Bank the PSB way with free checking that pays

Give your account a boost with 5.00% APY* earned on balances up to $25,000.

Benefits You’ll Love

  • Earn really high interest
  • No monthly maintenance fees
  • Spend with no minimum balance requirement
  • Save automatically when linked to Kasasa Saver®

*APY = Annual Percentage Yield. APYs accurate as of 01/02/2024. Rates may change after account is opened. Minimum to open is $25 for Kasasa Cash and $25 for Kasasa Saver. For Kasasa Cash, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 and credited to account on the last day of monthly statement cycle; (2) balances up to $25,000 receive APY of 5.00%; and (3) balances over $25,000 earn 0.50% interest rate on the portion of the balance over $25,000, resulting in 5.00% - 1.40% APY depending on the balance. If qualifications are not met on Kasasa Cash all balances earn 0.01% APY. Qualifying transactions must post to and settle Kasasa Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. The advertised Kasasa Cash APY is based on compounding interest. Interest earned in Kasasa Cash is automatically transferred to Kasasa Saver each statement cycle and does not compound. Actual interest amount paid may be less than advertised Kasasa Cash APY. The Kasasa Saver APYs may be less than Kasasa Cash APYs. Transfers between accounts do not count as qualifying transactions. Limit one account per SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.

Kasasa Cash CalculatorDisclaimer

Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.

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  • Estimated monthly interest earned* $0
  • Monthly ATM fees refunded**$0
Buy vs. Lease CalculatorDisclaimer

This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.

1. Vehicle Info
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2. Loan Details
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CD CalculatorDisclaimer

A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.

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  • Total interest earned $0
  • Annual Percentage Yield (APY)0.000%
Savings Goal CalculatorDisclaimer

Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.

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Simple Loan CalculatorDisclaimer

This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.

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  • Total paid $0
  • Total interest paid $0

Certificates of Deposit (CDs)

Term Balance to Earn APY Interest Rate APY
1 Month $2,500+ 1.00% 1.00%
3 Months $2,500+ 1.15% 1.15%
6 Months $2,500 - $34,999.99 1.40% 1.41%
6 Months $35,000+ 1.50% 1.51%
12 Months $250 - $9,999.99 3.20% 3.24%
12 Months $10,000 - $34,999.99 3.40% 3.44%
12 Months $35,000+ 4.55% 4.63%
24 Months $250 - $9,999.99 3.55% 3.60%
24 Months $10,000 - $34,999.99 3.65% 3.70%
24 Months $35,000+ 4.00% 4.06%
36 Months $250 - $9,999.99 3.55% 3.60%
36 Months $10,000 - $34,999.99 3.65% 3.70%
36 Months $35,000+ 3.75% 3.80%
48 Months $250 - $9,999.99 2.80% 2.83%
48 Months $10,000 - $34,999.99 2.90% 2.93%
48 Months $35,000+ 3.00% 3.03%
60 Months $250 - $9,999.99 3.00% 3.03%
60 Months $10,000 - $34,999.99 3.10% 3.14%
60 Months $35,000+ 3.20% 3.24%

1 month & 3 month certificate terms compound at maturity; all other certificate terms compound quarterly. The interest compounding method we use is the same as the crediting frequency. Other crediting frequencies may be available upon request. For all certificate terms 6 months or less the minimum required opening deposit is $2,500; all other certificate terms have a minimum required opening deposit of $250. Special rates on $100,000.00 and over may be available upon request. A penalty may be imposed for early withdrawal. You may request further information concerning early withdrawal penalties, fees and terms applicable to the advertised accounts. The annual percentage yield is accurate as of effective date listed. Rates and fees may change without notice.

Express Checking with Interest

Minimum Required Opening Deposit Balance Required to Earn APY Interest Rate APY
$1,000 $0 - $999.99 0.00% 0.00%
$1,000 $1,000 - $7,499.99 0.15% 0.00% to 0.13%
$1,000 $7,500 - $49,999.99 0.25% 0.13% to 0.23%
$1,000 $50,000 - $99,999.99 0.35% 0.23% to 0.29%
$1,000 $100,000 - $249,999.99 0.45% 0.29% to 0.39%
$1,000 $250,000+ 0.50% 0.39% to 0.50%

Kasasa Cash*

Minimum Required Opening Deposit Balance Required to Earn APY Interest Rate APY
$25 $0 - $25,000 4.89% 5.00%
$25 $25,000.01+ 0.50% 5.00% to 1.40%
$25 Qualifications not met 0.01% 0.01%

Qualifications

Earning the full rewards is so easy, you're probably already doing it! To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

  • Have at least 10 debit card purchases post and settle
  • Be enrolled and receive eStatement notice
  • Be enrolled and log into online banking
  • Have at least 1 direct deposit or automatic payment (ACH) post and settle

If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base interest rate. Plus, you can get back to earning really high interest and nationwide ATM fee refunds the very next month.

Kasasa Saver*

Minimum Required Opening Deposit Balance Required to Earn APY Interest Rate APY
$25 $0 - $25,000 1.00% 1.00%
$25 $25,000.01+ 0.50% 1.00% to 0.60%
$25 Qualifications not met 0.01% 0.01%

Qualifications

Qualifying for Kasasa Cash or Kasasa Cash Back rewards automatically qualifies you for the highest Kasasa Saver rate too.

It's no problem if you miss a qualification cycle. Both accounts are still free and earn our base interest rate. And you can get back to earning rewards the very next month you qualify.

Money Market Checking

Minimum Required Opening Deposit Balance Required to Earn APY Interest Rate APY
$1,000 $0 - $2,499.99 0.00% 0.00%
$1,000 $2,500 -$9,999.99 0.20% 0.20%
$1,000 $10,000 - $24,999.99 0.30% 0.30%
$1,000 $25,000 - $49,999.99 0.40% 0.40%
$1,000 $50,000 - $99,999.99 0.50% 0.50%
$1,000 $100,000+ 0.60% 0.60%

Peoples Preferred Savings

Minimum Required Opening Deposit Balance Required to Earn APY Interest Rate APY
$1,000 $0 - $999.99 0.00% 0.00%
$1,000 $1,000 - $7,499.99 0.70% 0.70%
$1,000 $7,500 - $49,999.99 1.10% 1.11%
$1,000 $50,000 - $99,999.99 1.50% 1.52%
$1,000 $100,000 - $199,999.99 2.25% 2.27%
$1,000 $200,000 - $499,999.99 2.50% 2.53%
$1,000 $500,000 - $999,999.99 3.25% 3.30%
$1,000 $1,000,000 - $4,999,999.99 4.10% 4.18%
$1,000 $5,000,000+ 4.35% 4.44%

Savings Accounts

Account Minimum Required Opening Deposit Interest Rate APY
Regular Savings $25 0.65% 0.65%
Minor Savings $0 0.65% 0.65%
IRA Savings $25 1.65% 1.66%
HSA Savings ($0 - $19,999.99) $25 1.30% 1.31%
HSA Savings ($20,000+) $25 1.65% 1.66%