Checking Accounts

At New Peoples Bank, there’s no “one size fits all” when it comes to banking service. Banking is a lifestyle and we have personal checking accounts suited to every season of life.

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All of our Personal Checking enjoy benefits including

  • FREE debit card that earns uChoose® Points
  • Online Banking with Bill Pay
  • Mobile Banking
  • eStatements
  • NPB Alerts
  • Notary Services
  • Official Checks (Limits Apply)
  • Telephone Banking and more!

More Personal Checking Benefits!

What are uChoose® rewards points*?

This is a rewards program where you earn points every time you use your New Peoples Bank VISA® Debit Card and sign for your purchases.

You may also earn additional points for shopping at participating retailers, whether it's in-store at national or local retailers or online through www.uChooserewards.com. When shopping in-store, select credit and sign for your purchases.

uChoose Rewards

Add GenGold® Ultimate Benefits for an additional monthly fee

Capitalize on added discounts for Travel, Vision and Auditory Care, Prescriptions, National Restaurants and Family Movies1.

Other benefits include Identity Theft Protection and a 90-Day Purchase Protection & Extended Warranty1 and much more!

Learn More about GenGold®

1 Some Restrictions Apply

New Freedom Interest Checking

Earn higher interest when you take advantage of our simple, time saving services. Save money with a 50% discount on annual safe deposit box rental, two free stop payments, and one penalty-free Certificate of Deposit Withdrawal per year (1 Year Term CD Only)*. Feel more confident about your financial future with a free investment consultation from New Peoples Bank Financial Services, Inc.

*IntraFi Network Deposits & CDs Excluded

Details:

  • Earn Interest on Daily Balance of $1,000 and Greater
  • Earn a Premium Interest Rate on Daily Balances up to $25,000 by Meeting a Few Simple Requirements
  • Avoid $8 Monthly Fee with $2,500 Average Balance in Account or $25,000 Combined Loan/Deposit Balance

Criteria to Earn the Premium Interest Rate on Daily Balances up to $25,000:

  • Make 12 POS transactions per month (Credit)
  • Complete 4 Bill Pay transactions per month
  • Sign up and receive eStatements
  • Log in to Online Banking at least once per month
  • One direct deposit required per month

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New Freedom 55 Plus Checking

Save money with free NPB Custom Design checks, a 50% discount on annual safe deposit box rental, two free stop payments, and one penalty-free Certificate of Deposit Withdrawal per year (1 Year Term CD Only)*. Feel more confident about your financial future with a free investment consultation from New Peoples Bank Financial Services, Inc.

*IntraFi Network Deposits & CDs Excluded

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Heroes Checking Account

Military Personnel, Veterans, Law Enforcement Officers, Firefighters, and Medical Professionals

Special recognition and rewards to honor those who have served or that are serving. Save money with free Custom Heroes Checks, free Personalized VISA® Debit Card that earns uChoose® Rewards Points, 50% discount on annual safe deposit box rental, 0.25% off borrower’s interest rate on any consumer installment loan*, two free stop payments per year, discount on GenGold® lifestyle benefits, and one penalty-free Certificate of Deposit Withdrawal per year (1 Year Term CD Only)**.

*Rate discounts do not apply to commercial loans or real estate secured loans.
** IntraFi Network Deposits EXCLUDED

Learn more

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Student Checking Account

Our KEWL Checking Account helps teens and students develop healthy financial habits, while earning exciting rewards! Students ages 13-23 (17 and under requires adult participation and signature with this account) are eligible for this account. Choose from a customized NPB VISA® Card or a card featuring the school’s logo (as available) at no charge. Checks with the school’s logo are also available.

Students can earn uChoose® reward points* every time they sign for purchases using their card. As an added bonus, New Peoples Bank will add uChoose® points for the following:

  • Birthday - 100 points
  • Direct Deposit - 10 points for having a direct deposit
  • Logging in to online banking - 10 points for logging in to online banking at least once per month
  • Bill Pay - 10 points per payment with a maximum of 50 points per month
  • Enroll in mobile banking - 100 points (one time)
  • Open additional accounts - 100 points per new account (one time)

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*uChoose® rewards points are not FDIC insured.

We want to reward students for a job well done at the end of the school year.

For our elementary and high school students:

  • 100 additional points for those elementary/high school students who have an A/B final average for the current school year*
  • 100 additional points for those elementary/high school students who have perfect attendance for the current school year*

*Students must bring in their final report card, an A/B honor roll certificate or a perfect attendance certificate for verification. Students are eligible to earn in both categories for a total of 200 points.

For our college students:

  • 50 additional points per semester for full time college students who maintain a 3.0 average**

**Students must bring in a copy of their final grades for verification.
***New Peoples Bank reserves the right to modify the Points and Rewards without prior notification.

Basic Checking

Basic Checking is a traditional checking account with no monthly service charge. Enjoy free eStatements, no minimum balance requirements, and unlimited transfers to other accounts.

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Savings

Whether you're saving for the future or keeping money for a rainy day, we want to help you reach your saving and financial goals no matter what they are with the savings account that is right for you.

Explore Personal Savings

Club Accounts

Special accounts with your specific needs in mind, our club accounts are here to help you save for vacation and the holidays! Check out our Christmas Club account to help save money for holiday shopping or our Vacation Club account to more easily separate your vacation money from your other accounts with a separate debit card to easily track your vacation spending.

Explore Club Accounts

 
 

Mortgage Loans

Buying or refinancing your home is exciting, and at New Peoples Bank, we aim to make the experience as easy, simple, and secure as possible. With our variety of real estate loan options, we're sure you'll find one that's right for you. Our mortgage team is ready to work with prospective buyers and current homeowners.

Explore Mortgage Loans

Checking Comparison Chart

FeaturesNew Freedom Interest CheckingNew Freedom 55 Plus CheckingHeroes Checking“KEWL” Student CheckingBasic Checking
Minimum to Open $100 $100 $100 $100 $100
UChoose® Rewards Yes Yes Yes Yes Yes
GenGold® Ultimate Optional @ Just $8.95/mo Optional @ Just $8.95/mo Optional @ Just $7.95/mo Optional @ Just $8.95/mo Optional @ Just $8.95/mo
Interest Bearing On Daily Balances of $1,000 or more        
FDIC Insurance Up to $250,000 Up to $250,000  Up to $250,000  Up to $250,000  Up to $250,000 
Premium Interest Rate On Daily Balances Up To $25,000        
50% off on a Safe Deposit Box Yes Yes Yes    
1 Penalty-Free Withdrawal per yr. for 1-yr. CD (IntraFi Network Deposits Excluded) Yes Yes Yes    
2 Free Stop Payments per Year Yes Yes Yes    
Free Checks   Yes Yes

(Custom Heroes Checks)

   
Monthly Service Charge Avoid $8 monthly fee with $2,500 average balance in the account or $25,000 combined Loan/Deposit balance Avoid $5 monthly fee with eStatements or recurring monthly Direct Deposit of $300 or greater Avoid $5 monthly fee with eStatements or recurring monthly Direct Deposit of $300 or greater Avoid $3 paper statement fee (per statement cycle) with eStatements Avoid $3 paper statement fee (per statement cycle) with eStatements