Personal Money Market Account

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Personal Money Market

High-Yield Money Market Savings Account for Pennsylvania, New York & New Jersey Residents

Open Online Features

or find a branch in PA, NY, or NJ

Earn More on Your Savings While Keeping Your Money Accessible

The Personal Money Market Account from Peoples Security Bank combines competitive tiered interest rates with the flexibility you need for everyday access. Available to open online or at any of our 40 branches across Pennsylvania, New York, and New Jersey, this account lets you earn more than traditional savings across 5 balance tiers.

With 10 free withdrawals per statement cycle, debit card access, and 55,000+ surcharge-free ATMs nationwide, you get high-yield growth with monthly compounding interest while keeping your money within reach when you need it.

Why Choose Everyday Checking?

Why Choose a Personal Money Market?

Earn Higher Rates as Your Balance Grows

5 tiered interest rates from $2,500.00 to $5 million+ - the more you save, the more you earn with monthly compounding.

View Tiers

Keep Your Money Within Reach

Access funds via debit card, online banking, or 55,000+ surcharge-free Allpoint^® ATMs—with 10 free withdrawals per statement cycle.

Open Your Account Online in Minutes

Apply from any device with our secure online application—no branch visit required. Start earning as soon as you open your account.

Watch Your Savings Compound Monthly

Interest compounds and credits monthly using the daily balance method¹ for faster growth than simple interest accounts.

Bank Anytime from Anywhere

Manage your account 24/7 through PSBT's mobile app—check balances, transfer funds, and track interest earnings in real time.

Open Online

or find a branch in PA, NY, or NJ

What You Get With Your Account

5 Tiered Interest Rates
Earn competitive APY based on your balance level. View tiers

Monthly Compounding
Interest compounds monthly for accelerated growth

Free MasterCard^® Debit Card
Enhanced benefits and easy fund access

10 Free Monthly Withdrawals²
No fees for first 10 withdrawals per cycle²

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

Free Credit Monitoring
Track your credit score at no cost

No Maximum Balance for Interest
Grow savings to $5 million+ and keep earning

Electronic Statements
Free paperless statements; $2 for paper

Personal Money Market Specifications

Account Feature	Details
How to Open	Open a money market account online in minutes or visit any of 40 branches in PA, NY, NJ
Minimum Opening Deposit	$2,500.00
Minimum Balance to Earn Interest	$2,500.00
Monthly Minimum Balance Fee	$8.00² if average daily balance³ falls below $2,500.00
Withdrawal Limit	10 free per statement cycle; $5.00 fee thereafter
Interest Compounding	Monthly, using daily balance method¹
Rate Structure	Variable rates; may change at bank's discretion

Open Online

or find a branch in PA, NY, or NJ

Personal Money Market Interest Rate Tiers

Tier 1: $2,500.00 – $99,999.99
Tier 2: $100,000.00 – $249,999.99
Tier 3: $250,000.00 – $999,999.99
Tier 4: $1,000,000.00 – $4,999,999.99
Tier 5: $5,000,000.00 and above

View current APY rates

Ready to Start Earning More?

Open your Personal Money Market Account online in minutes or visit any of our 40 branches across Pennsylvania, New York, and New Jersey.

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.

Open Online

or find a branch in PA, NY, or NJ

DISCLOSURES*

¹Daily 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).

²An $8.00 monthly service charge applies if the average daily balance 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.

³Average 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.

To view current rates, click here.