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Personal Checking Accounts

Take Control of Your Finances

You need a checking account that is easily accessible and packed with features so you can make your day-to-day banking easy and fast! With so many options available, we can recommend the best product to fit your financial needs.

All PSBT Checking Accounts come with:

Overdraft Services

OOPS! Anyone can make a mistake now and then.

Overdraft Privilege

For your account and/or your Mastercard Debit Card service.

This optional service may cover your overdrafts, up to your agreed upon limit, so you can avoid the inconvenience of returned payments or declined card transactions. There is a $35 per item fee for this service.

Overdraft Protection

For just $10 per transfer, we’ll sweep available funds from your linked savings account to your checking account to cover an overdraft. You avoid any embarrassment and avoid a higher overdraft charge.


(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 SavvyMoneyTM. Must be currently enrolled in PSBT Online Banking in order to use this credit monitoring service.

(3) A minimum initial deposit of $25 is required to open this account.

(4) Call for current rates.

(5) A service charge of $12 will be assessed each monthly statement cycle when combined balances totaling $5,000 are not maintained in eligible accounts including primary checking,  savings or certificates of deposit. 

(6) Available to personal and sole proprietor accounts only; other business and corporate entities do not qualify. Bank rules and regulations apply. Ask us for details.

(7) An $8 monthly fee if the minimum daily balance falls below $1,000.

(8) One free order of basic style checks per year.

(9) NO ATM fees at PSBT ATMs, and you can be reimbursed up to $10 of non-PSBT ATM fees per statement cycle.

(10) Bill Pay is available through PSBT Online Banking.