Peoples' State Bank

Frequently Asked Banking Questions

Q Do I have to live or work in Columbia County, Florida in order to open an account with Peoples State Bank?
A As a community bank, we are dedicated to meeting the needs of people and businesses located in Columbia County and Lake City, Florida. In order to keep our focus locally based we do not conduct business out-of-state, internationally, or with customers outside of the counties that border Columbia (Alachua, Baker, Hamilton, Suwannee and Union).

Q How do I set up Direct Deposit of my payroll check?
A After you have opened a checking account with our bank, you will receive Peoples State Bank's routing and transit number and your account number. If your employer participates in a direct deposit program, simply provide this information to the human resources or payroll department at your company, and your direct deposit will usually begin within thirty days.

Q How do I set up Direct Deposit of my Social Security check?
A After you have opened a checking account with our bank, you will receive Peoples State Bank's routing and transit number and your account number. Simply contact us, and have your Social Security Number and account information available to set up your direct deposit right over the phone. If you visit our bank to open your account in person, we can do this at the time you open your account.

Q Can I get information about my account by phone?
A Yes! Account information is available with our Customer Service Representatives during business hours at our office.

Q What products can I apply for online?
A Check out Peoples State Bank's Products & Services page to see which accounts you can apply for online.

Q Can businesses have accounts at Peoples State Bank?
A At this time, Peoples State Bank does not offer online accounts for businesses. We update our Products and Services section as new accounts are offered so check back with us. If we don't have exactly what you're looking for now, we may add it very soon!


Q Does Peoples State Bank offer IRAs online?
A Currently, Peoples State Bank does not offer IRAs online; however, we continually update our Products and Services section so check back with us soon! To see what we currently offer, visit our Personal Banking page.

Q Is interest paid on Peoples State Bank checking accounts?
A Yes! If you want a checking account that pays a market rate of interest, check out Money Market Checking.

Q Can I open an account if I don't live in the United States? What if I live in the United States but am not a citizen yet?
A As stated on our application, at this time, we only accept applications from persons residing within the United States with valid U.S. tax identification numbers (Social Security Numbers). If you have questions, contact us. We'd like to hear from you.

Q Can I do all of my banking with Peoples State Bank?
A Yes! Thanks to the convenience of Direct Deposit and ATMs, everyday banking activities can be performed from the comfort of home. Contact us with questions about your banking needs.

Q Can I look at all of my transactions at any time?
A Yes! With Online Banking, you have access to your account information 24 hours a day, 7 days a week!

Q How frequently is my Peoples State Bank information updated?
A Peoples State Bank updates all customer information nightly. Whether you access our Online Banking site or visit our customer service department, your account information is updated every day to reflect all account activity.

Q Are wire transfers possible to and from my Peoples State Bank checking account?
A Yes! Funds can be transferred to and from Peoples State Bank accounts by wire transfer or via ACH (Automated Clearing House) debits or credits. Call our customer service department at 1-386-754-0002 for details.

Q How do I make a deposit to my account from a remote location?
A You can do most of your banking by using direct deposit, ATMs or ACH (Automated Clearing House) transactions. Peoples State Bank also offers a bank-by-mail service which allows you to mail non-recurring deposits. Contact us for details on a method that's best for you.