Personal Checking Peoples Savings Bank

PSB Premium Checking 3.20% APY

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

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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 privilege of up to $1,500 if requirements are met.
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: $25.00/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 $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.

PSB Regular Checking

The regular checking account with no requirements

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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)
Overdraft privilege of up to $1,500 if requirements are met.
Stop Payment/Renewal: $25.00/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 $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.

Green Plus Checking

Let this be your Interest bearing checking account with a low monthly balance requirement with unlimited check and debit card transactions.

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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 privilege of up to $1,500 if requirements are met.
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: $25.00/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.

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

Checking Account Rates

Last Updated: May 16, 2022

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.

³For 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.