Anytime Savers Club | Holiday & Vacation Savings

Q: Is my money FDIC insured in the Anytime Savers Club?

Yes. All deposits at Peoples Security Bank & Trust, including the Anytime Savers Club, are FDIC insured up to the maximum allowed by law, backed by the full faith and credit of the U.S. Government.

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Anytime Savers Club

Flexible Holiday & Vacation Club or Goal-Based Savings in Pennsylvania, New York & New Jersey

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Save Year-Round for Holidays, Vacations, or Any Goal

The Anytime Savers Club from Peoples Security Bank & Trust is a flexible savings account designed to help you set money aside throughout the year for holidays, vacations, or any financial goal. Available at any of our branches across Pennsylvania, New York, and New Jersey, this account lets you build savings on your schedule with no minimum balance requirement, competitive variable interest rates, and one free withdrawal per year when you need your funds.

Unlike traditional holiday club or vacation club accounts that lock your funds until a fixed disbursement date in October or May, the Anytime Savers Club puts you in control. Set up automatic transfers from your checking account on a schedule that works for you (weekly, bi-weekly, or monthly), and withdraw your savings when the time is right. Whether that means holiday shopping in November, booking a spring getaway in April, or covering back-to-school expenses in August, your money is available when you need it.

With just a $10.00 opening deposit and interest compounded and credited quarterly, this is one of the most accessible and flexible seasonal savings accounts in PA, NY, and NJ. Open your Anytime Savers Club today and start building toward stress-free spending for the moments that matter most.

Why Choose the Anytime Savers Club?

No Minimum Balance

Every dollar you deposit earns interest from day one. There is no minimum balance to open, maintain, or earn interest on your Anytime Savers Club account.

Flexible Withdrawals on Your Schedule

Unlike traditional holiday or vacation club accounts with fixed October or May payout dates, you choose when to access your savings with one free withdrawal per year.

Earn Competitive Interest

Your savings earn a competitive variable interest rate, compounded and credited quarterly using the daily balance method**. Your money works for you while you save toward your goal.

Set Up Automatic Transfers

Schedule recurring transfers from your PSBT checking account on a weekly, bi-weekly, or monthly basis through online banking or the PSBT Mobile app. Set it and let your savings build automatically.

Low $10 Minimum to Open

Get started with one of the lowest opening deposits available at any community bank in Pennsylvania, New York, or New Jersey.

Save for Holidays, Vacations, or Anything

Holiday gifts, a dream getaway, back-to-school expenses, annual insurance premiums, or any large planned purchase. This account adapts to whatever you are saving for.

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Anytime Savers Club Account Specifications

Account Feature	Details
How to Open	Visit any of our branches in PA, NY, or NJ, or contact us to get started
Minimum Opening Deposit	$10.00
Minimum Balance	No minimum balance required
Interest Rate	Variable interest rate; compounded and credited quarterly using the daily balance method
Withdrawals	One free withdrawal per year; $15.00 service charge for each additional withdrawal
Automatic Transfers	Set up recurring transfers from your PSBT checking account (weekly, bi-weekly, or monthly)
Digital Banking	Free online banking and PSBT Mobile app access
Available Locations	Branches across Pennsylvania, New York, and New Jersey
FDIC Insured	Yes, backed by the full faith and credit of the U.S. Government

How to Save Smarter With the Anytime Savers Club

The easiest way to reach your savings goal is to set it and forget it. Schedule automatic transfers from your PSBT checking account and watch your balance grow without thinking about it:

Holiday Savings Example
Planning to spend $1,200 on holiday gifts and celebrations? Instead of putting it on a credit card at 22% APR and paying $1,334+ over 12 months, set up automatic weekly transfers:

$25/week for 48 weeks = $1,200 + interest earned
$50/bi-weekly for 24 pay periods = $1,200 + interest earned
$100/month for 12 months = $1,200 + interest earned

Vacation Savings Example
Dreaming of a $2,000 family vacation? Start saving now and take the trip you can afford instead of one that puts you into debt:

$40/week for 50 weeks = $2,000 + interest earned
$85/bi-weekly for 24 pay periods = $2,040 + interest earned
$167/month for 12 months = $2,004 + interest earned

Tip: Set up automatic transfers to align with your payday. Most customers find bi-weekly transfers the easiest way to build savings without noticing the difference in their checking account.

Perfect For Goal-Oriented Savers

Holiday Savers
Build a holiday fund throughout the year so gift-giving season is stress-free and debt-free. No more putting holiday purchases on credit cards and paying interest well into the new year.

Vacation Planners
Save consistently for your dream getaway and withdraw when you're ready to book. Take the vacation you can afford instead of one that follows you home as credit card debt.

Seasonal Expense Planners
Back-to-school supplies, property taxes, annual insurance premiums, or home maintenance projects. The Anytime Savers Club works for any recurring large expense you want to prepare for in advance.

Anytime Savers Club FAQs

What is the Anytime Savers Club?

The Anytime Savers Club is a flexible savings account from Peoples Security Bank & Trust designed to help you save year-round for holidays, vacations, or any financial goal. Unlike traditional holiday or vacation club accounts with fixed payout dates, you control when you withdraw your savings with one free withdrawal per year.

How much do I need to open an Anytime Savers Club account?

You can open an Anytime Savers Club account with just a $10.00 minimum deposit. There is no minimum balance required to maintain the account or to earn interest.

When can I withdraw my savings?

You receive one free withdrawal per year at any time of your choosing. Additional withdrawals are subject to a $15.00 service charge each. This flexibility means you are not locked into a fixed October or May disbursement date like many competitor holiday and vacation club accounts.

Does the Anytime Savers Club earn interest?

Yes. The account earns a competitive variable interest rate with no minimum balance required. Interest is compounded and credited quarterly based on the daily balance** method, so every dollar in your account earns interest from day one.

Can I set up automatic transfers to my Anytime Savers Club?

Yes. You can schedule recurring automatic transfers from your PSBT checking account on a weekly, bi-weekly, or monthly basis through online banking or the PSBT Mobile app. Automatic transfers are the easiest way to build your savings consistently without having to remember manual deposits.

How is the Anytime Savers Club different from a regular savings account?

The Anytime Savers Club is specifically designed for goal-based saving with a structure that encourages you to set aside money consistently. The one-free-withdrawal-per-year structure helps you resist the temptation to dip into savings, while still giving you flexibility to access funds when your goal is reached. It requires just $10 to open compared to higher minimums on traditional savings accounts.

What happens if I need to make more than one withdrawal per year?

Your first withdrawal each year is free. Each additional withdrawal incurs a $15.00 service charge. This fee structure is designed to encourage consistent saving toward your goal while still providing access to your funds if needed.

Is my money FDIC insured in the Anytime Savers Club?

Your deposits are insured up to applicable FDIC limits, currently $250,000 per depositor, per insured bank, for each account ownership category.

Build Your Holiday or Vacation Fund Today

Open your Anytime Savers Club at any of our branches across Pennsylvania, New York, and New Jersey and start building toward your next holiday, vacation, or financial goal.

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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DISCLOSURES*

** 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).

To view current rates, click here.