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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:

Free Digital Banking¹

Free Credit Monitoring²

Free Debit Card

Free Mobile Deposit¹

Freedom Checking
A FREE checking account³ that is designed to be simple and easy for everyone.
- NO minimum balance
- NO per check charge
- Unlimited check writing
Peoples Empower Checking
Sometimes we all need a fresh start - let us help you get there.
- NO minimum balance or monthly maintenance fees
- Convenient ATM access⁸
- FREE money orders or cashier’s checks⁹
Peoples Package Checking
An interest-earning checking account³ offering many additional features and benefits.
- Earns variable interest rate⁴
- NO monthly service charge with a combined balance of $5,000 or more⁵
- Free order of checks annually
Personal NOW Checking
A checking account^3,6 designed for customers looking to have interest-earning benefits.
- Earns interest with a balance of $1,000 or more
- No monthly service charge with a balance of $1,000 or more⁷

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.

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

(9) Four FREE money orders or cashiers’ checks available per month.

FULL DISCLOSURE OF OUR CHECKING ACCOUNTS IS AVAILABLE UPON REQUEST.