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Routing Number: 081206328

FDIC-Insured - Backed by the full faith and credit of the U.S. Government.

Online Banking

Online Banking Contract

Earn More with Peoples Reward Checking

Make your checking account work harder for you with Peoples Reward Checking from The Peoples State Bank. Earn 2.27% APY* on qualifying balances up to $20,000, enjoy nationwide ATM fee reimbursement**, and take advantage of a free checking account with no monthly fees and no minimum balance.

Qualifying is simple. Each qualification cycle, complete three easy requirements to earn the reward rate and receive ATM fee reimbursement: have 10 debit card purchases, excluding ATM transactions, post and clear; have one direct deposit or one ACH auto debit post and clear; and receive your statement electronically.

Account Features

  • 2.27% APY* e-rate+ on balances up to $20,000 when qualifications are met
  • 0.25% APY* e-rate+ on balances over $20,000 when qualifications are met
  • 0.05% APY* base rate if qualifications are not met
  • Nationwide ATM access with ATM fee reimbursement when qualifications are met**
  • No monthly fees
  • No minimum balance
  • $50 minimum deposit to open account

Peoples Reward Checking is designed to give you more value from everyday banking. Use your debit card, connect your direct deposit or ACH auto debit, receive electronic statements, and enjoy the opportunity to earn a higher rate while keeping the convenience of free checking.

Contact The Peoples State Bank today to learn more or open your Peoples Reward Checking account.

Earn 2.27% APY* with our high-yield Peoples Reward Checking account. Qualifying is simple and easy.

*Annual Percentage Yield.


*2.27% Annual Percentage Yield (APY) paid on balances between $0 and $20,000, and 0.25% APY paid on all amounts above $20,000 each cycle the minimum requirements are met. The blended rate for the entire account may be from 0.25% to 2.27% APY. All transactions-debit card purchases and ACH (direct deposit or auto debit) must be posted and cleared to the account during the qualification cycle to qualify. If you do not meet the requirements per cycle, your account will still function as a free checking account earning 0.05% APY, however it will not receive ATM refunds for that time period. Rates as of 07.18.2023. We may change the interest rate and APY at any time after the account is opened. No minimum balance required. However, you must deposit a minimum of $50 to open this account. Available to personal accounts only - Limited to 1 reward account per social security number. No monthly service charge. **ATM fee reimbursement capped at $25 per qualification cycle.