Account Overview
Our flexible and accessible account is designed to help you manage your money with ease—while earning 1.00% APY on your balance. Enjoy the convenience of digital banking and features that fit your lifestyle.
Balance Requirements & Service Charges
To avoid a monthly service charge, maintain an average collected balance of $100.00 during the statement cycle.
No minimum balance requirement applies to account holders under age 23 or over age 55.
Interest Details
Interest is credited quarterly at a variable rate, currently 1.00% APY, and is subject to change at any time.
Statement Delivery
- Quarterly Statements are provided by default.
- If you receive an ACH deposit or make an ACH payment during the month, you’ll receive a monthly statement instead.
Statements are available in two formats:
- Paper Statements – Delivered by mail
- E-Statements – Accessible via the “Electronic Statements” widget in your Online Banking account or through PCSB One-Touch Banking
Transaction Limits
- Up to 9 withdrawals per quarter are permitted
- Each additional withdrawal incurs a $1.00 fee
- Online transfers will be disabled once the withdrawal limit is reached
Account Features
- Secure Online Banking
- Convenient PCSB One-Touch Banking
- Fast and easy Mobile Deposit Capture
Note: Enrollment in Online Banking is required to access PCSB One-Touch Banking and Mobile Deposit Capture services.