Other Products and Services

Credit Cards

Does your credit card have a great community behind it? From Main Street to your street, we want our community to thrive.

Our Visa Platinum Credit Cards* have multiple layers of protection that give you an extraordinary level of security. Identify Theft Assistance, fraud monitoring, and travel accident insurance all come standard with our credit cards.

When you use your card, the rewards keep coming:

  • Earn one point for every dollar in net retail purchase.
  • There is no cap on how many points you can earn!
  • Redeem points for merchandise, rental cars, cruises, hotels, or air travel -with fewer restrictions, and no blackout dates.

Stop by either branch today to apply or apply online now!

Merchant Services

Maximize your sales potential by accepting VISA or MasterCard. Through Peoples State Bank’s relationship with Shazam we can process your credit card sales drafts at very competitive discount rates, probably better than what you have today. Contact one of our Customer Service Representatives for more information.

PSB MasterMoney Debit Card

Convenience and reliable access to your funds are important when choosing a bank. Once you’ve selected Peoples State Bank as your financial institution, you’re on your way to financial freedom. We believe you should be able to access your account anytime, day or night.

A MasterCard MasterMoney card* is an ATM card with the MasterCard logo and is often referred to as a debit card. You can use it for getting cash, and performing your daily banking needs such as deposits, transfers and obtaining account information. There’s much more you can do with your MasterMoney card*.

Your Peoples State Bank MasterMoney card* is accepted at over 14 million MasterCard merchants worldwide and your purchases are automatically deducted from your checking account.

EFT, Direct Deposit and Automatic Transfers

Business accounts can make electronic payments to vendors or governmental authorities. You can also have your loan payments transferred automatically from your checking account. With Direct Deposit, your customers can send funds directly to your account electronically and those funds are available for use immediately. There is no charge for Direct Deposit transactions.

Overdraft Protection

Sometimes in the rush of running a business, someone forgets to make a deposit or mails a check before your account is ready for it to paid. With Overdraft Protection, you don’t have to worry about an accidental overdraft or the disruption it can cause your employees or business relationships.

At Peoples State Bank you can obtain overdraft protection in two ways. You can obtain one of our Business Lines of Credit which begin with a $2,500 credit limit. Alternatively, you can choose to back up your checking account with an automatic transfer from your savings account or another checking account. Either way, you can rest easy knowing that a simple bookkeeping error will not result in embarrassment.

Call us today to make arrangements to give your checking account a safety net.

Same Day Credit / No Cut-Off

You won’t have to rush around during your lunch hour to make an early banking cut-off time at Peoples State Bank. Any deposit you make before we close will be processed on the same business day, right up to closing time. Items received on Saturdays will be processed on the next business day. Large or bulk deposits should be made earlier in the day so that we can call your business back if there are any errors in the deposit transaction.

Businesses that wish to use the night depository for regular deposits after hours, or safekeeping, may purchase locking zipper bags for $20.00 each. Small zipper bags may also be purchased for $3.00 each. Deposits placed in the Night depository after 7:30am or on Saturdays, Sundays, and Holidays are posted on the next business day. Customers can choose bags that the bank may open and process each morning, or bags that only they can open.

ATM Fees

There is no fee whenever you use the ATM machine at our banking office. When you use an ATM not owned by Peoples State Bank, there is a $1.00 charge by our bank for the transaction. You may also be charged a fee by the ATM operator and you may be charged a fee for a balance inquiry even if you do not complete a withdrawal or transfer of funds.


* MasterMoney Debit Card and Credit Card products are subject to credit approval.