What personal banking products does Peoples Security Bank & Trust offer?

PSBT offers a full range of personal banking products including checking accounts, savings accounts, money market accounts, certificates of deposit (CDs), Traditional and Roth IRAs, CDARS and ICS for extended FDIC coverage, and personal loans. All accounts include free digital banking with mobile deposit, Zelle, bill pay, and credit monitoring.

What digital banking features are included free with PSBT accounts?

Every PSBT personal banking account includes free online banking, mobile banking app, mobile check deposit, Zelle for person-to-person payments, bill pay, digital wallet compatibility, credit monitoring, card management, and account alerts at no additional cost.

Where does Peoples Security Bank & Trust have branch locations?

PSBT has 40 branch locations across Pennsylvania, New York, and New Jersey, providing personal banking services throughout the tri-state region with local decision-making and community-focused service.

Does PSBT offer surcharge-free ATM access?

Yes, PSBT provides access to 55,000+ surcharge-free ATMs nationwide through ATM networks, allowing you to access your money conveniently without fees across the country.

What is CDARS and ICS at PSBT?

CDARS (Certificate of Deposit Account Registry Service) and ICS (Insured Cash Sweep) allow you to protect deposits exceeding the standard $250,000 FDIC insurance limit while maintaining one banking relationship with PSBT. This is ideal for customers with larger deposit balances seeking full FDIC protection.

How do I open a personal banking account at PSBT?

You can open select personal banking accounts online at psbt.com or visit any of our 40 branch locations across Pennsylvania, New York, and New Jersey. Most accounts require a minimum opening deposit of $25.

Log into Your Account

Enroll Now Log In

Forgot Password?

Download Our App

Hero

Personal Banking Built Around You

Your neighbors. Your bankers. Personal attention across PA, NJ & NY.

CHECKING SAVINGS LOANS RESOURCES

📱

Available Balance

$15,997.99

Free Digital Banking
Credit Monitoring
Surcharge-Free ATMs
Mobile Check Deposit
Bill Pay
Account Alerts

Popular Accounts to Get You Started

Pair our highest-earning checking and savings accounts to make your money work harder while you focus on what matters most.

FEATURED CHECKING ACCOUNT

MaxEarnings Checking

Earn premium interest on every dollar in your checking account when you meet simple monthly requirements.

5.00% APY¹

on balances up to $10,000.00

Free online & mobile banking
Unlimited transactions
55,000+ surcharge-free ATMs
Free MasterCard® Debit Card
$25 minimum opening deposit

Open Online Learn More

FEATURED SAVINGS ACCOUNT

MaxEarnings Saver

Boost your savings rate by linking to MaxEarnings Checking. No extra hoops, just higher earnings.

3.00% APY¹

on balances up to $24,999.99

Enhanced rates with linked checking
Earn from your first dollar
Unlimited deposits & withdrawals
Monthly compounding interest
$25 minimum opening deposit

Open Online Learn More

¹Annual Percentage Yields (APYs) are accurate as of 01/20/2026 and are subject to change. Fees may reduce earnings. MaxEarnings Checking qualifications: enroll in online statements, make 15+ debit card purchases of $5+, and have at least one direct deposit per statement cycle. MaxEarnings Saver enhanced rates require a linked qualifying MaxEarnings Checking account with active direct deposit. View current rates

Bank Anywhere with PSBT Digital

Every account includes free online banking, mobile check deposit, Zelle®, bill pay, and card management. A real person is always a call away.

Included free: PSBT Mobile App · Online Banking · Zelle® · Digital Wallet · Credit Monitoring

Explore Digital Banking

Personal Banking Products

Personal banking built around the way you live

Checking

From everyday banking to earning interest on your balance, accounts for every stage of life.

Learn More

Savings

Build your safety net or save for something special with accounts designed to grow.

Learn More

Money Markets

Earn competitive rates while keeping your funds accessible. Link checking for higher returns.

Learn More

Certificates of Deposit

Lock in a fixed rate with terms from 3 months to 5 years. FDIC insured.

Learn More

IRAs

Plan for retirement with tax-advantaged Traditional or Roth IRAs.

Learn More

CDARS® & ICS®

Protect deposits over $250,000 with full FDIC coverage through one bank relationship.

Learn More

Personal Loans

Finance a car, consolidate debt, or cover unexpected expenses with local decisions.

Learn More

Digital Banking

Manage accounts anytime with mobile deposit, Zelle®, bill pay, and more.

Learn More

Deposit Rates

Let's find the right product to make your money work harder for you. View our deposit rates to see which type of account could benefit you the most.

LEARN MORE