Can I open an Everyday Checking account online?

Yes, you can open an Everyday Checking account online in minutes with just a $25 minimum deposit. You can also open an account at any of PSBT's 40 branch locations across Pennsylvania, New York, and New Jersey.

How do I avoid the monthly minimum balance fee on my Everyday Checking account?

You can avoid the $5.00 monthly minimum balance fee by either maintaining a $100.00 average daily balance during the statement period, or by setting up at least one recurring direct deposit per statement cycle. Qualifying direct deposits include employer payroll, Social Security benefits, pension payments, and government benefits.

Are there transaction limits on Everyday Checking accounts?

No, Everyday Checking accounts have unlimited deposits and withdrawals. The daily debit card transaction limit is 25 transactions per day.

Where can I find surcharge-free ATMs for my Everyday Checking account?

Everyday Checking account holders have access to over 55,000 surcharge-free ATMs nationwide through the Allpoint network. You can locate ATMs using the Allpoint ATM locator or through the PSBT mobile banking app.

What counts as direct deposit for my Everyday Checking account?

Qualifying direct deposits include employer payroll, Social Security benefits, pension payments, and government benefits. At least one recurring direct deposit per statement cycle is required to waive the monthly minimum balance fee.

How much should I keep in my Everyday Checking account?

To avoid the $5.00 monthly minimum balance fee, maintain an average daily balance of at least $100.00 during each statement period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing by the number of days in the period.

Can I deposit checks with my phone to my Everyday Checking account?

Yes, mobile check deposit is included free with your Everyday Checking account. You can deposit checks anytime using the PSBT mobile banking app.

Is my money insured in my Everyday Checking account?

Yes, deposits in your Everyday Checking account at Peoples Security Bank & Trust are FDIC insured up to the maximum amount allowed by law.

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Everyday Checking

More than Equipment Financing.

A banking relationship built for your business.

Equipment Financing Was Just the Beginning

When you financed your equipment through 1st Equipment Finance, a subsidiary of Peoples Security Bank & Trust, you partnered with a community bank committed to helping businesses succeed. Now, we'd like to introduce you to the full range of business banking solutions available through Peoples Security Bank & Trust.

Whether you're looking to simplify daily operations, improve cash flow, manage payments, or support future growth, our team is ready to help with personalized solutions and local decision-making.

Business Banking Solutions Designed Around You

Business Deposit Solutions.

Manage your finances with business checking, savings, and money market accounts designed to support your day-to-day banking needs and long-term goals.

Lending Solutions.

Access financing options that help your business grow, including lines of credit, term loans, commercial real estate financing, and business credit cards.

Cash Management Services.

Save time, improve efficiency, and strengthen security with treasury management tools including ACH origination, wire services, remote deposit capture, Positive Pay, fraud prevention solutions, and more.

Merchant Services.

Accept payments wherever your customers do business with secure processing solutions for in-store, online, and mobile transactions, along with point-of-sale integration options.

Local Service. Relationship Banking.

At Peoples Security Bank & Trust, relationship banking means working with experienced local bankers who take the time to understand your business and provide responsive support when you need it.

With locations throughout Pennsylvania, New York, and New Jersey, we're committed to helping businesses operate more efficiently and achieve their goals.

Connect With a Business Banker.

As a customer of 1st Equipment Finance, you already have a relationship with the Peoples Security Bank & Trust family. We'd welcome the opportunity to learn more about your business and discuss additional solutions that may help you operate more efficiently and achieve your goals.

To get started, contact either of the business bankers below.