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Earn up to 5.00% APY1 on the Checking Account You Use Every Day. Link MaxEarnings Saver to Earn More.
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The MaxEarnings Saver from Peoples Security Bank connects seamlessly to your MaxEarnings Checking account with direct deposit—helping you organize your finances while your checking earns enhanced interest rates.
Add a MaxEarnings Saver account today to complement your MaxEarnings Checking account. Learn more about MaxEarnings Saver here.
Premium interest rate of 4.89% (5.00%1) on balances up to $10,000.00—significantly higher than traditional checking accounts—when you meet easy monthly qualifications1.
Meet the requirements1 by using your debit card 15 times per month for $5.00+ purchases, receiving direct deposit, and enrolling in paperless statements—routine banking activities.
Apply from any device with our secure online application—no branch visit required. Start earning premium interest as soon as your $25.00 deposit clears and you meet monthly qualifications.
No restrictions on withdrawals or deposits- use your account as often as needed without worrying about transaction limits or fees (with a qualifying balance or direct deposit). Debit cards have a transaction limit of 25 debits per day.
Free online and mobile banking with 24/7 access—check balances, transfer funds, deposit checks via mobile app, and manage your high-yield account from your phone or computer.
Interest compounds and credits every month using the daily balance method, helping your earnings grow faster on balances up to $10,000.00.
Free MasterCard® debit card with access to surcharge-free withdrawals at over 55,000 Allpoint® ATMs nationwide.
5.00% APY1 on Balances Up to $10,000.00 Competitive interest rate when qualifications5 are met
Monthly Interest Compounding Interest compounds and credits monthly for faster growth
Free MasterCard® Debit Card Enhanced benefits and unlimited purchases
55,000+ Surcharge-Free ATMs Nationwide Allpoint® network access
Free Person-to-Person Payments Send money instantly with Zelle®
Free Online & Mobile Banking 24/7 account management with mobile check deposit
Free Credit Monitoring Track your credit score at no cost
Paperless Statements Required for premium rate qualification1 (saves trees, too)
Low $25.00 Minimum Opening Deposit Easy to get started earning premium interest
Everyday Spenders & Direct Deposit Users If you already use your debit card for 15+ transactions a month, receive direct deposit, and prefer online banking- this account rewards your existing habits with 5.00% APY1 on up to $10,000.00.
Budget-Conscious Savers Earn significantly more interest than traditional checking while keeping funds accessible for daily expenses—ideal for maintaining an active checking balance of up to $10,000.00.
Digital Banking Users Designed for those who prefer managing their account online and through mobile apps—track transactions, deposit checks, and monitor interest earnings from anywhere—with 40 branch locations across PA, NY, and NJ available whenever needed.
Opening a MaxEarnings Checking Account takes just minutes with our online application, or visit any of our 40 branches across Pennsylvania, New York, and New Jersey.
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.
Yes. Our secure online application takes about 10 minutes to complete from any device. You'll need a government-issued ID, Social Security Number, and $25 to open. No branch visit required- start earning premium interest as soon as you meet the monthly qualifications1.
Meet three requirements each statement cycle: (1) Make 15+ debit card purchases of $5 or more that post and settle, (2) Receive at least one qualifying direct deposit, and (3) Stay enrolled in online statements. These are everyday banking activities most customers already do.
Balances from $0.01 to $10,000.00 earn 4.89% interest (5.00% APY1) when qualifications1 are met. Balances over $10,000.00 earn 0.05% interest regardless of whether you meet qualifications. You still have unlimited access to all funds.
If you keep $10,000.00 in your account and meet the monthly requirements1, you'll earn about $500 in interest over the year. That could cover your car insurance, knock out a few utility bills, or give you breathing room in your budget—money that would otherwise sit there earning nothing.
The qualifier1? Three things you're likely doing already: using your debit card for purchases, receiving direct deposit, and banking online with paperless statements. If that sounds like your normal routine, this account turns your everyday banking into actual earnings.
Qualifying direct deposits1 include payroll from employers, Social Security benefits, pension payments, and government benefits. Person-to-person transfers, bank-to-bank transfers, and mobile check deposits typically don't qualify. Contact us if you're unsure about your specific deposit type.
No. Each purchase must be $5.00 or more. You can make 15 purchases of $10, $20, $50—any amount $5 or higher counts toward the requirement, as long as the transactions post and settle during your statement cycle.
Your account will earn the standard checking interest rate for that statement cycle. There's no penalty- simply meet the three requirements1 again the following month to resume earning 5.00% APY1 on balances up to $10,000.00.
There's a low $5.00 monthly minimum balance fee if your average daily balance2 falls below $100.00. However, this monthly minimum balance fee is returned when you maintain a recurring direct deposit, which is already one of the three requirements1 for earning the premium APY.
Interest compounds and credits monthly using the daily balance3 method, helping your earnings grow faster throughout the year.
(1) Annual Percentage Yields (APYs) and interest rates are variable and may change at any time including after account is opened. APYs and interest rates are accurate as of 12.23.2025. You may contact any branch location to obtain the most current rate and APY information. Fees may reduce earnings. Earn 5.00% APY on balances up to $10,000.00 when you enroll in free online statements, make at least 15 debit card purchases of $5.00 or more, and have at least one direct deposit per statement cycle. Balances over $10,000.00 earn 0.05% standard APY on the portion of the balance over $10,000.00, resulting in a range from 5.00% to 0.09% APY depending on the balance. This range assumes a $10,000.01 - $110,000 account balance, although higher balances are accepted. Accounts that do not meet the qualifications and balances exceeding $10,000.00 will earn the 0.05% standard APY on the entire balance. Interest is compounded and credited monthly. Qualifying debit card purchase transactions must be posted and settled to the Max Earnings Checking account during monthly qualification cycle. Transactions may take one or more business days from the date transaction was made to post to and settle. ATM-processed transactions and transfers between accounts do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" begins on the first day of the Statement Cycle and ends on the last day of the Statement Cycle.
(2) 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.
(3) Daily balance method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Please contact us for current rates and annual percentage yields (APYs).
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