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55+ Checking

55+ Checking - Your Senior Checking Account

Q: Is my money insured in my 55+ Checking account?

Yes. Peoples Security Bank & Trust is FDIC-insured. Your deposits are protected up to $250,000 per depositor, per account ownership category.

Q: Are free checks included?

Yes. Your first order of standard PSBT-style checks is included at no cost.

Simple, Affordable Senior Banking for Pennsylvania, New York & New Jersey.

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or find a branch in PA, NY, or NJ

Banking Built for Your Stage of Life

55+ Checking from Peoples Security Bank offers straightforward senior checking accounts designed for customers aged 55 and older. Available at any of our 40 branches across Pennsylvania, New York, and New Jersey, this account gives you unlimited deposits and withdrawals, free online and mobile banking, and access to 55,000+ surcharge-free ATMs nationwide—all with just a $25.00 opening deposit.

Qualify for monthly service charge reimbursement by maintaining a $25.00 average daily balance* or setting up direct deposit. With a free MasterCard® debit card, free PSBT-style checks, and person-to-person payments through Zelle®, you get simple banking that works the way you do.

Why Choose 55+ Checking?

Get Started in Minutes

Complete our quick form online or visit any of our 40 branches in PA, NY, and NJ.

Avoid Fees*

Just $25 average daily balance* or direct deposit keeps your account fee-free.

Unlimited Transactions

Make as many deposits and withdrawals as you need without transaction limits.

Free Debit Card

Get a MasterCard^® debit card with enhanced security and worldwide acceptance at no cost.

Free Standard Checks

One free box of PSBT-style checks per year is included with your account.

55,000 Surcharge-Free ATMs

Access cash nationwide through the Allpoint^® network without ATM fees.

Low $25 Minimum to Open

Start banking with just a small opening deposit.

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or find a branch in PA, NY, or NJ

What You Get With Your Account

Unlimited Transactions
No limits on deposits and withdrawals. Daily debit card transaction limit is 25.

Free MasterCard^® Debit Card
Enhanced benefits and worldwide acceptance

55,000+ Surcharge-Free ATMs
Allpoint^® network access nationwide

Free Person-to-Person Payments
Send money instantly with Zelle^®

Free Online & Mobile Banking
24/7 account management from any device

Free Credit Monitoring
Track your credit score at no cost

Mobile Check Deposit
Deposit checks from your phone

Electronic Statements
Free paperless statements; $2.00 for paper if preferred

Low $25.00 Minimum Opening
Easy to get started online

55+ Checking Account Specifications

Account Feature	Details
Eligibility	Age 55 and older
How to Open	Complete our online form or visit any of 40 branches in PA, NY, NJ
Minimum Opening Deposit	$25.00
Monthly Service Charge	$5.00
How to Avoid the Fee	Maintain $25.00 average daily balance^* OR set up recurring direct deposit to qualify for monthly service charge reimbursement
Transaction Limits	Unlimited deposits and withdrawals
ATM Access	55,000+ surcharge-free ATMs through Allpoint^® network
Available Locations	40 branches across Pennsylvania, New York, and New Jersey

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or find a branch in PA, NY, or NJ

Keep More of Your Money with Fee-Free Banking

Qualify for $5.00 monthly service charge reimbursement by choosing either of these options:

Option 1: Maintain $25 Average Daily Balance
Keep at least $25.00 in your account each day. Maintain an average daily balance^* of $25.00 or more during the statement period to qualify for monthly service charge reimbursement.

Option 2: Set Up Direct Deposit
Receive at least one recurring direct deposit per statement cycle. Qualifying direct deposits include:

Employer payroll
Social Security benefits
Pension payments
Government benefits

Tip: Most customers choose direct deposit because it also provides faster access to funds and an automatic fee waiver without worrying about daily balances.

Perfect For Everyday Bankers

Recent Retirees
Simple senior checking accounts with no complicated requirements—just maintain an average daily balance^* of $25.00 or set up direct deposit to qualify for service charge reimbursement. Ideal for managing Social Security and pension income.

Direct Deposit Users
Receive your paycheck, Social Security, or pension via direct deposit and automatically qualify for monthly service charge reimbursement—truly free senior checking accounts.

Budget-Conscious Customers
Low $25 opening deposit and easy service charge reimbursement make this one of the most accessible senior checking accounts for managing daily expenses without paying for features you don't need.

Senior Checking Account FAQs

Are there transaction limits on 55 Checking accounts?

No. You get unlimited deposits and withdrawals. The daily debit card transaction limit is 25 transactions.

Where can I find surcharge-free ATMs for my 55 Checking account?

Access 55,000+ surcharge-free ATMs nationwide through the Allpoint^® network. Use the Allpoint^® ATM locator app or website to find locations near you.

What counts as direct deposit for my 55 Checking account?

Qualifying recurring direct deposits include employer payroll, Social Security benefits, pension payments, and government benefits. One-time transfers from other accounts do not qualify.

How much should I keep in my 55 Checking account?

If you don’t have direct deposit, maintain at least $25.00 average daily balance* to qualify for service charge reimbursement. Many customers keep enough to cover monthly bills plus a small buffer.

Can I deposit checks with my phone to my 55 Checking account?

Yes. Free mobile check deposit is included with your account through our mobile banking app.

Is my money insured in my 55 Checking account?

Your deposits are insured up to applicable FDIC limits, currently $250,000 per depositor, per insured bank, for each account ownership category.

Do I need to be exactly 55 to open this account?

You must be 55 years of age or older when you open the account.

Are free checks included?

Yes. One order of standard PSBT-style checks per year is included at no cost.

Ready to Experience Better Banking?

Open your 55+ Checking Account online in minutes or visit any of our 40 branches across Pennsylvania, New York, and New Jersey.

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.

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or find a branch in PA, NY, or NJ

DISCLOSURES*

*Average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.