personal money market accounts & cards - Peoples State Bank Wisconsin

money market accounts

Money Market Accounts

Our Money Market Account is a smart way to earn higher interest on your investment dollars. Multiple tiers let you choose your earnings.

  • Earn interest based on national market rates and other factors as determined by the bank.
  • Variable interest earned is compounded and credited monthly.
  • Regulation D limitations apply regarding transactions (See Additional Account Related Information).

Six free in person withdrawals per month. $1.00 per withdrawal in excess of 6 per month.

Peoples Advantage Money Market Account

Requires maintaining a $2,500 daily minimum balance to avoid a $10 monthly maintenance fee.

  • $0-$9,999 Daily Collected Balance
  • $9,999-$24,999 Daily Collected Balance
  • $25,000-49,999 Daily Collected Balance
  • Greater than $50,000 Daily Collected Balance



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Additional Account Related Information
Please see the Service Fees enclosure card for other fees that apply to your Peoples State Bank account including NSF, Stop Payment and other related charges.

Interest rates and annual percentage yields (APYs) are published weekly at your nearest Peoples location.

Specific interest rate information on your account will be provided prior to opening an interest-bearing account. Interest rates on interest bearing checking, money market and savings accounts are variable, and may change at our discretion. Interest is calculated using the daily balance method. This method applies a daily periodic rate to the collected principal balance in the account each day. Interest is compounded and credited based on actual days per year. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Fees applied to your account may affect earnings.

Limitations on all Money Market and Savings Accounts:
Federal Reserve Regulation D prohibits more than six preauthorized transfers per statement cycle.

Once the account has violated the Regulation D limits twice, the Bank will automatically close the account, remove its transfer and draft capabilities, or convert it to a non-interest bearing account.

The Bank reserves the right to convert a personal account to a business account when the account is being used for business purposes. Examples include when the printed checks for the account include a “doing business as” (d/b/a) designation or when the deposits being made to the account include checks made payable to a business. You will receive a notice regarding a conversion of your personal account to a business account.


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