Personal Checking Accounts
Choose the checking account that best fits your financial needs in New York.
From Basic to our flagship True Local Premium, PCSB Bank's checking accounts feature a variety of money management tools to keep you organized and informed. And our mobile banking app allows you to stay on top of your money anytime...anyplace!
Basic Checking Account
It Really is Absolutely FREE!!!
Contact Us- Small $25 Minimum to Open
- No Monthly Maintenance Fees
- Free ATM**/Debit Card
- Free Phone Banking
- Free Online Banking and Bill Pay
- Free Account Alerts
- No Check Writing Limits
- Mobile Banking App† with Mobile Deposit Capture†
True Local Checking Account with Interest
Earn Interest with a Low Minimum Balance!
Contact Us- Earn Interest on Full Amount of Deposit
- Free First Order of PCSB Club Style Checks (or $5.00 credit toward other style)
- Small $25 Minimum to Open
- Monthly Maintenance Fees may apply*
- Free ATM**/Debit Card
- Mobile Banking App† with Mobile Deposit Capture†
- Free Phone Banking
- Free Online Banking and Bill Pay
- Free Account Alerts
- No Check Writing Limits
- Foreign ATM** Fee Waived for up to 6 Foreign ATM Transactions
True Local Premium Checking Account
Enjoy all the Benefits of our Flagship Bank Account!
Contact Us- Earn Bonus Interest on Full Deposit Amount
- Free PCSB Club Style checks (or credit toward any other style)
- Small $100 Minimum to Open
- Monthly Maintenance Fees may apply*
- Free ATM**/Debit Card
- Mobile Banking App† with Mobile Deposit Capture†
- Free Phone Banking
- Free Account Alerts
- Free Online Banking and Bill Pay
- No Check Writing Limits
- No Foreign ATM or POS Fees**
- Free Counter/Cashier Checks
- Discounted Safe Deposit Box (when available)
- Discounted Real Estate Closing Fees (up to $300))****
Mobile Banking Apps
Download the perfect App for you!
Preferred Money Market Rate Special
2.05% APY*
4.75% APY Rate Special
4.75% APY
** A fee will apply when using a non-PCSB ATM.
†Connectivity and usage rates may apply. Contact your wireless service provider for more details.
True Local Checking with Interest
*Simply maintain a $1,000 average monthly balance in your checking, or $2,500 combined average monthly balance in checking and savings to avoid monthly maintenance fees.
** A fee will apply when using a non-PCSB ATM.
†Connectivity and usage rates may apply. Contact your wireless service provider for more details.
True Local Premium Checking
*Simply maintain either a $2,500 monthly average balance in checking, a $5,000 combined average balance in checking and savings, or a $25,000 outstanding balance on a PCSB loan.
**The ATM owner may charge a fee for using their ATM. For additional information on our services and fees please refer to our disclosures of accounts and fees.
†Connectivity and usage rates may apply. Contact your wireless service provider for more details.
****Discount does not apply for investment properties.
Home Mortgages
Calculate your mortgage payment.