Services

Jump to ➧ Checking Accounts • Savings & Investment • Loans • Retirement Accounts • Trust & Estate Services • Other Services

Checking Accounts

Business Freedom

Unlimited checking that has no service charge on average balances of $300 or more.

Business Interest Checking

This interest bearing checking account is available to any non-corporate or LLC business or organization.

Business Checking

Unlimited checking that has no service charge on average balance of $1,000 or more.

Electronic Transfer Account (ETA)

This account is available to anyone who receives a direct deposit of any government payment, with unlimited in-person and ATM withdrawals. No check writing. This account has a $3 monthly service fee.

e-Checking

This account is available to anyone with a monthly direct deposit. Free online bill pay and a Visa Check Card with no monthly fee and unlimited access to our 24-hour ATM.

Savings & Investment

Extreme Savings

The Extreme Savings Account gives you extreme advantages. With a minimum balance requirement of $2,500, you will receive a competitive interest rate. Higher rates of interest are earned for balances over $5,000 and $25,000. There is a limit of 3 checks per statement, but there are unlimited in-person withdrawals and ATM transactions. Statements are cycled monthly.

Money Market Fund

The Money Market Fund account pays more interest on higher balances. You will earn a competitive rate of interest on balances over $5,000. Higher rates are earned for balances over $10,000, $25,000 and $50,000. There is a limit on check writing, but there is unlimited in-person withdrawals and ATM transactions.

Choice Savings

Our Choice Savings Account earns competitive rates on balances under $2,000 and higher rates for balances over $2,000. Limited check writing, unlimited in-person withdrawals and ATM transactions.

Statement Savings Account

With statement savings, you’ll receive a statement at the end of each calendar quarter. The convenience of 24-hour-a-day access with an ATM card is available with your account. A service charge of $2.00 per month will be charged if average monthly balances fall below $50.00.

Certificates of Deposit

Our certificates of deposit can earn competitive rates of interest. We have various terms available, and they are especially advantageous because the minimum deposit with all our CD’s is only $500.

Loans

Mortgage and Home Equity Loans
We provide competitive Mortgage Loans as well as Home Equity Loans for both first and second liens, as well as a Home Equity line of credit.

Auto Loans
Let us finance your next new or used car. Competitive fixed rates of interest are available for up to SIX years for a used auto, and up to SIX years for a new auto. We offer fast, friendly service and payment terms to fit your monthly budget.

Commercial Loans
We know the importance of keeping business within the local community. We can meet your commercial lending needs with fast and friendly service.

Construction Loans
Building that new home of your dreams can now become a reality. Our construction loans are typically for one year with a flexible draw schedule. Our prompt inspections ensure timely disbursements.

Visa
We offer this card with an independent community bank advantage.

Retirement Accounts

An IRA is the best way to save for your retirement. By contributing every year, you can build a tax-deferred nest egg that will mean a more secure future upon retirement. Please check with your tax advisor to determine deductibility.  We offer retirement benefit solutions customized to suit your personal or business needs. If your organization already has an existing plan, or is considering starting a new plan, your advisor can work with you to find the right plan to suit your unique situation.

The bank offers several investment options for your IRA savings:

Traditional IRA
The earnings in a Traditional IRA grow tax-deferred until they are withdrawn. Depending on your income, contributions to Traditional IRAs are also tax-deductible up to the full amount of the contribution.

Roth IRA
A Roth IRA is similar to a Traditional IRA in many ways, the major difference being that the contributions to a Roth IRA are not tax-deductible. Also, the interest earned accumulates tax free. The Roth IRA must be specified as such when the account is opened.

Coverdell Education Savings Accounts
The purpose of this account is to provide people with a tax-advantaged savings instrument for educational needs. The funds contributed to this account are viewed as a gift to the designated beneficiary under the age of 18. It is extremely important that the funds contributed to this account be coordinated with other educational payment plans.

Trust & Estate Services

Estate Planning, Wills and Trusts

You don’t have to be wealthy to benefit from our trust services. We can fill your need for an Executor, Administrator, Trustee, Guardian, or Custodian. See one of our trust officers. He will help you determine if you might benefit from our trust services, either now, or in the future. It’s also a good idea to consult your attorney and accountant for a comprehensive financial picture.

Cemetery Trust Services

For Now and Into the Future – Who will care for your Trust if you can’t?

For many years, you and your fellow board members have managed the cemetery that is in your care. You take your responsibility seriously. But what would happen if, for some reason, your church or your board were no longer there to do what needs to be done? Continuity is an important part of any Cemetery Trust, and Pennsville National Bank can help. We can make sure that the necessary services expected of your Cemetery Trust continue to be provided, now and into the future. Peace of mind – you can have it with Pennsville National Bank.

What We Can Do For You

Managing a Cemetery Trust can be a complicated and time-consuming task, especially when it comes to financial and investment matters. Pennsville National Bank has been providing financial and investment services to our customers for over forty years. Let our experienced Trust Officers partner with you to help you carry out the responsibilities of your Trust.

Other Services

24 Hour Bank-by-Phone System

You can access and retrieve financial information 24 hours a day, 7 days a week from any touch tone telephone.

• In Calling Area: 856-678-9013
• Out of Calling Area: 1 (866) PNB-1234 (1-866-762-1234)
• Follow the voice prompts.

Internet Banking

We offer the most secure website available. You can access and retrieve financial information at any time from any computer with internet access. (Please be very careful if using a public computer or unsecure wifi connection!) Bill payment by internet is also available for a monthly fee.

Internet Banking Login

Automatic Teller Machine (ATM)
24 hour banking from coast to coast at any ATM machine.

Safe Deposit Boxes
Fire safe and burglar-proof protection for your valuables.

Other Services Include:

• Money Orders
• Wire Transfers
• Night Depository