Personal banking accounts.
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Overdraft protection is available for personal accounts only.
With Easy Access, you just write a check when you need money. Cash will be added to your account in multiples of $100, up to your established credit limit of $500 to $5,000.
Monthly payments can be deducted from your checking account or you can pay off your full balance whenever you wish, with no prepayment penalty. Borrow only what you need, when you need it, at only 17.5% Annual Percentage Rate. There are no fees for using "Easy Access".
Since cash is advanced whenever your balance falls below zero, you'll never have the embarrassment of accidental overdrafts. You're covered.
Use your Savings, Checking or Money Market account(s) to protect your other Checking or Money Market account(s) from Insufficient Funds (NSF) or Overdraft situations.
Authorize Presidential to transfer funds from your deposit account(s) to your checking or money market account(s) with insufficient funds. Transfers will be debited in priority order in multiples of $100.00 until the overdraft is covered, providing funds are available in the selected account. There is only one fee of $5.00 per transfer, regardless of the amount required for the overdraft.
*APY = Annual Percentage Yield
Presidential Bank reminds you that firstname.lastname@example.org 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!
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