Current Rates / 09.03.2010
Interest Checking Account
Business |
Min. Balance |
$100 |
Rate |
0.20% |
APY 1 |
0.20% |
Consumer |
Min. Balance |
$25 |
Rate |
0.20% |
APY 1 |
0.20% |
Statement Savings Account
Consumer |
Min. Balance |
$25 |
Rate |
0.20% |
APY 1 |
0.20% |
Platinum Money Market
Balance ($100 min) |
Rate |
APY 2 |
$100 - $24,999 |
0.49% |
0.50% |
$25,000 - $74,999 |
0.75% |
0.76% |
$75,000 and up |
0.99% |
1.00% |
CD and IRA
Min. Balance: $1000 |
Term |
Rate |
APY 2 |
3 Months |
0.29% |
0.29% |
6 Months |
0.29% |
0.29% |
12 Months |
0.38% |
0.39% |
18 Months |
0.58% |
0.59% |
24 Months |
0.58% |
0.59% |
30 Months |
0.87% |
0.89% |
36 Months |
0.87% |
0.89% |
48 Months |
0.87% |
0.89% |
60 Months |
0.98% |
1.00% |
1 Annual percentage yield if interest remains on deposit compound
2 Early withdrawal penalty will apply
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Merchant Services
Increase Your Profits, Payment Options and Peace of Mind…
with Public Savings Bank Payment Acceptance Services!
Accepting credit and debit cards are smart business decisions. But not every payment service offers the same benefit to your business in terms of the level of service, security and cost savings. Choosing Public Savings Bank to process your payments will give you the highest level of in-person service at costs below other providers in the market place, including the large, national banks and processors.
Whether you operate a retail establishment, restaurant, healthcare office, mail order/telephone order business, provide business-to-business goods and services, or manage a government agency, we have the solutions to help you increase sales, increase profits through reduced costs, achieve greater control of your cash flow, minimize your collections risk, and serve your customers better.
PAYMENT ACCEPTANCE SOLUTIONS
• Credit and Debit Cards
We offer a wide variety of industry specific solutions that work with standard point of sale terminals, integrated software and internet based solutions, including a Virtual Terminal. Using our processing service your business can accept MasterCard, Visa, American Express, Diners, fleet cards, Maestro, Visa Debit, and all major online debit and EBT networks in the US.
• Gift Cards
Gift cards enable you to expand your market, increase revenue and build customer loyalty - all with electronic efficiency. Electronic gift cards reduce the time, labor and fraud associated with paper gift certificates. Our Gift Card Program lets you choose the card design and processing features that are right for your business. You can get up and running quickly with as few as 100 cards for a single location, or implement a fully customized program, including customer art work and card design. Plus, our gift card program works with almost any point-of-sale (POS) terminal or software system that you are already using for your credit card processing.
• Electronic Check Service
Our Electronic Check Service (ECS) will help reduce the costs and risks of accepting checks. Through the use of a check imager, your checks are electronically captured and processed just like credit card transactions, and funds are typically settled within 24-48 hours. You can process both business and personal checks - whether presented in person or through the mail. Processing options also include check verification, collection services and guarantee services.
• Dynamic Currency Conversion
DCC converts international MasterCard and Visa credit card purchases to the cardholder's home currency at the point of sale. The receipt will show both the home currency and US dollars. Additionally, you will receive a rebate of part of the conversion.
• Reporting Solutions
Our basic online reporting service is free. With this basic service you'll be able to view up to six months of past statements, chargeback and retrieval reporting, as well as batch reporting for up to 30 days of settled batch activity.
If your reporting needs are more complex, our Premium reporting service will give you access to a year's worth of reporting information on multiple merchant numbers and you will be able to "drill down" into your data to view batches of transactions grouped by card type or batch reference number. Hierarchical reporting allows you to aggregate data from multiple locations. Additionally you'll be able to view recent deposits, chargebacks and retrieval requests, and access customer support in a convenient and secure environment.
• Add to your bottom line...
Call us toll free at 888-8PUBLIC (888-878-2542) today or stop in our branch to see how you can reduce your payment processing costs and add any of the additional payment services mentioned above. If you don't already accept credit cards let us demonstrate how doing so can increase your sales and customer loyalty. In as little as 15 minutes of your time we can help to increase your bottom line!
Note: Merchant processing provided through Reliant Card Acceptance, a registered member Service Provider of Nova Information Systems.
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