Checking

Business

Savings

Health Savings

GOLD LEVEL

The EDGE Checking

• $100 to open    
• No minimum balance required    
• Free unlimited “The EDGE” checks ($2.00 shipping & handling applies)   
• Unlimited check writing   
• Interest bearing on balances over $1,000.00 (Current Interest Rates)   
• Free (no annual fee) Visa Debit Card or ATM Card    
• Free telephone banking    
• Free Online Banking    
• Free Bill Pay (unlimited access)    
• Overdraft protection options    
• Free Financial Analysis    
• Free Traveler’s Checks    
• Free Money Orders & Cashier’s Checks (limit 5 per month)  
• Free Notary Service   
• $5.00 per month member fee applies

• Age 50+ to qualify   
• $1,000 to open    
• No service charge    
• Free checks (NO shipping or handling charge)    
• $1,000 minimum (if balance below $1,000 – no interest, balances over $1,000
  = NOW Rate) (Current Interest Rates)   
• Free Visa Debit Card or ATM Card    
• Free Lock Box (new rental – 1^st year free)    
• Free Traveler’s Checks    
• Free Money Orders & Cashier’s Checks (limit 5 per month)    
• Free Online Banking    
• Free Bill Pay (unlimited access)  
• Discount on all Voyager trips

• $50.00 to open  
• Direct Deposit required 
• No minimum balance required  
• Unlimited check writing  
• First box of basic checks free ($2 shipping and Handling applies)  
• Free (no annual fee) Visa Debit Card or ATM Card  
• If direct deposit not initialized within 30 days or ceases, $8.00 monthly service
  fee charged  
• Non-interest bearing    

• $500.00 to open  
• $7.00 monthly service charge if balance falls below $500.00 
• Interest bearing (no tiers)  
• Unlimited check writing  
• Free (no annual fee) Visa Debit Card or ATM Card  
• First box of specialty checks free ($2 shipping and handling applies)  
• Must have either a Freedom Index Savings account OR two (2) other different
  PSB accounts or services to qualify including: Checking, Savings, CD, IRA,
  Loan, or Lock Box (primary ownership required)  
• Upon closure of other accounts, Freedom checking changes to NOW account  
• Rate 1.5% higher than the NOW rate (Current Interest Rates) 

• $100.00 minimum to open
•  Unlimited check writing
•  Visa Debit Card or ATM Card ($10.00 annual fee applies)
•  First 50 checks free
•  $5.00 service fee if balance falls below $100.00 (waived for students younger than 
  age 22 & seniors age 55+)
• Non-interest bearing 

• $1,000.00 minimum to open
• Monthly fee of $7.00  
• $.15 per debit/credit/ACH
• $.09 per item deposited     
• Earnings Credit Rate applied 
• Business Debit Card (No Annual Fee)  

• $100.00 minimum to open
• No monthly fee if your average monthly balance is greater than $1,500 and 
  you process fewer than 100 items. If your average balance is equal to or less than
  $1,500, there will be a monthly fee of $7.00
• Your first 100 items are free, then $.25 per item (deposits, ACH, debits/credits & 
  checks)
•  Non-Interest Bearing
• Business Debit Card (No Annul Fee)

•  Minimum to open $1,000
•  $10 Monthly Service Charge if balance falls below $1,000 
•  Unlimited Check Writing  
•  Business Debit Card (Annual Fee Applies)  
•  Interest Bearing (Current Interest Rates)       

• ACH Origination 
• Lock Box Processing 
• Merchant Card Services 
• Free Night Deposit Processing
• Remote Capture
• Internet Cash Management   

•   $10,000.00 to open 
•   $25.00 fee if balance falls below $10,000 
•    Debit transactions limited to 6 per statement cycle
•   $5.00 excess transaction fee per item over 6 
•    Tiered interest rates as follows, ceiling rates may apply  
  •  Tier 1 – Daily collected balance during the statement cycle of $0-$9,999.99.
      The rate of interest will be 0%  
  •  Tier 2 – Daily collected balance during the statement cycle of $10,000 to    $49,999.99.  Rate will be the average of the 13 week Treasury Bill auction
    rate minus 1&1/8% (1.125) with a maximum rate of 2.875% (2.91% APY)  
  • Tier 3 – Daily collected balance during the statement cycle of $50,000 to $99,999.99.   Rate will be the average of the 13 week Treasury Bill auction
    rate minus 7/8% (.875) with a maximum rate of 3.125% (3.17% APY)   
  • Tier 4 – Daily collected balance during the statement cycle of $100,000.00 - $249,999.00.   The rate will be equal to the average of the 13 week Treasury
    Bill auction rate minus ¾% (.75) with a maximum rate of 3.25% (3.30% APY)   
  • Tier 5 – Daily collected balance during the statement cycle of $250,000.00
    and up. Rate will be equal to the average of the 13 week Treasury Bill
    auction rate minus 1/2% (.50) with a maximum rate of 3.50% (3.56% APY)    

• $100.00 to open  (Current Interest Rates)
• $2.00 monthly service charge if balance falls below $100.00  
• 3 free transfers/withdrawals per month  
• $1.00 fee for each transfer/withdrawal over 3  

• $5.00 to open  
• Must be under age 20 (titled to child with guardian on account)  
• No minimum balance requirement  
• No service charge  
• Rate ½ % above basic savings (interest compounded and credited quarterly) 
  (Current Interest Rates)
• 3 withdrawals per month allowed  
• $1.00 fee for each withdrawal over 3  
• Unlimited deposits 

Christmas Club Account  

• $5.00 minimum to open (Current Interest Rates)
• November to October (pays out in October)  
• Will automatically renew year-to-year  
• Automatic debit from checking account
• Interest bearing  
• $5.00 early closure fee  

• $5.00 minimum to open  (Current Interest Rates)
• May to April (pays out in May)  
• Will automatically renew year-to-year  
• Automatic debit from checking account option  
• Interest bearing 
• $5.00 early closure fee  

• $500.00 to open  
• $10.00 fee if balance falls below $500.00  
• Debit transactions limited to 6 per statement cycle  
• $5.00 excess transaction fee per item over six  
• Interest bearing (two tiered rate .25% less for balances under $2,500)
  (Current Interest Rates)

Freedom Index Savings 

• $5,000 to open  
• $25.00 fee if balance falls below $5,000  
• Debit transactions limited to 6 per statement cycle  
• $5.00 excess transaction fee per item over 6  
• Tiered interest rates as follows, ceiling rates may apply  
• Monthly statements  
  • Tier 1 – Daily collected balance during the statement cycle of $0-$4,999.99.  
    The rate of interest will be 0%  
  • Tier 2 – Daily collected balance during the statement cycle of $5,000.00 to $49,999.99.  Rate will be the average of the 13 week Treasury Bill auction
    rate minus 3/8% (.375) with a minimum of 2.0% (2.02% APY) and a
    maximum of 4.275% (4.375% APY)  
  • Tier 3 – Daily collected balance during the statement cycle of $50,000 to $99,999.99.  Rate will be the average of the 13 week Treasury Bill auction
    rate minus 1/8% (.125) with a minimum of 2.25% (2.27% APY) and a
    maximum of 4.525% (4.625% APY)  
  • Tier 4 – Daily collected balance during the statement cycle of $100,000.00
    +.   The rate will be equal to the average of the 13 week Treasury Bill
    auction rate with a minimum of 2.375% (2.40% APY) and a maximum of
    4.65% (4.75% APY) 

• Have coverage under an HSA-qualified “high deductible health plan” (HDHP).  
• Have no other first-dollar medical coverage.  
• Are not enrolled in Medicare.  
• Cannot be claimed as a dependent on someone else’s tax return.