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
- FREE E-statements
- FREE Online Banking and Bill Pay
- FREE Mobile App
- Mastercard® Debit Card
- 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
- 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
- Average daily 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 (ATM withdrawals do not apply) per statement cycle
- Online/Mobile 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
- 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 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.
Online account opening is only available to residents of the following states: Missouri, Arkansas, Illinois, Kansas, & Iowa.
Green Plus Checking
Let this be your Interest bearing checking account with a low monthly balance requirement with unlimited check and debit card transactions.
- FREE E-statements
- FREE Online Banking and Bill Pay
- FREE Mobile App
- Mastercard® Debit Card
- 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
- 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 daily balance: $300.00
- If daily balance drops below $300 there is a $5 service charge.
- 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
- 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.
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.
Online account opening is only available to residents of the following states: Missouri, Arkansas, Illinois, Kansas, & Iowa.
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
- 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
Account Requirements
- None
Fees and Charges
The following fees and charges apply to this account:
- 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.
Online account opening is only available to residents of the following states: Missouri, Arkansas, Illinois, Kansas, & Iowa.
Checking Account Rates
Last Updated: December 21, 2023
| Account Name | Interest Rate | Annual Percentage Yield1 (APY) | Minimum deposit to open account | Minimum balance required to earn interest |
|---|---|---|---|---|
| PSB Premium | 3.15% | 3.20% | $300.00 | $0 - $25,0002 |
| 0.05% | 0.05% | - | Over $25,000 | |
| Green Plus | 0.05% | 0.05% | $300 | $300 |
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.
Online account opening is only available to residents of the following states: Missouri, Arkansas, Illinois, Kansas, & Iowa.