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Peoples Security Bank & Trust's MMAs in Pennsylvania, New York, & New Jersey - Open Online
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or find a branch in PA, NY, or NJ
Earn competitive money market rates while keeping your funds accessible at Peoples Security Bank & Trust. Choose from two account options—Personal Money Market or Relationship Money Market with enhanced rates—and apply online in minutes or visit any of our 40 branches in Pennsylvania, New York, and New Jersey.
That’s why we offer two types of money market accounts—both designed to help your money grow securely with flexible access and competitive interest rates.
Grow your savings while maintaining easy access to your funds.
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Earn higher rates when you link your savings to a qualifying PSBT checking account2.
Competitive Rates Earn more with our tiered interest structure, especially with a qualifying relationship account.
Flexible Access Make up to 10 withdrawals or transfers per statement cycle—plus check-writing and easy online transfers.
No Hidden Surprises3 Transparent fee structure with simple paths to a fee-free Money Market account3
Relationship Rewards Unlock higher rates with an active PSBT checking account.
FDIC Insured Your deposits are protected up to $250,000 per depositor, per ownership category.
Local Expertise Our teams at 40 branches in PA, NY, and NJ are here to support you with personal, responsive service.
At PSBT, we offer competitive, tiered interest rates on our Money Market Accounts, allowing your savings to grow as your balance increases. Whether you choose our Personal or Relationship Money Market Account, you'll benefit from rates designed to reward higher balances.
Rates are variable and subject to change at the bank's discretion. Interest is compounded and credited monthly, based on the daily balance method4. A minimum balance of $2,500 is required to earn interest.
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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.
A money market account is a high-yield savings account with tiered interest rates based on your balance. Unlike CDs, you can access your funds anytime via debit card or transfers, with competitive rates that adjust over time.
You can apply for a personal money market account at Peoples Security Bank & Trust by applying online or visiting one of our branch offices in Pennsylvania, New York, or New Jersey.
Both accounts offer tiered interest rates based on your balance. The Relationship Money Market offers higher rates when you also have a qualifying PSBT checking account with direct deposit, debit card use, and online banking.
To qualify, you must have an active PSBT personal checking account with at least one recurring direct deposit, debit card activity, and enrollment in online banking.
You can make up to 10 free withdrawals or transfers per statement cycle without a fee3 on either Money Market Account.
1Average 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.
2To earn the enhanced interest rates on the Relationship Money Market, you must maintain an active PSBT personal checking account with all of the following: one recurring qualifying direct deposit, an active debit card, and enrollment in online banking. Interest rates are tiered based on your aggregated relationship balance. A minimum balance of $2,500.00 is required to earn interest. Variable rates may change at any time at the bank's discretion. Interest is compounded and credited monthly using the daily balance method.
3An $8.00 monthly minimum balance fee applies if the average daily balance1 falls below $2,500.00. A $5.00 fee applies to each withdrawal exceeding 10 per statement cycle. Relationship Money Market Account rates require an active PSBT personal checking account with qualifying direct deposit, debit card, and online banking enrollment. Rates are variable and may change at any time. A minimum balance of $2,500.00 is required to earn interest. Interest is compounded and credited monthly using the daily balance method, which applies a daily periodic rate to the principal balance each day.
4Daily 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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