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Personal Checking Accounts

Take Control of Your Finances with Personal Checking in PA, NY, & NJ - including features like free digital banking, credit monitoring, surcharge-free ATMs, and more.

At Peoples Security Bank & Trust, we offer a range of personal checking accounts designed to keep up with your daily financial needs. Whether you prefer managing your money online, in person, or on the go, our accounts are built for convenience, with features like unlimited transactions, mobile banking, and access to over 55,000 surcharge-free ATMs.

With 39 branches across Pennsylvania, New York, and New Jersey, you’ll always have support nearby. Not sure which account is right for you? Our team is here to help you choose the option that best fits your lifestyle and financial goals. Open an account today and see why we’re the best bank for checking in PA, NY, & NJ.

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Or find a branch in PA, NY, or NJ

All PSBT Personal Checking Accounts Include:

Free Digital Banking¹

Manage your checking account anytime with secure online and mobile banking.

Free Credit Monitoring²

Stay on top of your credit with free access to credit monitoring tools.

Free Debit Card

Make everyday purchases easily with your free debit card, accepted nationwide.

Free Mobile Deposit¹

Deposit checks from your phone—no trip to the branch needed.

55,000+ surcharge-free ATMs

Get cash when you need it at thousands of ATMs across the country.

Free payments with Zelle®³

Send or receive money from friends and family in minutes with Zelle®.

Local Banking Across 39 Convenient Branches

Enjoy local banking with personalized service at any of our 39 convenient locations in Pennsylvania, New York, & New Jersey.

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Or find a branch in PA, NY, or NJ

Everyday Checking
Designed to meet your day-to-day banking needs with a hassle-free experience.
- Low minimum balance
- Unlimited withdrawals
- Unlimited deposits
Learn More
MaxEarnings Checking
A checking account designed for customers looking to earn interest.
- Tiered interest rates
- Premium interest rate when you meet qualifications
Learn More
55+ Checking
A simple account for an active lifestyle.
- Low minimum balance
- FREE PSBT style checks
- Unlimited withdrawals & deposits
Learn More
Student Checking
Start strong and build your financial foundation with our Student Checking account.
- NO minimum balance
- NO service charges
- Unlimited deposits & withdrawals
Learn More
Interest Checking
Keep your funds flexible and growing! This account is the perfect blend of access and earnings.
- Earns variable interest rate
- Low initial deposit requirement
- Unlimited deposits & withdrawals
Learn More
Empower Checking
Sometimes we all need a fresh start - let us help you get there.
- NO minimum balance
- NO service charges
- Unlimited deposits & withdrawals
Learn More

DISCLOSURES

(1) Must be currently enrolled in PSBT Online Banking in order to use our Mobile Banking Service.

(2) This credit monitoring program is available through our partner SavvyMoney^TM. Must be currently enrolled in PSBT Online Banking in order to use this credit monitoring service.

(3) Excludes Empower Checking and Student Checking.

FULL ACCOUNT DISCLOSURES ARE AVAILABLE UPON REQUEST.

Additional Personal Checking Account Features:

FREE MasterCard® Debit Card with enhanced benefits
Access to over 55,000 surcharge-free ATMs on the Allpoint® network worldwide
FREE person-to-person payments with Zelle®
(excludes Empower & Student Checking)

FREE Online & Mobile Banking
FREE Credit Monitoring with Credit Score
FREE electronic statements ($2.00 paper statement fee unless otherwise indicated)

GET IN TOUCH

Or find a branch in PA, NY, or NJ

Personal Checking FAQs

To open a checking account at Peoples Security Bank & Trust, complete this quick form, CHAT with us, call us at 1.844.PSBT.NOW, or stop by any of our community offices across Pennsylvania, New York or New Jersey to speak with a banker today.

You can download the PSBT mobile app on the App Store (Apple) or Google Play (Android and Google devices).

Yes, you can connect your checking and savings accounts. With free mobile and online banking, you can access both your savings and checking accounts from your mobile device or computer, transfer money between accounts, check balances, and more.

Yes, PSBT’s checking accounts are interest-bearing. You can view current deposit rates HERE. To maximize your checking account, consider opening our MaxEarnings Checking Account today and earn an impressive interest rate that’s higher than the national average!

VIEW RATES

You can order checks for your personal checking account by calling us at 1.844.PSBT.NOW, or stop by any of our 39 community offices across Pennsylvania, New York or New Jersey. If you’ve previously ordered checks, you may utilize online banking to reorder checks today.

Peoples Security Bank & Trust’s checking accounts require a low, one-time $25 minimum opening deposit.