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55+ Checking - Your Senior Checking Account in PA, NY, & NJ

Take Control Of Your Finances with Senior Banking Solutions

The 55+ Checking account is designed to meet the specific financial needs of customers aged 55 and older, offering a simple and convenient way to manage your money. With easy access to your funds and minimal fees, this senior checking account helps you stay in control without the stress. Features like direct deposit provide added convenience, ensuring your payments arrive safely and on time. Whether you're handling everyday expenses or planning for future needs, this account offers practical solutions to support your financial lifestyle.

$25.00 minimum opening deposit.
FREE PSBT style checks
Unlimited withdrawals & deposits.
$5.00 monthly service charge if average daily balance* falls below $25.00 (fee is waived with a recurring direct deposit).

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Or find a branch in PA, NY, or NJ

Features That Fit Your Life

Peoples Security Bank & Trust 55+ Senior Checking Account

Our 55+ Checking Account is designed for individuals who want simplicity, value, and convenience—all with the personal service you’ve come to expect from your community bank.

FREE MasterCard® Debit Card with Enhanced Benefits

Every senior checking account for 55+ comes with a FREE MasterCard® Debit Card, offering built-in security features and additional benefits designed to protect your purchases and your peace of mind.

Over 55,000 Surcharge-Free ATMs

Avoid unnecessary fees with access to more than 55,000 surcharge-free ATMs through the Allpoint® network—available nationwide and around the world.

Fast, Free Person-to-Person Payments with Zelle®

Send money to friends, family, or anyone you trust using Zelle®, included at no cost with your account. All it takes is a few taps on your mobile device or online banking—no checks, no cash, and no hassle.

FREE Standard PSBT Checks

Enjoy added value with FREE standard checks included with your 55+ Checking account.

Online & Mobile Banking at No Charge

Our FREE Online and Mobile Banking tools allow you to check balances, pay bills, transfer funds, and even deposit checks—safely and securely from your computer or smartphone. Discover our Digital Wallet.

FREE Credit Monitoring and Credit Score Access

Get instant access to your credit score and receive alerts to help you monitor changes and protect your financial health. Stay informed and proactive about your credit profile.

Go Paperless with eStatements

All 55+ Checking accounts include FREE electronic statements, delivered securely to your online banking account.

Additional Perks

This account offers all the essential tools you need for everyday banking, plus a few extras to make life easier. From fraud monitoring to FDIC insurance, you can feel confident knowing your money is in good hands. And with our friendly local team ready to assist, help is always just a phone call or visit away. Get started and open your senior checking account today in Pennsylvania, New York, or New Jersey with Peoples Security Bank & Trust.

Get Started

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.