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Business Savings

Your Money Should Work Harder Than You Do

We understand the time and money that you need to invest in your business. Whether you are looking to maintain liquidity, increase your reserves, or both, we have a savings solution to help your business grow.


Free Digital Banking


Free Business Debit Card


Access to Quickbooks


Customized Sweep Solutions

Business CDs

Peoples Security Bank & Trust offers CDs for various terms with competitive interest rates7.

  • Fixed interest rate
  • Full range of maturity date options from 3 months up to 84 months
  • Choice of interest payment options
  • Competitive rates

Money Market Account8

This account earns a competitive rate of interest on your funds. Tiered balances offer you the benefit of earning more interest based on your account balance.

  • $2,500 minimum initial deposit
  • NO monthly service charge with a minimum balance of $2,5009
  • Interest is based on the following tiers10 
    • $2,500.00 - $24,999.99
    • $25,000.00 - $49,999.99
    • $50,000.00 - $499,999.99
    • $500,000.00 - $4,999,999.99
    • $5,000,000.00 or more

DISCLOSURES

(1) Transfer and withdrawal restrictions: As per Regulation D, Savings Account depositors are not permitted to make more than six (6) restricted transfers or withdrawals in any combination per statement cycle. RESTRICTED TRANSFERS AND WITHDRAWALS include automatic or electronic transfers to the account of the same depositor at Peoples Security Bank and Trust if made by autodraft to/from checking or savings; automatic transfers by Telephone Banking, Online Banking or Mobile Banking. Transfers or withdrawals to third parties each month include ACH preauthorized transfers and Automatic transfers by telephone or PSBT Online Bill Pay. UNRESTRICTED TRANSACTIONS: An unlimited number of savings withdrawals or transfers are allowed when made between accounts of the same depositor in the following situations: in person, by ATM, by telephone with a check mailed to the customer, or to repay a loan at PSBT by autodraft.

(2) $5 monthly service charge for balances below $100.

(3) Variable interest rate subject to change at bank’s discretion. Interest is compounded quarterly and paid quarterly to account at the end of the following months: February, May, August and November.

(4) Accounts enrolled to receive electronic statements only will not incur a statement fee. A $2 paper statement fee will be charged per statement cycle effective 10/1/22. Must be currently enrolled in PSBT Online Banking in order to receive eStatements.

(5) $25 service charge each quarter if balance falls below $2,500.

(6) Variable interest rate subject. to change at bank's discretion. Interest is compounded quarterly and paid quarterly at the end of the following months: March, June, September and December.

(7) Rates are subject to change at the bank’s discretion. You may contact any branch location to obtain the most current rate and APY information. For variable rate accounts, rate may change after account opening. Minimum balance required to open/obtain Annual Percentage Yield (APY). A penalty may be imposed for early withdrawal. Fees may reduce earnings.

(8) Transfer and withdrawal restrictions: Money Market Account depositors are not permitted to make more than six (6) restricted transfers or withdrawals in any combination per statement cycle. RESTRICTED TRANSFERS AND WITHDRAWALS include automatic or electronic transfers to the account of the same depositor at Peoples Security Bank and Trust if made by autodraft to/from checking or savings; automatic transfers by Telephone Banking, Online Banking or Mobile Banking; or checks payable to a third party. Transfers or withdrawals to third parties each month include ACH preauthorized transfers and Automatic transfers by telephone or PSBT Online Bill Pay. UNRESTRICTED TRANSACTIONS: An unlimited number of savings withdrawals or transfers are allowed when made between accounts of the same depositor in the following situations: in person, by ATM, by telephone with a check mailed to the customer, or to repay a loan at PSBT by autodraft.

(9) $8 monthly service charge if daily balance falls below $2,500.

(10) Interest rates are variable. Balances between $1,000-$2,499 will accrue interest at the prevailing NOW account rate. Call your local branch or visit our Rates page for current rates.

FULL DISCLOSURE OF OUR SAVINGS, CD OR MONEY MARKET ACCOUNTS IS AVAILABLE UPON REQUEST.

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