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PSB Regular Checking

The regular checking account with no requirements

  • No minimum balance required
  • FREE E-statements
  • FREE Online Banking and Bill Pay
  • FREE Mobile App
  • Mastercard® Debit Card

Account Requirements

  • None

Fees and Charges

The following fees and charges apply to this account:

  • Overdraft Charge: $30.00/item
    • Maximum overdraft charge per day: $180.00
    • No Charge for overdraft items less than $5.00
    • No charge if your account balance is between -$5.00 and $0.00
  • Return Check Charge: $30.00/item (maximum $180.00 per day)
  • Stop Payment/Renewal: $15.00/per request
  • Extra Statement: $4.00/statement
  • Telephone Transfer: $2.00
  • Automatic Overdraft Transfer Charge (per transfer): $5.00 ($50.00 increments)
  • Account Reconciliation/Research: $30.00/hour (1 hour minimum)
  • Check fees may vary depending on the style and quantity ordered.

The following additional terms apply to this account: A dormant fee of $2.00 will be charged each month on balances below $25.00 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.

Green Plus Checking

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.

  • FREE E-statements
  • FREE Online Banking and Bill Pay
  • FREE Mobile App
  • Mastercard® Debit Card
  • Interest Accrues monthly; compounds monthly; credits monthly.  At our discretion, we may change the interest rate on your account.
  • If the account is closed prior to interest posting: Interest is forfeited.

Account Requirements

  • Minimum Balance $300.00
  • Minimum deposit to open account $300.00
  • Online Banking enrollment
  • Electronic Statements (E-statements)

Fees and Charges

The following fees and charges apply to this account:

  • Failure to meet minimum balance any day in the statement period: $5.00
  • Electronic Statements not activated: $4.00 Paper Statement
  • Overdraft Charge: $30.00/item
    • Maximum overdraft charge per day: $180.00
    • No Charge for overdraft items less than $5.00
    • No charge if your account balance is between -$5.00 and $0.00
  • Return Check Charge: $30.00/item (maximum $180.00 per day)
  • Stop Payment/Renewal: $15.00/per request
  • Extra Statement: $4.00/statement
  • Telephone Transfer: $2.00
  • Automatic Overdraft Transfer Charge (per transfer): $5.00 ($50.00 increments)
  • Account Reconciliation/Research: $30.00/hour (1 hour minimum)
  • Check fees may vary depending on the style and quantity ordered.

The following additional terms apply to this account: A dormant fee of $2.00 will be charged each month on balances below $25.00 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.

PSB Premium Checking

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!

  • FREE E-statements
  • FREE Online Banking and Bill Pay
  • FREE Mobile App
  • Mastercard® Debit Card
  • Interest Accrues monthly; compounds monthly; credits monthly.  At our discretion, we may change the interest rate on your account.
  • If the account is closed prior to interest posting: Interest is forfeited.

Account Requirements

  • Minimum Balance $300.00
  • Minimum deposit to open account $300.00
  • Maximum Balance to earn the stated rate and Annual Percentage Yield (APY) $25,000.00
  • 2 ACH debit/credit transactions posted and debited/credited to the account per statement cycle
  • 15 Debit Card transactions posted and debited from the account per statement cycle
  • Online Banking enrollment
  • Electronic Statements (E-statements)

Fees and Charges

The following fees and charges apply to this account:

  • Failure to meet average minimum balance in the statement period: $10.00
  • Electronic Statements not activated: $7.50 Paper Statement
  • Overdraft Charge: $30.00/item
    • Maximum overdraft charge per day: $180.00
    • No Charge for overdraft items less than $5.00
    • No charge if your account balance is between -$5.00 and $0.00
  • Return Check Charge: $30.00/item (maximum $180.00 per day)
  • Stop Payment/Renewal: $15.00/per request
  • Extra Statement: $4.00/statement
  • Telephone Transfer: $2.00
  • Automatic Overdraft Transfer Charge (per transfer): $5.00 ($50.00 increments)
  • Account Reconciliation/Research: $30.00/hour (1 hour minimum)

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 $2.00 will be charged each month on balances below $25.00 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.


Checking Account Rates

Rates as of July 28, 2021

Account NameInterest RateAnnual Percentage Yield (1APY)Minimum deposit to open accountMinimum balance required to earn interest
PSB Premium 2.15% 2.17% $300.00 $300 - $25,0002
0.05% 0.05% - Over $25,000

1APY = Annual Percentage Yield; fees could reduce earnings on accounts.

2For complete details please refer to the PSB Premium 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.

PSB Savings Account

Set funds aside for you and for all you dream of!

Account Requirements

  • No minimum balance required

Fees and Charges

The following fees and charges apply to this account:

  • Overdraft Charge: $30.00/item
    • Maximum overdraft charge per day: $180.00
    • No Charge for overdraft items less than $5.00
    • No charge if your account balance is between -$5.00 and $0.00
  • Return Check Charge: $30.00/item (maximum $180.00 per day)
  • Telephone Transfers: $2.00/ Transfer
  • Automatic Overdraft Transfer Charge (per transfer): $5.00 ($50 increments)
  • Extra Statement: $4.00/statement
  • Account Reconciliation/Research: $30.00/hour (1 hour minimum)

Additional Terms:

  • Interest Accrues quarterly, compounds quarterly, credits quarterly
    • At our discretion we may change the interest rate on your account.
  • If the account is closed prior to interest posting: Interest is forfeited.

The following additional terms apply to this account: A dormant fee of $2.00 will be charged each month on balances below $25.00 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.

Super Savers Club Account

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

  • No minimum balance required

Fees and Charges

The following fees and charges apply to this account:

  • Extra Statement: $4.00/statement
  • Account Reconciliation/Research: $30.00/hour (1 hour minimum)

Additional Terms

  • The entire account balance is disbursed annually in November of each fiscal year.
  • Interest Accrues quarterly; compounds quarterly; credits quarterly.  At our discretion we may change the interest rate on your account.
  • If the account is closed prior to interest posting: Interest is forfeited.
  • The Super Savers Club year is from November 1 to October 31.

If your account is closed with a negative balance a $25.00 fee will be applied to the negative balance amount.

Youth Savings Account

The savings account that encourages children to save money.

Account Requirements

  • Minimum Balance $25.00
  • Minimum deposit to open account $25.00
  • Customer may make 3 withdrawals per month from this account.

Fees and Charges

The following fees and charges apply to this account:

  • Failure to meet minimum balance any day in the statement period: $1.00
  • Exceed the number of withdrawals allowed: $1.00
  • Overdraft Charge: $30.00/item
    • Maximum overdraft charge per day: $180.00
    • No Charge for overdraft items less than $5.00
    • No charge if your account balance is between -$5.00 and $0.00
  • Insufficient Funds: $30.00/item (maximum $180.00 per day)
  • Extra Statement: $4.00/statement
  • Telephone Transfer: $2.00
  • Automatic Overdraft Charge (per transfer): $5.00 ($50.00 increments)
  • Account Reconciliation/Research: $30.00/hour (1 hour minimum)

Additional Terms

  • Interest Accrues quarterly; compounds quarterly; credits quarterly.  At our discretion we may change the interest rate on your account.
  • If the account is closed prior to interest posting: Interest is forfeited.
  • When customer turns 18 the Youth Savings Account transitions to a Regular Savings.
  • Minimum Balance to obtain the disclosed annual percentage yield: $25.00

The following additional terms apply to this account: A dormant fee of $2.00 will be charged each month on balances below $25.00 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.


Savings Account Rates

Rates as of July 28, 2021

Account NameInterest RateAnnual Percentage Yield (1APY)Minimum deposit to open accountMinimum balance required to earn interest
PSB Savings Account 0.05% 0.05% None None
Super Savers Club 0.20% 0.20% None None
Youth Savings 0.25% 0.25% $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.

Health Savings Account

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.

  • Mastercard® Debit Card
  • No minimum balance
  • Online Banking
  • Interest bearing
  • Unlimited transactions

Additional Terms:

  • Interest accrues monthly; compounds monthly; credits monthly
    • At our discretion we may change the interest rate on your account.
  • If the account is closed prior to interest posting: Interest is forfeited.

HSA Account Rates

Rates as of July 28, 2021

Account NameInterest RateAnnual 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.

Money Market Account

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.

  • FREE E-statements
  • FREE Online Banking and Bill Pay
  • FREE Mobile App
  • Mastercard® Debit Card

Account Requirements

  • Minimum Balance: $2,500
  • Minimum deposit to open account: $2,500

Fees and Charges

The following fees and charges apply to this account:

  • Failure to meet minimum Balance any day in the statement period: $10.00
  • Overdraft Charge: $30.00/item
    • Maximum overdraft charge per day: $180.00
    • No Charge for overdraft items less than $5.00
    • No charge if your account balance is between -$5.00 and $0.00
  • Return Check Charge: $30.00/item (maximum $180.00 per day)
  • Stop Payment/Renewal: $15.00/per request
  • Extra Statement: $4.00/statement
  • Telephone Transfer: $2.00
  • Automatic Overdraft Transfer Charge (per transfer): $5.00 ($50.00 increments)
  • Account Reconciliation/Research: $30.00/hour (1 hour minimum)
  • Check fees vary depending on style and quantity ordered

Additional Terms:

  • Interest Accrues monthly; compounds monthly; credits monthly
    • At our discretion we may change the interest rate on your account.
  • If the account is closed prior to interest posting: Interest is forfeited.

The following additional terms apply to this account: A dormant fee of $2.00 will be charged each month on balances below $25.00 if for one year (previous) there has been no activity or other indication in writing from you of an interest in this account.


Money Market Accounts Rates

Rates as of July 28, 2021

Account NameInterest RateAnnual Percentage Yield (1APY)Minimum deposit to open accountMinimum 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.

Certificate of Deposit Rates

Rates as of July 28, 2021

CD TermInterest RateAnnual Percentage Yield (1APY)Minimum Deposit to Open AccountEarly Withdrawal Penalty (EWD2)
3 Month 0.10% 0.10% $1,000 91 Days
6 Month 0.10% 0.10% $1,000 91 Days
12 Month 0.15% 0.15% $1,000 182 Days
18 Month 0.20% 0.20% $1,000 182 Days
24 Month 0.30% 0.30% $1,000 182 Days
36 Month 0.40% 0.40% $1,000 182 Days
48 Month 0.45% 0.45% $1,000 365 Days
60 Month 0.55% 0.55% $1,000 365 Days
12 Month All-Star Youth 0.30% 0.30% $300 182 Days

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.

PSB Debit Card

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.

MoneyPass®

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.

Your Way Rewards

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

RoundUp Savings

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.

Contact your local branch to enroll. 

Safe Deposit Box

Secure your important documents and valuables in a PSB Safe Deposit Box.

Box SizeAnnual 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.