What personal checking accounts does PSBT offer in Pennsylvania, New York, and New Jersey?

Peoples Security Bank & Trust offers six personal checking account types: Everyday Checking (most popular for daily banking), MaxEarnings Checking (high-yield up to 5.00% APY on balances up to $10,000), Student Checking (free for students under 22), 55+ Checking (for adults 55 and older with free checks), Empower Checking (second-chance banking), and Interest Checking (variable interest-bearing). All accounts include free mobile banking, online banking, FDIC insurance, and access to 40+ branch locations.

Which PSBT checking account earns the highest interest rate?

MaxEarnings Checking offers the highest interest rate, earning up to 5.00% APY on balances up to $10,000 when you meet monthly qualifications (15+ debit card purchases of $5 or more, one direct deposit, and paperless statements). Interest Checking also earns variable interest but at lower rates than MaxEarnings Checking.

Does PSBT offer free checking accounts with no monthly fees?

Yes, PSBT offers two completely free checking accounts: Student Checking (for students under 22) and Empower Checking (second-chance banking). Both have no minimum balance requirements and no monthly service charges. Other accounts like Everyday Checking, MaxEarnings Checking, 55+ Checking, and Interest Checking waive the $5 monthly fee when you maintain a $100 average daily balance or set up recurring direct deposit.

What checking account is best for seniors at PSBT?

55+ Checking is designed specifically for adults 55 and older. It includes free PSBT style checks, low $100 minimum balance requirement, unlimited transactions, and branch-friendly services with personalized attention at any of the 40 locations across Pennsylvania, New York, and New Jersey.

Does PSBT offer second-chance checking accounts?

Yes, Empower Checking is PSBT's second-chance banking account designed for customers looking to rebuild their financial confidence. It has no minimum balance required, no monthly service charges, unlimited deposits and withdrawals, and provides a path to traditional banking.

What features are included with all PSBT checking accounts?

All PSBT checking accounts include free mobile banking app, online banking access, FDIC insurance up to $250,000, access to over 40 convenient branch locations across Pennsylvania, New York, and New Jersey, free digital banking, credit monitoring, surcharge-free ATMs through the Allpoint network (55,000+ nationwide), mobile check deposit, bill pay, and account alerts.

How do I avoid monthly fees on PSBT checking accounts?

For Everyday Checking, MaxEarnings Checking, 55+ Checking, and Interest Checking, you can avoid the $5.00 monthly service charge by maintaining a $100 average daily balance OR setting up recurring direct deposit. The fee is assessed and then refunded when you have qualifying direct deposit. Student Checking and Empower Checking have no monthly fees regardless of balance.

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Personal Checking Accounts

Take Control of Your Finances with Personal Checking in PA, NY, & NJ - including features like free digital banking, credit monitoring, surcharge-free ATMs, and more.

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Available Balance

$2,847.32

Free Digital Banking
Credit Monitoring
Surcharge-Free ATMs
Mobile Check Deposit
Bill Pay
Account Alerts

Choose the Right Account for You

From students to seniors, basic banking to premium rewards – we have a checking account that fits your lifestyle and financial goals.

Everyday Checking

Our most popular account designed to meet your day-to-day banking needs with a hassle-free experience and straightforward features.

Low minimum balance requirement
Unlimited withdrawals and deposits
Free PSBT debit card
Mobile* and online banking included

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Competitive Interest Rates

MaxEarnings Checking

Maximize your money with this checking account designed for customers looking to earn competitive interest rates on their daily banking.

Tiered interest rates
Premium rates when you meet qualifications
All standard checking features
Connect to MaxEarnings Saver for enhanced rates

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Student Checking

Start strong and build your financial foundation with our Student Checking account designed specifically for high school and college students.

NO minimum balance required
NO monthly service charges
Unlimited deposits and withdrawals
Easy account management tools

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55+ Checking

A simple, straightforward account designed for active adults 55 and older who value personal service and convenient banking.

Low minimum balance requirement
FREE PSBT style checks
Unlimited withdrawals and deposits
Branch-friendly services

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Empower Checking

Sometimes we all need a fresh start – let us help you get there with this second-chance banking account designed for rebuilding financial confidence.

NO minimum balance required
NO monthly service charges
Unlimited deposits and withdrawals
Path to traditional banking

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Interest Checking

Keep your funds flexible and growing! This account is the perfect blend of easy access and competitive earnings for your money.

Earns variable interest rate
Low initial deposit requirement
Unlimited deposits and withdrawals
Monthly interest compounding
No balance penalties

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All PSBT Checking Accounts Include:

Free mobile banking* app, online banking access, FDIC insurance up to $250,000, access to over 40 convenient branch locations, and our commitment to personalized local service across Pennsylvania, New York, and New Jersey.

*Individual mobile providers may assess data and other usage charges; please check with your mobile provider.

Quick Account Comparison

Compare key features at a glance to find the account that's right for you.

Account Type	Minimum Balance	Monthly Fee	Interest Earning	Best For
Everyday Checking (Most Popular)	$100*	$0/5.00**	No	Daily banking needs
MaxEarnings Checking (Competitive Interest Rates)	$100*	$0/5.00**	Yes - Tiered	High-balance earners
Student Checking	$0	$0	No	Students & young adults <22
55+ Checking	$25*	$0/5.00**	No	Adults 55+
Interest Checking	$1,000*	$0/5.00**	Yes - Variable	Growing your money
Empower Checking	$0	$0	No	Fresh financial start

* $5.00 monthly service charge if average daily balance*** falls below the minimum balance requirement (fee is assessed and refunded with a recurring direct deposit).
** Monthly fees may be refunded with qualifying direct deposits, minimum balances, or other account activities. Contact us for complete fee details.
*** 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.

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