Personal Services

Overdraft Options

ATM/Debit Card Opt-In/Out

Optional Overdraft Protection Service & Optional Overdraft Protection Service Plus also known as “OOPS & OOPS Plus”

From time to time we all have experienced that moment when the balance in our checking account is less than we thought. Perhaps you forgot to record a check, made an error in subtraction, forgot to transfer funds to pay your bills or just lost track of the balance. Having a check returned due to insufficient funds can be costly, inconvenient and potentially an embarrassing experience. At New Peoples Bank we don’t encourage overdrafts; we encourage you to manage your finances responsibly. However, we want to save you from the additional merchant fees and possible damage to your credit history that might result if a check is returned. That’s why we are pleased to offer you our Optional Overdraft Protection Service, or “OOPS”.

Included Services of “OOPS”

We understand that mistakes happen. When they do, we strive to pay your overdrafts on the following types of transactions:

  • Checks
  • Automatic bill payments
  • Telephone-initiated transfers or other electronic transfers
  • Preauthorized automatic debits

Included Services of “OOPS Plus”

"OOPS Plus" includes all service included with "OOPS" as well as:

  • ATM transactions
  • Every day (one time) debit card transactions

Opt-In/Opt-Out of OOPS Plus

Program Details and Disclosures

New Peoples offers UChoose Rewards!

Your VISA® Debit Card is more rewarding than ever. You shop. You earn. You Choose. It's that simple.

1. Earn

Earn 1 point per $3 every time you use your card and sign for your purchases.

2. Merchant Rewards

Earn additional points when you shop at retailers participating in the program, whether in-store or online at

3. Redeem

Use your points to choose from a wide array of products, travel experiences and activities, event tickets, cash back and much more!

Redeem Now

*uChoose® rewards points are not FDIC insured.

U-Ask: Frequently Asked Questions

What is UChoose® Rewards?

UChoose® Rewards is a program where you earn points every time you use your New Peoples Bank Visa® Check Card and sign for your purchases. You can also earn additional points for shopping at participating retailers with your card. Redeem your points for anything of your choice from a vast online rewards catalog.

How do I earn points?

You earn points every time you sign for your purchases and additional points for shopping at participating retailers, whether it’s in-store at national or local retailers or online through uChoose® Rewards. When shopping in-store, select credit and sign for your purchases.

Where can I earn points?

Everywhere your card is accepted and you can earn additional points by shopping at participating retailers. View a complete list of participating retailers at uChoose® Rewards

What can I redeem my points for?

It’s your choice! You can choose from millions of options, whether it’s products, travel experiences, activities, event tickets, or more! We keep track of all the points you earn and will help you find just what you’re looking for when you’re ready to redeem. We even have a Wish List that will help you track when you’ve earned enough to redeem a specific item.

Can I share points with family members?

Yes, all cards within an account automatically earn points together.

How much does it cost to participate?

There’s no cost. Membership in UChoose® Rewards is absolutely free for New Peoples Bank cardholders, so start shopping and earning today.

Safe Deposit Boxes

All New Peoples Bank full service branches have safe deposit boxes* for rent. Enjoy the safety and convenience of keeping your important papers and belongings in one of our safe deposit boxes. Rent is due annually and can either be billed, or automatically charged to your checking or savings account.


  • Sizes available:
    • 2" X 5" is $25.00 yr
    • 3" X 5" is $30.00 yr
    • 5" X 5" is $40.00 yr
    • 3" x 10" is $45.00 yr
    • 5" X 10" is $60.00 yr
    • 10" X 10" is $100.00 yr
  • Offer safety and convenience for important papers and belongings
  • Available for immediate rental and automatic billing


  • Protection of important items
  • Low annual cost for rental
  • Conveniently located where you bank

Find a Location to Rent a Deposit Box

*Contents of Safe Deposit Boxes are not insured by the FDIC


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

Are you prepared for your family’s financial future?

Our Financial Services team is standing by to help you better prepare yourself and your family for the road ahead.

Explore Wealth Management