Services

Checking Accounts

Personal Freedom Checking

Unlimited checking that has no balance requirement. Cancelled checks are stored at the bank. Monthly fee of $1.00 for a Visa Check Card.  No charge for BillPay/Internet banking.  Monthly statements are either mailed or E-Statements are available.  First order of American Flag checks is waived.

Personal Interest Freedom Checking

This interest-bearing checking account has a monthly service charge of $5.00 with an additional charge of $5.00 if the average monthly balance falls below $500.00. Cancelled check images are returned with your monthly bank statement.  No fee for BillPay/Internet banking and no monthly fee for having a Visa Check Card.  First order of American Flag checks is waived.

Business Freedom Checking

Unlimited checking that has a monthly service charge of $5.00 with an additional charge of $6.00 per month if the average monthly balance falls below $400.00.  Cancelled check images are returned with your monthly statement.  First order of American Flag checks is waived.

Business Interest Freedom Checking

This interest-bearing checking account has a monthly service charge of $5.00 with an additional charge of $10.00 per month if the average monthly balance falls below $500.00.  Cancelled check images are returned with your monthly statement.  First order of American Flag checks is waived.

Non-Profit Freedom Checking

This account is available to Non-Profit organizations which features Unlimited check writing with no balance requirement. Cancelled checks are returned with your monthly statement. Monthly statements either mailed or E-Statements are available. First order of American Flag checks is waived.

Savings & Investment

Premier Savings Account/Premier Business Savings Account

This savings account has tiered interest rates based on the balance in the account. Rates increase on balances over $500.00, $5,000.00, $25,000.00, $50,000.00, and $100,000.00.  A $2.00 service charge is assessed if the average balance at the end of each quarter is below $50.00. An ATM card is available along with unlimited in person withdrawals.  Quarterly statements are sent to account holder.

 Money Market Account

The Money Market account pays more interest on higher balances.  You will earn a competitive rate of interest on balances up to $5,000.00.  Higher rates are earned for balances over 5,000.00, $25,000.00 and $100,000.00.  Unlimited in person withdrawals with three checks allowed to be written each month.  More than three checks will result in a $10.00 fee for each check over the three.  There is a $2.00 fee each month if the average monthly balance falls below $50.00.  First order of Money Market Checks is waived.

Certificates of Deposit

Our certificates of deposit earn competitive rates of interest.  We have various terms available, and they are especially advantageous because the minimum deposit with all our certificates is only $500.00.

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.

DOWNLOAD the Pennsville National Bank Estate Planning Brochure (PDF)

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.

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

Contact Us

Apply for a Loan

If you have lost your ATM card or VISA Check Card and are unable to reach us during regular hours, please call 1-800-472-3272.