1,000 or more from three months to five years. Such balances are subject to standard FDIC insurance limitations. 

Individual Retirement Accounts

Our certificates of deposit are an ideal vehicle for saving for retirement. You can purchase CDs as a Regular or Roth IRA, depending on your personal circumstances.

Education Savings Accounts

Physicians National Bank offers Education IRAs to help you save for your children's education.