Checking accounts to help you thrive.

Additional Terms and Conditions:

¹The $400 new account cash bonus offer (“offer”) is available on any Penn Community Bank personal checking account type. To receive the $400 new checking cash bonus the account must be opened with $25 or more and complete one of the following within the first sixty (60) days of account opening: a) receive qualifying direct deposits totaling $1,500 or more to the checking account OR b) complete 20 or more debit card purchase transactions of $20 or more each that post to the checking account. Qualifying direct deposits are defined as recurring electronic deposits of payroll, Social Security, pension, government benefits or other eligible regular monthly income. To receive bonus account must be open, active and in good standing at the time the new account bonus is processed. New account bonus will be deposited to the checking account within 45 days after meeting offer requirements. If account is closed for any reason within six (6) months from date of opening, early termination fee may apply, and amount of new account bonus received will be debited from final account balance.

²Receive your payroll up to 48 hours before payday. Funds will be made available on the day the payment file is received from your employer, which may be up to two (2) days earlier than the scheduled payroll date. Early Direct Deposit feature is available on Free Checking Plus and Student Checking products only.

³Interest earning feature available on Relationship Checking product only, with the potential to earn a higher interest rate based on account balance, when tiered rates are offered. Balance and interest earning tiers for tiered rates are $0.01 – $4,999.99, $5,000.00 – $24,999.99, and $25,000.00+. Relationship Checking Annual Percentage Yield (APY) as of September 10, 2025, is .03% for all balance tiers. Rates are variable and subject to change at any time and without notice. To view current account rates at any time, please visit PennCommunityBank.com/PersonalRates.

⁴Bonus offer available to new checking customers only. Must not have closed a Penn Community Bank checking account within the preceding twelve (12) months or received a prior new checking account incentive. Limit one bonus offer per household. Standard account eligibility requirements apply, and the program promotional code must be presented at opening. All bonuses are subject to IRS 1099 tax reporting. Offer not available for business and municipal accounts. Offer expires December 6, 2025. There is no charge for the Penn Community Bank app, but wireless carrier data usage and message rates may apply. Information accurate as of September 10, 2025, and subject to change without notice. Offer may be modified or withdrawn at any time. Ask for full details.

⁵Zelle® enrollment available for account owners age 18 or older. To send and receive money through Zelle®, both sender and recipient must have and be completing transfer through a bank account with a financial institution in the U.S.

⁶Penn Community Bank is not a Credit Reporting Agency. Access to your credit score and credit report is being provided through SavvyMoney®.

All accounts: Standard account eligibility requirements apply. Fees and additional terms and conditions may apply. Fees may reduce earnings. Ask for full details.