Relationship Money Market - Open Online PA-NY-NJ

Log into Your Account

Download Our App

Relationship Money Market

High-Yield Money Market Account for Pennsylvania, New York & New Jersey Residents with PSBT Checking - Open Online or In-Person

Open Online Features

or find a branch in PA, NY, or NJ

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

Earn More on Your Savings While Keeping Your Money Accessible

The Relationship Money Market Account from Peoples Security Bank & Trust combines the high earning potential of a tiered money market with the liquidity you need for everyday financial flexibility. Open online in minutes or visit any of our 40 branches across Pennsylvania, New York, and New Jersey.

When you maintain an active PSBT personal checking account with qualifying activity, you unlock competitive interest rates across 5 balance tiers—earning more as your savings grow. Perfect for emergency funds, major purchase savings, or wealth building, this account gives you debit card access and online banking convenience while your money earns monthly compounding interest.

With 10 free withdrawals per statement cycle and the ability to open your account entirely online, you get the best of both worlds: high-yield growth and ready access when life happens. Open online now by clicking the application link below, or find a branch to open an account in-person.

Open Online

or find a branch in PA, NY, or NJ

Why Choose Everyday Checking?

Why Choose the Relationship Money Market?

Earn Higher Rates as You Save More

5 tiered interest rates reward growing balances—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

Unlike CDs, access your funds via debit card, online banking, or 55,000+ surcharge-free Allpoint^® ATMs—with 10 free withdrawals each statement cycle.

Maximize Returns Through Your Banking Relationship

Unlock the best rates by maintaining an active PSBT checking account with 1 recurring direct deposit, debit card usage, and online banking enrollment.

Watch Your Savings Compound Monthly

Interest compounds and credits every month using the daily balance method¹, helping your money grow faster 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 total relationship balance. View tiers

Monthly Compounding
Interest compounds and credits every month for accelerated growth

FREE Debit Card Access
MasterCard^® debit card included for easy fund access

10 Free Monthly Withdrawals²
No fees² for your first 10 withdrawals per statement cycle

55,000+ Surcharge-Free ATMs
Nationwide access through the Allpoint^® network

Free Online & Mobile Banking
24/7 account management through PSBT's mobile app or online banking platform.

No Maximum Balance Limit
Grow your savings and keep earning

Electronic Statements
Free paperless statements; $2 for paper if preferred

Relationship Money Market Specifications

Account Feature	Details
How to Open	Open online in minutes or visit any 40 branches in PA, NY, NJ
Eligibility	Active PSBT personal checking account with 1 recurring direct deposit, debit card, and online banking
Minimum Opening Deposit	$2,500.00
Minimum Balance to Earn Interest	$2,500.00
Monthly Service Charge	$8.00 if average daily balance³ falls below $2,500.00
Withdrawal Limit	10 free withdrawals per statement cycle; $5.00 fee per withdrawal thereafter
Interest Compounding	Monthly, using daily balance method¹
Rate Structure	Variable rates; may change at bank's discretion

Open Online Features

or find a branch in PA, NY, or NJ

Relationship Money Market Interest Rate Tiers

Your APY is determined by your aggregated relationship balance across all qualifying PSBT accounts:

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

Perfect For Savers Who Want Both Growth and Access

Everyday Savers & Goal Planners
Build emergency funds with 3-6 months of expenses, save for down payments or home renovations, or set aside business reserves—earning competitive interest on balances while keeping funds accessible with no CD penalties.

Retirees & Conservative Investors
Balance your portfolio with accessible cash reserves that earn more than basic savings without market risk—ideal for supplementing retirement income or managing liquid assets.

High-Net-Worth Wealth Builders
Maximize returns with tiered APY rates on balances from $250K to $5M+ while maintaining the liquidity to capitalize on opportunities—perfect for business owners, professionals, and investors managing significant assets.

How to Qualify for the Best Rates

To unlock tiered Relationship Money Market rates, maintain these three requirements in your PSBT personal checking account:

1 recurring qualifying direct deposit per statement cycle
Active debit card usage (at least one transaction per cycle)
Enrolled in online banking with login activity

Ready to Start Earning More on Your Savings?

Opening a Relationship Money Market Account takes just 5-10 minutes with our online application, or visit any of our 40 branches across Pennsylvania, New York, and New Jersey.

Open Online Features

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.