Savings & Checking Accounts

Stop by anytime to create an account at Piscataqua Savings Bank. Our helpful, friendly staff makes the process quick and easy. We offer a wide range of options: See below to find the account — or accounts! — that will meet your needs.

Open an Account

Checking Account Types


An interest-bearing account with low minimum balance requirements. This account comes with a debit card, free internet access and free bill-pay service. Plus, we will refund up to $10 per month in fees charged by other banks for using their ATMs.

eAccess Checking

If you don’t write checks and are looking for a completely electronic account with no monthly service charge,* eAccess is for you. This account includes online banking and bill pay, eStatements, a Visa® debit card, and Zelle®, and we will refund all fees charged by other banks when you use their ATMs.

*There is a fee of $0.50 for every check written.

Companion Checking

If you’re a Loan or Trust customer or have a Premier Money Market account with us, you qualify for this exclusive account and all its no-fee perks. Enjoy free checks, money orders and treasurer’s checks, free domestic wire transfers, a free safe deposit box for one year, and more. Plus, we will refund up to $10 per month in fees charged by other banks for using their ATMs.

Business Checking

If you own a small business or have basic business checking needs, we can help. This account has minimal service charges, and you can reduce those fees by maintaining even a low balance. Plus, we will refund up to $10 per month in fees charged by other banks for using their ATMs.

Savings Account Types


Do you like having a paper book in which to record your banking transactions? We get it! With a passbook account, you’ll earn interest on your savings and never pay any service charges, no matter what your balance is.


This savings account is for customers who want to receive a statement of transactions every month. We’ll pay you interest on your savings, and you’ll never pay any service charges. We can also combine your savings account statement with your checking account statement.

Vacation Club

If you’re planning a special trip, this account will help you get there. We’ll pay interest on your account, and you’ll never pay any service charges. We’ll send you a check at the beginning of May for the balance on your account, and you’ll be on your way to a great vacation!

Christmas Club

A great way to plan for holiday gift giving is to earn interest on your savings. We’ll send you a check at the beginning of November for the balance on your account, so you can start your holiday shopping.

Health Savings Account

HSAs are designed for individuals and families who are covered by high-deductible health care insurance plans as defined by the Internal Revenue Service (IRS). HSAs provide similar features to a checking account with competitive interest rates, check writing capabilities for IRS-qualified medical expenses, and a debit card that provides access to your HSA funds for IRS-qualified medical expenses at point of sale (POS) with signature or PIN. There is a one-time $15 set up fee for opening an HSA.

Step into Piscataqua Savings Bank, and you’ll quickly see the difference. We really are the bank where everybody knows your name.

CD & Money Market Accounts

At Piscataqua Savings Bank, we’re always surveying deposit rates to ensure that we’re giving our customers the best rates possible. Click here for our current rates and check back often, as this page is updated daily.

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Money Market

This is a classic money market account for customers with $2,500 or more. It features a tiered interest rate structure — so, the higher your balance, the more interest you’ll receive.

Certificates of Deposit

We offer terms from three months to five years, with very competitive rates and low minimum balance requirements. You can receive statements monthly, quarterly or annually, or combine them with your monthly checking account statements. Interest is compounded and can be withdrawn or automatically transferred into your checking account at any time without penalty.

IRA Accounts

We want to be the bank you turn to when it comes to saving for a happy, healthy future. That’s why we offer several options to help you plan for your retirement with ease. We’re also proud to say that while some banks have annual, monthly and/or penalty fees, we have NO fees at all unless you make an early withdrawal.

If you’re building for your future or just getting ready to begin saving, want to transfer an existing IRA account or are looking for the best rate on a rollover from an employer-sponsored plan such as a 401(k), please review our IRA options below. We encourage you to stop in or call us anytime to discuss your financial needs in detail. Keep in mind that retirement accounts at Piscataqua Savings Bank are FDIC insured for $250,000, separately from your other deposit accounts.

IRA Account Types

Traditional IRA

A traditional IRA lets you save for retirement as you enjoy tax advantages. This means your contributions (including earnings and gains) won’t be taxed until you take a distribution (withdrawal) from your IRA. As of 2020, the IRS allows you to contribute up to age 70 and a half.

If you have an existing IRA and would like to transfer your account from another institution, we offer great rates. Likewise, if you need to rollover your retirement account from your employer-sponsored retirement plan, just come see us. Either way, we’ll take care of everything for you — that’s why we’re here!

Coverdell Education Savings Account

The Coverdell Education Savings Account (CESA), formerly known as an Education IRA, is a nondeductible account that allows you to save money towards a child’s education on a tax-favored basis. Distributions used to pay for qualified education expenses are federal income tax free.

There are no compensation requirements or age restrictions for contributors. Total aggregate contributions allowed into one or more CESAs on behalf of any child is $2,000 per year. Please call us for more information about opening or transferring funds into a Coverdell Education Savings Account.

Roth IRA

Establishing a Roth IRA allows non-tax-deductible contributions and withdrawals for certain distribution reasons after a five-year holding period. You may be eligible to establish a Roth IRA depending on your level of earned income. Please see us or call for details.

If you’d like to transfer an existing Roth IRA from another institution, we offer great rates and will be happy to assist you in the process. Or you can convert your traditional IRA into a Roth account for greater benefits. Again, we’ll make the process easy for you. All you have to do is come in and see us!

Kids’ Bank

Saving your money is fun! Come into the Kids’ Bank with your mom, dad or grandparent and open your very own bank account today! You’ll get a special passbook that shows how your money grows.

If you’re already one of our special Kids’ Bank customers, you know you can come in every Saturday morning and visit our friendly banking bear, B.A. Saver. Watch your money grow as you deposit your allowance, birthday or holiday gifts, and even the money you get from the tooth fairy!

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