Checking Accounts

Choose the Checking Account that's Right for You

Whether you're looking for a traditional checking account with no frills or an account that allows you to earn interest balance, you have choices at PSB Bank. We offer three checking accounts, each of which includes the following benefits:

Free online banking and bill pay
Free eStatements
Free mobile banking
Mastercard^® debit card

If you're ready to open a checking account at PSB Bank, please use our online tool. If you have questions about which account may be the right choice for you, contact our personal banking team.
Open an Account Online Connect With Us Current Rates Reorder Checks

Online account opening is only available to residents of the following states: Missouri, Arkansas, Illinois, Kansas, & Iowa.

Compare PSB Bank Checking Accounts

	PSB Premium Checking	Green Plus Checking	PSB Regular Checking
Who This Account Is For	Ideal for customers who prefer digital banking, use their debit card regularly, and want to earn a competitive interest rate on everyday checking balances.	A good fit for customers who want an interest‑bearing checking account with a low balance requirement and fewer transaction conditions.	Best for customers looking for a simple checking account with no minimum balance or ongoing requirements.
How to Open an Account	Apply Online	Apply Online	Apply Online
Minimum Balance Requirement	$300 average daily balance; balances up to $25,000 earn the stated APY.	$300 minimum daily balance to avoid a monthly service charge.	None.
Requirements to earn stated APY	• Average daily balance: $300.00 • 2 ACH debit/credit transactions posted and debited/credited to the account per statement cycle • 15 Debit Card transactions posted and debited (ATM withdrawals do not apply) per statement cycle	$300 minimum daily balance to avoid a monthly service charge.	N/A
Key Benefits	• Earns a high interest rate when account requirements are met • Overdraft privilege available up to $1,500 (if requirements are met) • Monthly interest accrual and compounding	• Earns interest with a relatively low balance requirement • Overdraft privilege available up to $1,500 (if requirements are met) • Monthly interest accrual and compounding	• No minimum balance or usage requirements • Straightforward, no‑frills checking • Overdraft privilege available up to $1,500 (if requirements are met)
Fees & Charges	• Monthly fee $10 if average balance or usage requirements are not met • Overdrafts $30 per item (max $180/day; no charge under $5 or if balance is between −$5 and $0) • Returned items $30 per item (max $180/day) • Stop payments $25 per request • Extra statements $4 • Phone transfers $2 • Automatic overdraft transfers $5 per transfer ($50 increments) • Account research $30/hour (1‑hour minimum) • Dormant account $5/month on balances under $200 after one year of inactivity • Account closed with negative balance $25	• Monthly service charge $5 if balance falls below $300 any day in the statement period • Overdrafts $30 per item (max $180/day; no charge under $5 or if balance is between −$5 and $0) • Returned items $30 per item (max $180/day) • Stop payments $25 per request • Extra statements $4 • Phone transfers $2 • Automatic overdraft transfers $5 per transfer ($50 increments) • Account research $30/hour (1‑hour minimum) • Dormant account $5/month on balances under $200 after one year of inactivity • Account closed with negative balance $25	• Overdrafts $30 per item (max $180/day; no charge under $5 or if balance is between −$5 and $0) • Returned items $30 per item (max $180/day) • Stop payments $25 per request • Extra statements $4 • Phone transfers $2 • Automatic overdraft transfers $5 per transfer ($50 increments) • Account research $30/hour (1‑hour minimum) • Dormant account $5/month on balances under $200 after one year of inactivity • Account closed with negative balance $25

Checking Account Rates

Rates as of 6/17/2026

Account Name	Minimum balance required to earn interest	Minimum deposit to open an account	Interest Rate	Annual Percentage Yield¹ (APY)
PSB Premium	$0 - $25,000² Over $25,000	$300 $300	3.15% 0.05%	3.20% 0.05%
Green Plus	$300	$300	0.05%	0.05%

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

²For complete details please refer to the PSB Premium Truth in Savings Disclosure.

³You 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.