Everyday Checking | Open Online

Q: Can I open an Everyday Checking account online?

Yes, you can open an Everyday Checking account online in minutes with just a $25 minimum deposit. You can also open an account at any of PSBT's 40 branch locations across Pennsylvania, New York, and New Jersey.

Q: How do I avoid the monthly minimum balance fee on my Everyday Checking account?

You can avoid the $5.00 monthly minimum balance fee by either maintaining a $100.00 average daily balance during the statement period, or by setting up at least one recurring direct deposit per statement cycle. Qualifying direct deposits include employer payroll, Social Security benefits, pension payments, and government benefits.

Q: Are there transaction limits on Everyday Checking accounts?

No, Everyday Checking accounts have unlimited deposits and withdrawals. The daily debit card transaction limit is 25 transactions per day.

Q: Where can I find surcharge-free ATMs for my Everyday Checking account?

Everyday Checking account holders have access to over 55,000 surcharge-free ATMs nationwide through the Allpoint network. You can locate ATMs using the Allpoint ATM locator or through the PSBT mobile banking app.

Q: What counts as direct deposit for my Everyday Checking account?

Qualifying direct deposits include employer payroll, Social Security benefits, pension payments, and government benefits. At least one recurring direct deposit per statement cycle is required to waive the monthly minimum balance fee.

Q: How much should I keep in my Everyday Checking account?

To avoid the $5.00 monthly minimum balance fee, maintain an average daily balance of at least $100.00 during each statement period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing by the number of days in the period.

Q: Can I deposit checks with my phone to my Everyday Checking account?

Yes, mobile check deposit is included free with your Everyday Checking account. You can deposit checks anytime using the PSBT mobile banking app.

Q: Is my money insured in my Everyday Checking account?

Yes, deposits in your Everyday Checking account at Peoples Security Bank & Trust are FDIC insured up to the maximum amount allowed by law.

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Everyday Checking

Simple, Fee-Free Everyday Checking Accounts for Pennsylvania, New York & New Jersey

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or find a branch in PA, NY, or NJ

Open Your Everyday Checking Account Online in Minutes

Everyday Checking from Peoples Security Bank offers straightforward everyday checking accounts designed for daily transactions without complicated requirements. Available to open online or 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.

Keep a $100.00 average daily balance^* or set up direct deposit to avoid the monthly minimum balance fee, making this one of the most accessible everyday checking accounts in PA, NY, and NJ. With a free MasterCard® debit card, person-to-person payments through Zelle®, and 24/7 mobile access, you get simple banking that works the way you do. Apply online now to start managing your everyday finances with unlimited transactions and easy monthly minimum balance fee avoidance.

Why Choose Everyday Checking?

Open Your Account Online in Minutes

Apply from any device with our secure online application—no branch visit required. Start banking as soon as your $25.00 deposit clears.

Avoid Fees*

Keep a $100.00 average daily balance* or set up direct deposit to eliminate the $5.00 monthly minimum balance fee—fee-free everyday checking accounts for most users.

Unlimited Transactions

No limits on deposits or withdrawals —use your account as often as you need without worrying about transaction fees. Debit cards have a daily limit of 25 transactions.

Free Debit Card

MasterCard® debit card with enhanced benefits plus 24/7 account access through PSBT's mobile app—manage money from anywhere.

55,000+ Surcharge-Free ATMs

Access cash nationwide through the Allpoint^® network without ATM fees, plus free person-to-person payments with Zelle^®.

Low $25 Minimum to Open

Start with just $25.00 to open your account online—one of the lowest minimums for everyday checking accounts in Pennsylvania, New York, and New Jersey.

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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

Everyday Checking Account Specifications

Account Feature	Details
How to Open	Open online in minutes or visit any of 40 branches in PA, NY, NJ
Minimum Opening Deposit	$25.00
Monthly Minimum Balance Fee	$5.00
How to Avoid the Fee	Maintain $100.00 average daily balance* OR set up recurring direct deposit
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

How to Keep Your Everyday Checking Account Fee-Free

Avoid the $5.00 monthly minimum balance fee by choosing either of these options:

Option 1: Maintain $100 Average Daily Balance

Keep at least $100.00 in your account each day. Maintain an average daily balance* of $100.00 or more during the statement period to qualify for monthly minimum balance fee 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

First-Time Account Holders
Simple everyday checking accounts with no complicated requirements—just maintain an average daily balance^* of $100.00 or set up direct deposit for fee-free banking. Ideal for building banking history.

Direct Deposit Users
Receive your paycheck, Social Security, or pension via direct deposit and automatically waive the monthly fee—truly free everyday checking accounts.

Budget-Conscious Bankers
Low $25 opening deposit and easy-to-avoid monthly fee make this one of the most accessible everyday checking accounts for managing daily expenses without paying for features you don't need.

Everyday Checking Accounts FAQs

Can I open an Everyday Checking account online?

Yes. Our secure online application for everyday checking accounts takes about 5-10 minutes to complete from any device. You'll need a government-issued ID, Social Security Number, and $25.00 minimum deposit. No branch visit required—start banking immediately.

How do I avoid the monthly minimum balance fee on my Everyday Checking account?

Keep a $100.00 average daily balance* OR set up recurring direct deposit. Either option automatically waives the $5.00 monthly minimum balance fee, making this a truly fee-free everyday checking account.

Are there transaction limits on Everyday Checking accounts?

Enjoy unlimited deposits and withdrawls with no transaction limits or fees—use your everyday checking account as often as you need. Debit card purcahses have a daliy limit of 25 transactions.

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

Access 55,000+ surcharge-free ATMs nationwide through the Allpoint^® network. Download the Allpoint mobile app or visit allpointnetwork.com to find locations near you.

What counts as direct deposit for my Everyday Checking account?

Qualifying direct deposits include payroll from employers, Social Security benefits, pension payments, and government benefit payments. Person-to-person transfers and mobile deposits don't qualify.

How much should I keep in my Everyday Checking account?

Financial experts recommend keeping 2-3 months of living expenses in your checking account as a safety net. This helps you avoid fees, cover unexpected expenses, and maintain financial flexibility. At a minimum, maintain $100 to avoid the monthly service charge if you don't have direct deposit.

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

Yes. Use PSBT's mobile app to deposit checks from anywhere using your smartphone camera—no need to visit a branch or ATM for your everyday checking account deposits.

Is my money insured in my Everyday Checking account?

Yes. Your deposits are FDIC insured up to the maximum allowed by law, keeping your money safe and secure.

*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.

Open Your Everyday Checking Account
Online in Minutes

Open your Everyday 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.