Personal banking accounts.
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Commercial banking accounts.
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.
Apply via mail (pdf).
*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!
8 am-10 pm Eastern Time, Mon. - Fri.
9 am-4 pm Eastern Time, Mon. - Fri.