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Small Business Checking - Available for Businesses in PA, NY, & NJ

A Small Business Checking Account With Big-Bank Features & Community-Bank Service

Your business deserves a checking account that grows with you. Peoples Security Bank & Trust’s Small Business Checking Account is specifically designed for small businesses, entrepreneurs, startups, sole proprietors, and freelancers in Pennsylvania, New York, and New Jersey. We provide low-cost, convenient, and accessible small businesses banking tailored to your unique needs.

With 250 free transactions per month and no monthly fee when you maintain an average balance of just $100*, this account keeps banking simple and affordable, allowing you to focus on running your business.

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Explore PSBT's Small Business Checking Features

Peoples Security Bank & Trust’s Small Business Checking account is designed to support the everyday needs of growing businesses. Explore the features in the drop-downs below to see how this account helps simplify your finances, manage cash flow, and keep you connected, whether you're in the office or on the go.

Low Opening Deposit: Start with just $100.
No Monthly Fee With Balance Requirement: Maintain an average daily balance of $100* and avoid the $5 monthly charge entirely.

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250 FREE Monthly Transactions: Designed for growing businesses with moderate transaction volumes.
Transparent Fees: Just $0.35 per additional transaction beyond 250.

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Secure FREE Online Banking: Manage accounts, pay bills, and transfer funds from your office or home.
Mobile App Convenience: Use the PSBT Mobile App for deposits, alerts, and account access.

Free MasterCard® Debit Card: Make purchases worldwide with enhanced security.
Extensive ATM Network: Access over 55,000 surcharge-free Allpoint® ATMs globally.

QuickBooks® Integration: Connect your checking account for easy accounting.
Free Bill Pay & Interbank Transfers: Move money securely without extra fees.

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Regional Banking Specialists: Visit one of 39 local branches.
Personalized Service: Get expert advice tailored to your business goals.

LOCATIONS

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Is Our Small Business Checking the Right Fit for You?

This account is ideal for businesses that:

Conduct moderate transaction volumes (up to 250 per month).
Want straightforward, low-cost banking solutions.
Value convenient digital banking and local support.
Operate primarily within Pennsylvania, New York, or New Jersey.

As your business grows, PSBT has scalable solutions, including higher-tier checking accounts and advanced financial services.

Opening Your Business Checking Account Is As Easy As 1, 2, 3

Getting started with Peoples Security Bank & Trust’s Small Business Checking is simple:

1. Choose How You Open:

Visit any branch in PA, NY, or NJ.
Call our customer service team at 1-844-PSBT-NOW.

2. Prepare Your Documents:

Personal identification
Business EIN or Social Security Number
Initial deposit of $100

3. Start Banking:

Receive your debit card immediately at the branch or by mail shortly thereafter. Activate online and mobile banking to simplify your financial management right away.

Our friendly staff will guide you every step of the way.

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Looking for More Ways to Manage Your Business Finances?

Explore Cash Management and Treasury Services from Peoples Security Bank & Trust, designed to support businesses throughout Pennsylvania, New York, and New Jersey. From fraud protection and ACH tools to sweep accounts and payment solutions, our team offers secure, flexible options to help you optimize cash flow and streamline operations, in addition to your business money market account.

CASH MANAGEMENT & TREASURY SERVICES

Protect your business account with Positive Pay fraud prevention, available through Peoples Security Bank & Trust’s Cash Management Services. Positive Pay helps safeguard against check and ACH fraud by matching transaction details to a list you provide, flagging unauthorized or altered payments before they post. With easy setup, real-time alerts, and no need to change your account or checks, it's a smart, secure way to reduce your risk and maintain greater control over your business finances.

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Included With Your PSBT Small Business Checking Account

$100.00 minimum opening deposit*
250 free transactions per month
$0.35 per item over 250
$5.00 monthly service charge if average daily balance falls below $100.00
FREE MasterCard® Debit Card with enhanced benefits
Access to 55,000+ surcharge-free ATMs via the Allpoint® network
FREE Online & Mobile Banking
FREE Bill Pay (excludes Commercial Checking)
FREE online interbank fund transfers
FREE electronic statements ($2.00 paper statement fee unless otherwise indicated)
Access to QuickBooks® for simplified bookkeeping
And much more!

Discover What Personalized Small Business Banking Really Looks Like

Join Peoples Security Bank & Trust today. Open your Small Business Checking Account and experience banking designed specifically for your growing business.

Visit a branch, call us at 1-844-PSBT-NOW, or contact us online to start simplifying your business finances today.

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DISCLOSURES*

*Average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.