Personal Checking Accounts

​Choose the checking account that best fits your financial needs.

From Basic to our flagship True Local Premium, our checking accounts feature a variety of money management tools to keep you organized and informed. And our mobile app allows you to stay on top of your money anytime...anyplace!
 

Basic Checking

It Really is Absolutely FREE!!!

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  • Small $25 Minimum to Open
  • No Monthly Maintenance Fees
  • Free ATM**/Debit Card
  • Free Telephone Banking
  • Free Online Banking and Bill Pay
  • Free Account Alerts
  • No Check Writing Limits
  • Mobile Banking App† with Deposit Capture†
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True Local Checking with Interest

Earn Interest with a Low Minimum Balance!

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  • 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 Deposit Capture†
  • Free Telephone 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
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True Local Premium Checking

Enjoy all the Benefits of our Flagship Account!

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  • 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 Deposit Capture†
  • Free Telephone Banking
  • Free Account Alerts
  • Free Online Banking and Bill Pay
  • No Check Writing Limits
  • No Foreign ATM or POS Fees**
  • Free Travelers Checks
  • Free Counter/Cashier Checks
  • Discounted Safe Deposit Box (when available)
  • Discounted Real Estate Closing Fees (up to $300))****
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7 month CD Rate Special
2.00% APY
Disclaimer
​Basic Checking
** 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.
 
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