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Made for Students Under 22. Made to Be Free. Available Across Pennsylvania, New York, & New Jersey.
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or find a branch in PA, NY, or NJ
Peoples Security Bank & Trust’s Student Checking account is designed for teens and young adults under 22 who want a simple, no-stress way to manage their money. With no monthly fees, no minimum balance, and just $25 to open, it’s an easy first step into real banking for high school and college students across Pennsylvania, New York, and New Jersey.
You’ll get a free Mastercard® debit card, free online and mobile banking, access to 55,000+ surcharge-free ATMs nationwide through the Allpoint® network, and the ability to send money instantly with Zelle®. Set up alerts, deposit checks from your phone, track your spending, and connect your account to payment apps like Venmo and Cash App. Students under 18 must open the account with a parent or guardian.
Pay for food, school supplies, gas, or online purchases with your free MasterCard® debit card, accepted worldwide.
Set up direct deposit from your part-time or summer job and get faster access to your paycheck.
Split dinner, pay back a friend, or receive money from family right from the PSBT Mobile app with Zelle®.
Link your account to Venmo, Cash App, and other mobile payment apps to send and receive money your way.
Check your balance, set spending alerts, and monitor every transaction 24/7 with free mobile banking.
Access cash nationwide through the Allpoint® network without ATM fees.
Monitor your credit score at no cost and start building financial literacy before you graduate.
Students under 18 open the account with a parent or guardian, but the account is yours to manage with your own debit card and mobile access.
Visit any of 40 PSBT branches for face-to-face support, or manage everything from your phone or computer.
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Unlimited Transactions No limits on deposits or withdrawals. Use your account as much as you need. Daily debit card transaction limit is 25.
Free MasterCard® Debit Card Shop in stores, online, or tap to pay with Apple Pay, Google Pay, and Samsung Pay. Daily debit card transaction limit is 25.
55,000+ Surcharge-Free ATMs Allpoint® network access nationwide. Find locations through the Allpoint® ATM locator app.
Free Person-to-Person Payments Send and receive money instantly with Zelle®. Connect to Venmo, Cash App, and other payment apps.
Free Online & Mobile Banking 24/7 account management from any device. Check balances, set up alerts, and track spending.
Free Credit Monitoring Track your credit score at no cost and start building smart financial habits early.
Mobile Check Deposit Deposit checks from your phone. No branch visit needed.
Electronic Statements Free paperless statements; $2.00 for paper if preferred.
High School Students Opening your first real bank account is a big step. With Student Checking, teens can learn to manage money with a free debit card, mobile banking, and no fees to worry about. Parents or guardians help open the account for students under 18 and can monitor activity while students stay in control of day-to-day spending.
College Students Managing money on your own for the first time? Student Checking makes it simple. Set up direct deposit from your part-time or summer job, split costs with roommates through Zelle®, track spending on your phone, and access 55,000+ fee-free ATMs whether you're on campus or home for break. No minimum balance means no stress when funds are low.
Students with Their First Job Getting your first paycheck? Set up direct deposit to receive your earnings faster. Use your free debit card to pay for gas, food, and school supplies. Track every dollar in the PSBT mobile app so you know exactly where your money goes. Start building the banking habits that will serve you for life.
Student Checking is available to anyone under 22 years of age. You do not need to provide proof of enrollment. Students under 18 must open the account with a parent or legal guardian at any PSBT branch. Students 18 and older can fill out a form online or stop by a branch.
No. PSBT Student Checking has no monthly service charges, no minimum balance requirements, and no transaction limits. The only cost is a $25 minimum opening deposit.
You’ll need a valid ID (such as a driver’s license, state ID, or passport), your Social Security number, and a $25 minimum opening deposit. Students under 18 also need a parent or guardian present with their own valid ID.
Yes. Zelle® is built into PSBT’s online and mobile banking, so you can send and receive money instantly. You can also link your PSBT debit card or account to third-party payment apps like Venmo, Cash App, PayPal, and Apple Pay.
Your Student Checking account gives you access to 55,000+ surcharge-free ATMs nationwide through the Allpoint® network. Use the Allpoint® ATM locator app or website to find locations near your home, school, or workplace.
Yes. Free mobile check deposit is included with your Student Checking account through the PSBT mobile banking app. Simply take a photo of your check and deposit it from anywhere.
Yes. You can set up direct deposit from any employer, whether it’s a part-time job, summer job, internship, or work-study position. Provide your PSBT routing number and account number to your employer’s payroll department to get started.
When you turn 22, your Student Checking account can be transitioned to another PSBT checking product. A PSBT banker will help you choose the best account for your next stage of life, and your account number and debit card will remain the same.
Your deposits are insured up to applicable FDIC limits, currently $250,000 per depositor, per insured bank, for each account ownership category.
PSBT Student Checking has no monthly fees with no conditions to meet. Many larger banks require proof of enrollment or impose fees after graduation. PSBT’s account stays free as long as you’re under 22, regardless of enrollment status. You also get community bank service at 40 local branches across PA, NY, and NJ, plus access to 55,000+ surcharge-free ATMs, which is a larger fee-free network than Chase’s 15,000+ owned ATMs.
All it takes is $25 to open your Student Checking account and start banking with Peoples Security Bank & Trust, your trusted community bank serving Pennsylvania, New York, and New Jersey across 40 branch locations. Students under 18 require a parent or guardian to open the account.
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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