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!


Our new mobile deposit service is now available for your convenience!

This is a free service (carrier rates may apply) available to our mobile banking customers. SnapCheck will allow you to take a snapshot of your check to be deposited and transmit it electronically to your account. Once the deposit is made a Deposit Acknowledge will be sent to you immediately. This service is safe, simple and convenient! 

PSB Mobile App may be downloaded through the App store or Google Play.

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.

Bill Payment

Easily and quickly handle your bills and avoid the costs of checks, envelopes, postage and the delays incurred using the mail. With PSB-eBank’s Bill Payment option, you can pay bills immediately or set them up for future dates. It handles One Time and Recurring payments, pending bill payments, and maintains historical bill payments. We can save you time and money when you use this service.

There is no charge for Bill Payment, enjoy this valuable service for free!

Overdraft Protection

Peace of mind comes easy when you don’t have to worry about an accidental overdraft. At Peoples State Bank you can obtain overdraft protection in two ways. You can obtain one of our 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.

Direct Deposit & Automatic Transfers

To help you maintain a regular plan for savings or investment, we offer automatic transfer service. This service allows you to transfer funds between your accounts each month. There is no charge for the automatic transfer, but the amount must be the same each month. You can also have your loan payments transferred automatically from your checking account. With Direct Deposit, your check is sent directly to your account electronically and is available for use immediately. There is no charge for Direct Deposit transactions.

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 People 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.

Funds Availability

Peoples State Bank’s policy is to make funds from check deposits available on the first business day after the deposit is made. Electronic direct deposits will be available on the day the deposit is received. Every day is a business day, except Saturdays, Sundays and federal holidays. Deposits made before 5:00pm Monday thru Thursday and 6:00pm on Friday’s are considered to be deposited on that day. When a customer makes a deposit after business hours or on any day the bank is closed, his or her deposits will be processed on the next business day the bank is open. Therefore, if a deposit is placed in the night depository on Saturday night, the deposit is considered to be received on Monday morning. If you have any questions or concerns about Funds Availability please do not hesitate to contact one of our customer service representatives.

FDIC Insurance

Your dollars are safe when placed in our care. Each depositor is insured for up to $250,000 by the Federal Deposit Insurance Corporation. By structuring your accounts in a certain fashion, you can be insured for much more than $250,000. If you would like more information to determine how to make certain that all of your accounts are adequately covered by FDIC insurance, check out the FDIC’s insurance coverage calculator at www.fdic.gov

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.