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Bonus Benefits



Quality Coverage

As a valued customer of Whitaker Bank, we provide a courtesy service that may pay items that would otherwise overdraw your personal checking account. Items presented for payment may be paid up to your Quality Coverage Limit (including fees). Naturally, our bank offers Quality Coverage as a convenience service and is under no obligation to pay items when your funds are non-sufficient.

There is no annual fee, only the standard overdraft fee of $34.00 applies for each insufficient item presented for payment. If you do not restore your overdrawn account to a positive balance within 30 days, your participation in Quality Coverage is suspended. This unique service covers otherwise returned checks, in-person withdrawals, ATM withdrawals, or other electronic withdrawals.

Contact your local branch to learn more about Quality Coverage.

Savings Overdraft Protection

Protect yourself from overdraft! With Whitaker Bank’s Savings Overdraft Protection option, an automatic transfer from your savings account will prevent you from accidentally overdrawing your checking account! For only $8 per transaction, you can avoid the time, fees, and hassle normally associated with an overdraft.

Debit Cards

Use your Whitaker Bank Debit Card for all of your everyday purchases. It’s safe, convenient, and accepted anywhere that takes VISA. Your purchases are deducted from your primary checking account, just like a check.

Visit the Whitaker Bank branch nearest you to sign up for your Visa debit card.

For assistance in stopping card activity in the event your card is LOST or STOLEN, please contact your local branch or our 24-hour toll-free “Hot Card” number immediately 1(800) 472-3272.

Phone Smart

Get smart with phone smart! Yet another convenient FREE 24-hour banking option to take advantage of at Whitaker Bank! With Phone Smart, access your accounts anytime, anywhere, and anyplace.

You can use Phone Smart to check the balances on all of your accounts! From deposits to loans, Phone Smart lets you review the most recent transactions on your account. Can’t make it to the bank? You can also transfer funds from one Whitaker Bank account to the other right over the phone! Call Phone Smart to learn about our convenient banking hours and discover a Whitaker Bank location near you.

With Phone Smart, 24-hour banking is only a phone call away!

Phone Smart Numbers:

Whitaker Bank (800) 742-2265
Peoples Bank (800) 943-5251

How it works:

Have your account number(s) and PIN handy (Personal Identification Number). The first time you call, your PIN will be the last four digits of the social security number of the person listed first on your monthly banking statement. During this first call, you will be instructed to change your PIN to a new four-digit number. You will not need to change the PIN for each account you have, you can use the same PIN for all of your accounts. Now you are ready to bank by phone! Listen to the menu options to select how you would like Phone Smart to help you.

Check Smart

Reconciling your monthly statement is easy with Check Smart! Check Smart uses an innovative check imaging system to sort your cancelled checks and arrange them in order according to the month in which they were written. Your statements are delivered already hole-punched and ready to file in your Check Smart binder! Whitaker Bank’s Check Smart is the smart and convenient way to reconcile your checkbook.

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