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Relationship Money Market

Online Savings Account
2.71% APY¹

High-Yield Savings Account Available Exclusively Online for Pennsylvania, New York & New Jersey

Open Account Features

100% online applicationOpen in 5-10 minutesNo branch visit required

Maximum Growth, Maximum Convenience - 100% Digital

Online Savings from Peoples Security Bank & Trust is a high-yield online savings account designed exclusively for digital banking. With 2.71% APY¹and just a $25 minimum opening deposit, this account helps your money grow faster while you manage everything from your phone or computer—anytime, anywhere. Earn interest from day one with no minimum balance required, and enjoy quarterly compounding that accelerates your savings growth.

Built for the digital age, this online-only account rewards you for banking the modern way—skip the branch, maximize your returns, and take control of your financial future from wherever you are.

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Why Choose Everyday Checking?

Why Choose an Online Savings Account with PSBT?

Start With Just $25

Low minimum to open—open your account with $25 and start earning interest immediately, with no minimum balance required to earn.

Earn 2.71% APY¹ From Day One

No minimum balance required to earn competitive variable interest rates. Every dollar works for you from the moment you deposit.

Watch Your Savings Compound Quarterly

Interest compounds and credits every quarter using the daily balance method, helping your money grow faster over time.

Reimburse Fees With Direct Deposit

Set up a recurring direct deposit to automatically get monthly minimum balance fee refunded—making this a truly free high-yield savings account.

Bank Completely Online

Manage your savings 24/7 through PSBT's mobile app and online banking—deposits, transfers, and account management without ever visiting a branch. U.S.-based virtual bankers are available to assist you.

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What You Get With Your Account

$25 Minimum Opening Deposit
Start saving with one of the lowest minimums available

No Minimum Balance to Earn 2.71% APY¹
Every dollar earns from day one

Quarterly Compounding
Interest compounds and credits quarterly

100% Digital Account Management
No branch visits required

Free MasterCard^® Debit Card
Enhanced benefits and ATM access

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 access from any device

Free Credit Monitoring
Track your credit score at no cost

Electronic Statements
Free paperless statements

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Online Savings Account Specifications

Account Feature	Details
How to Open	Online application only - opens in minutes from any device
Account Type	Digital-only savings account (Branch access incurs a $15.00 fee)
Minimum Opening Deposit	$25.00
Minimum Balance to Earn Interest	$0.01 - earn from day one
Monthly Minimum Balance Fee	$5.00 if average daily balance² falls below $100.00 (refunded with recurring direct deposit)
Interest Compounding	Quarterly, using daily balance³ method
Interest Rate	2.71% APY¹

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How to Maximize Your Online Savings Account

Be Fee-Free

Maintain an average daily balance² of $100 or more, OR set up a recurring direct deposit to automatically refund the $5 monthly minimum balance fee. Direct deposit can be from:

Employer payroll
Social Security or pension payments
Government benefits
Regular recurring transfers from another institution

Optimize Your Earnings

Start immediately: No minimum balance required to earn interest
Let it compound: Interest credits quarterly for accelerated growth
Add regularly: Set up automatic transfers to build savings consistently
Use digital tools: Track progress through PSBT's mobile app in real time

Stay Digital

This account is designed for online and mobile banking. In-branch withdrawals incur a $15 fee to encourage digital banking habits. Instead:

Transfer funds to your PSBT checking account online (free)
Use your debit card at 55,000+ surcharge-free Allpoint® ATMs
Send money with Zelle® for instant transfers
Access funds 24/7 through online and mobile banking

DISCLOSURES*

¹Annual Percentage Yield is variable and may change at any time. APY is accurate as of 12/15/25. No minimum balance to earn interest. Interest is compounded and credited quarterly. Minimum deposit to open account is $25.

²$5.00 monthly Minimum Balance Fee if average daily balance falls below $100.00. A $15.00 Withdrawal Fee will be assessed for each in-branch withdrawal. Fees may reduce earnings. 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).

Ready to Start Saving With
High-Yield Digital Banking?

Opening an Online Savings Account takes just minutes with our secure online application. Get started from any device—no branch visit needed. Open now by clicking the online application link below.

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