"The funds available at ATM's and merchants for the use of POS transactions may include your available Ready Reserve balance or may overdraw your account.  You may use your Instant Cash and Check Card to obtain cash advances or to make POS transactions, but if your Ready Reserve Funds are accessed or if you overdraw your account, finance charges or overdraft fees will occur."

“Peoples State Bank has chosen not to participate in the FDIC's Transaction Account Guarantee Program. Customers of Peoples State Bank with noninterest-bearing transaction accounts will continue to be insured up to $250,000 under the FDIC's general deposit insurance rules."