You prefer to bank online, your debit card is your preferred payment method and you want to earn interest...PSB Premium is the account for you! 3.20% APY
Account Requirements
Fees and Charges
The following fees and charges apply to this account:
The following additional terms apply to this account: If account requirements are not met the rate on the account will be 0.05% and Annual Percentage Yield on the account will be 0.05%. Balances greater than $25,000.01 the stated rate will be 0.05% with a 0.05% Annual Percentage Yield.
A dormant fee of $5.00 will be charged each month on balances below $200.00 if for one year (previous) there has been no activity or other indication in writing from you of an interest in this account.
If your account is closed with a negative balance a $25.00 fee will be applied to the negative balance amount.
The regular checking account with no requirements
Account Requirements
Fees and Charges
The following fees and charges apply to this account:
The following additional terms apply to this account: A dormant fee of $5.00 will be charged each month on balances below $200.00 if for one year (previous) there has been no activity or other indication in writing from you of an interest in this account.
If your account is closed with a negative balance a $25.00 fee will be applied to the negative balance amount.
Let this be your Interest bearing checking account with a low monthly balance requirement with unlimited check and debit card transactions. The more money in your account the higher the interest rate. See rate table below for tiered interest rates.
Account Requirements
Fees and Charges
The following fees and charges apply to this account:
The following additional terms apply to this account: A dormant fee of $5.00 will be charged each month on balances below $200.00 if for one year (previous) there has been no activity or other indication in writing from you of an interest in this account.
If your account is closed with a negative balance a $25.00 fee will be applied to the negative balance amount.
| Account Name | Interest Rate | Annual Percentage Yield (1APY) | Minimum deposit to open account | Minimum balance required to earn interest |
|---|---|---|---|---|
| PSB Premium | 3.15% | 3.20% | $300.00 | $300 - $25,0002 |
| 0.05% | 0.05% | - | Over $25,000 | |
| Green Plus | 0.05% | 0.05% | $300.00 | $300.003 |
1APY = Annual Percentage Yield; fees could reduce earnings on accounts.
2For complete details please refer to the PSB Premium Truth in Savings Disclosure.
3 For complete details please refer to the Green Plus Truth in Savings Disclosure.
Interest rates and annual percentage yields are current as of the effective date at the top of this rate sheet. Interest rates are subject to change. The minimum deposit to open account amounts is the minimum balance required to earn the disclosed Annual Percentage Yield.
Set funds aside for you and for all you dream of!
Account Requirements
Fees and Charges
The following fees and charges apply to this account:
Additional Terms:
The following additional terms apply to this account: A dormant fee of $5.00 will be charged each month on balances below $200.00 if for one year (previous) there has been no activity or other indication in writing from you of an interest in this account.
If your account is closed with a negative balance a $25.00 fee will be applied to the negative balance amount.
Club account meets the 21st century. This club account lets you make 1 withdrawal per club year and annually disburses in full to you in November, just in time for those holiday purchases.
Account Requirements
Fees and Charges
The following fees and charges apply to this account:
Additional Terms
If your account is closed with a negative balance a $25.00 fee will be applied to the negative balance amount.
The savings account that encourages children to save money.
Account Requirements
Fees and Charges
The following fees and charges apply to this account:
Additional Terms
The following additional terms apply to this account: A dormant fee of $5.00 will be charged each month on balances below $200.00 if for one year (previous) there has been no activity or other indication in writing from you of an interest in this account.
If your account is closed with a negative balance a $25.00 fee will be applied to the negative balance amount.
Rates as of July 28, 2021
| Account Name | Interest Rate | Annual Percentage Yield (1APY) | Minimum deposit to open account | Minimum balance required to earn interest |
|---|---|---|---|---|
| PSB Savings Account | 0.05% | 0.05% | None | None |
| Super Savers Club | 0.25% | 0.25% | None | None |
| Youth Savings | 0.20% | 0.20% | $25.00 | $25.00 |
1APY = Annual Percentage Yield; fees could reduce earnings on accounts.
Interest rates and annual percentage yields are current as of the effective date at the top of this rate sheet. Interest rates are subject to change. The minimum deposit to open account amounts is the minimum balance required to earn the disclosed Annual Percentage Yield.
Put money aside for those unexpected medical expenses.
A Health Savings Account (HSA) is a specialized savings account that works hand in hand with your employer-sponsored high deductible health insurance plan (HDHP), allowing greater flexibility over how you use your health care dollars.
Qualified individuals may open an HSA and make pre-tax contributions to the account. Distributions are tax-free if the proceeds are used for qualified medical expenses.
Additional Terms:
Rates as of July 28, 2021
| Account Name | Interest Rate | Annual Percentage Yield (1APY) | Minimum balance required to earn interest |
|---|---|---|---|
| Health Savings Account | 0.05% | 0.05% | 2$100 |
1APY = Annual Percentage Yield; fees could reduce earnings on accounts.
2You must maintain a minimum balance of $100 in the account each day to obtain the disclosed annual percentage yield.
Interest rates and annual percentage yields are current as of the effective date at the top of this rate sheet. Interest rates are subject to change. The minimum deposit to open account amounts is the minimum balance required to earn the disclosed Annual Percentage Yield.
A checking account that offers tiered interest and helps you earn higher interest rates as your balance increases. See rate table below for tiered interest rates.
Account Requirements
Fees and Charges
The following fees and charges apply to this account:
Additional Terms:
The following additional terms apply to this account: A dormant fee of $5.00 will be charged each month on balances below $200.00 if for one year (previous) there has been no activity or other indication in writing from you of an interest in this account.
Rates as of July 28, 2021
| Account Name | Interest Rate | Annual Percentage Yield (1APY) | Minimum deposit to open account | Minimum balance required to earn interest |
|---|---|---|---|---|
| Money Market | 0.10% | 0.10% | $2,500 | $0.00-$49,999.99 |
no | 0.25% | 0.25% | - | $50,000 - $149,999.99 |
no | 0.25% | 0.25% | - | $150,000.00 & Up |
1APY = Annual Percentage Yield; fees could reduce earnings on accounts.
Interest rates and annual percentage yields are current as of the effective date at the top of this rate sheet. Interest rates are subject to change. The minimum deposit to open account amounts is the minimum balance required to earn the disclosed Annual Percentage Yield.
Rates as of November 29, 2022
| CD Term | Interest Rate | Annual Percentage Yield (1APY) | Minimum Deposit to Open Account | Early Withdrawal Penalty (EWD2) |
|---|---|---|---|---|
| 3 Month | 0.50% | 0.50% | $1,000 | 2% |
| 6 Month | 0.90% | 0.90% | $1,000 | 2% |
| 7 Month yes | 3.80% | 3.87% | $1,000 | 2% |
| 12 Month | 1.10% | 1.11% | $1,000 | 2% |
| 18 Month | 3.80% | 3.87% | $1,000 | 2% |
| 24 Month | 1.80% | 1.81% | $1,000 | 2% |
| 36 Month | 1.80% | 1.81% | $1,000 | 2% |
| 48 Month | 1.80% | 1.81% | $1,000 | 2% |
| 60 Month | 1.80% | 1.81% | $1,000 | 2% |
| 12 Month All-Star Youth | 1.10% | 1.11% | $300 | 2% |
1APY = Annual Percentage Yield; fees could reduce earnings on accounts.
2An Early Withdrawal Penalty (EWD) may be imposed for early withdrawal.
Interest rates and annual percentage yields are current as of the effective date at the top of this rate sheet. Interest rates are subject to change. The Minimum Deposit to Open Account Amounts is the minimum balance required to earn the disclosed Annual Percentage Yield.
The Peoples Savings Bank Debit Card gives you the convenience of an ATM card that works like a check! Your Debit Card can be used to make purchases worldwide – anywhere the Debit MasterCard® is accepted.
PSB is a member of the MoneyPass® network. This means you can use your PSB Debit at over 37,000 ATMs without being charged a fee. Visit MoneyPass.com to locate an ATM near you.
Every time you use your debit card as a CREDIT, PSB will give 5 cents to a local school district or charity of your choosing.
Learn more about Your Way Rewards
When you enroll in the PSB RoundUP Savings (RUS) service, we round up the amount of any PSB debit card purchase to the next whole dollar amount (plus any additional amount you select) and transfer the excess amount from your Checking Account to your Savings Account.
Secure your important documents and valuables in a PSB Safe Deposit Box.
| Box Size | Annual Rent1 |
|---|---|
| 2x5 | $15.00 |
| 3x5 | $15.00 |
| 4x5 | $20.00 |
| 5x5 | $20.00 |
| 3x10 | $25.00 |
| 5x10 | $40.00 |
| 7x10 | $50.00 |
| 10x10 | $60.00 |
Boxes are available at the following locations: Hermann, Rhineland, New Florence, Montgomery City, New Haven, WingHaven, Clarksville, Bowling Green, Troy, & St. Peters.
Not all box sizes are available at all locations.
1Annual rent is due April 1st of each year.
Contents are not FDIC insured.