About PNB

Peoples National Bank was established in June 1986 with a local Board and Management Team who shared the dream of serving our hometown. We are one of the few, truly locally owned and operated banks serving Okaloosa and Walton Counties. Our mission is to remain large enough to service your banking needs, yet small enough to deliver them with a personal touch . . . that's what we call the PNB Connection!

We offer a variety of loan products for personal and business needs, remembering that your time is valuable. Our decisions are made quickly, right here in your local office. Our personal and business account products offer you peace of mind and flexibility. Come into one of our offices in Niceville, Freeport or DeFuniak Springs and check out the PNB Connection for yourself.

Peoples National Bank encompasses a relationship with our customers, based on solid principles of quality, integrity and trust. The PNB Connection can help you plan your financial future, set goals and discover the banking freedom you deserve. Part of our commitment to you is providing a connection to us, the people of Peoples National Bank.


Cyber Security 
Check out our Cyber Security Page, at the top of the page, next to the Loans Page.

Touch Tone Teller
Check account balances, get rates, transfers funds, etc.

866 • 678 • 5562

Lost or stolen Check Card or ATM/Debit Card
Report it fast
Click here to determine which number to call.

24 Hour Access
PNB offers 24 hour access for all your banking needs with ATMs at all locations, free Internet Banking with Bill Pay, and free Touch Tone Teller Services.


6 Month Certificate of Deposit

Minimum Deposit Minimum Balance Interest Rate APY
$10,000 $10,000 0.20% 0.20%

12 Month Certificate of Deposit

Minimum Deposit Minimum Balance Interest Rate APY
$10,000 $10,000 0.40% 0.40%

24 Month Certificate of Deposit

Minimum Deposit Minimum Balance Interest Rate APY
$10,000 $10,000 0.50% 0.50%

External Link Disclosure

By accessing this link, you will be leaving the Peoples National Bank's web site and entering a web site hosted by another party. Although Peoples National Bank has approved this as a reliable partner site, please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of Peoples National Bank's web site. The other party is solely responsible for the content of its web site. We encourage you to read and evaluate the privacy and security policies on the site you are entering, which may be different than those of Peoples National Bank.

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