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E-Statements and Online Banking

Learn all the details about E-Statements and Online Banking at Peoples Community Bank. Here, you’ll find important information about E-Statements so that you can use services at Peoples Community Bank online. We have also included helpful alerts about scams for you to be aware of as you bank online. If you have any questions, please contact us right away!

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We’ve upgraded to a new online banking experience. Enjoy great features such as:

  • Depositing checks into qualified accounts using the mobile deposit feature. *Daily/Monthly limits apply
  • Cancel a lost or stolen card and even activate a new card.
  • Search for transactions, view check images, and filter by tags. Understand your activity and find what you’re looking for fast!
  • A redesigned mobile app. *The former Mobile App will only be available for a limited time after May 18th. 
  • Two-Factor Authentication. *Two-Factor Authentication setup will be required after initial log in. A code will be delivered via text, phone call or Authy app to a number you provide.
  • Easily and securely log in to your mobile device using fingerprint, facial recognition, or passcode.

Download our helpful tip guide for the update here.

analyzing e-statements

E-Statements

We are pleased to announce Electronic Statements otherwise known as E-Statements are now available!!!

The new enhancement gives our customers the option to receive electronic statements instead of regular paper statements. This will be a great benefit for our staff as well as for our customers. A Netteller ID or POP ID and Adobe Reader will be required to have this new feature. Click below to see how to self-enroll for E-statements.

Learn more here

Scam Alerts

Peoples Community Bank strongly urges you to NOT give out any personal account information over the phone, by mail or by email. Peoples Community Bank does not make telephone calls or send out mail or emails of this nature. If you have any questions, please call our customer support team at 573-224-3267 or your local Peoples Community Bank facility.

IF YOU ARE A VICTIM OF IDENTITY THEFT CALL THE FEDERAL TRADE COMMISSION’S ID THEFT HOTLINE @ 1-877-ID-THEFT

ALSO, CONTACT THE THREE NATIONAL CREDIT BUREAUS:

Bank Solicitations
Peoples Community Bank does not solicit customers’ account or personal information via phone, email or text messaging.

Should you receive any solicitations requesting account information (for example, your account number, debit card number, PIN, etc.), do not respond.

ATM Safety Tips
We have provided for your information a list of safety precautions regarding the use of automated teller machines (ATM). Please read the following tips:

  • Be aware of your surroundings, particularly at night.
  • Consider having someone accompany you when the automated teller machine is used after dark.
  • It is appropriate to politely ask someone who is uncomfortably close to you to step back before your complete your transaction.
  • Refrain from displaying your cash. Pocket it as soon as your transaction is completed. Count the cash later in the safety of your car or home.
  • Consider using another automated teller machine or coming back later if you notice anyone suspicious. If you are in the middle of a transaction and you notice something suspicious, cancel the transaction, pocket your ATM card and leave.
  • Go to the nearest public area where people are located if you are followed after making a transaction.
  • Report all crimes to law enforcement officials immediately.

Elder Abuse
Elder Financial Abuse has become something that happens more frequently as the years go by. Here are some tips that the elderly can use to possibly help prevent this from happening:

  • Never give out your social security number to anyone that calls you.
  • Don’t carry your social security card with you. It is best to keep it locked up in a safe.
  • Do not place your social security number or driver’s license information on your checks.
  • Be suspicious of telephone solicitors
  • Be suspicious of anyone that knocks on your door that is offering you home repairs. It is always best to check out anyone with the local Better Business Bureau.
  • If you have someone that provides you home health, make sure that your financial information is not left in an area that can be accessed without your knowledge.

Use the Senate Committee on Aging’s toll-free fraud hotline at 1-855-303-9470 to report suspected fraud.

Identity Theft
Identity theft occurs when someone uses your personally identifying information, like your name, Social Security number, or credit card number, without your permission to commit fraud or other crimes. The FTC (Federal Trade Commission) estimates that as many as 9 million Americans have their identities stolen each year. 1-877-438-4338 or by the web www.consumer.gov/idtheft

The crime takes many forms. Identity thieves may rent an apartment, obtain a credit card, or establish a telephone account in your name. You may not find out about the theft until you review your credit report or a credit card statement and notice charges you didn’t make-or until you’re contacted by a debt collector. Identity theft is serious. While some identity theft victims can resolve their problems quickly, others spend hundreds of dollars and many days repairing damage to their good name and credit record. Some consumers victimized by identity theft may lose out on job opportunities, or be denied loans for education, housing or cars because of negative information on their credit reports. In rare cases, they may even be arrested for crimes they did not commit.

How do they do it?
Identity theft starts with the misuse of your personally identifying information such as your name and Social Security number, credit card numbers, or other financial account information. For identity thieves, this information is as good as gold. Skilled identity thieves may use a variety of methods to get hold of your information, including:

  • Dumpster Diving. They rummage through trash looking for bills or other paper with your personal information on it.
  • Skimming. They steal credit/debit card numbers by using a special storage device when processing your card.
  • Phishing. They pretend to be financial institutions or companies and send spam or pop-up messages to get you to reveal your personal information.
  • Changing Your Address. They divert your billing statements to another location by completing a change of address form.
  • Old-Fashioned Stealing. They steal wallets and purses; mail, including bank and credit card statements; preapproved credit offers; and new checks or tax information. They steal personnel records, or bribe employees who have access.
  • Pretexting. They use false pretenses to obtain your personal information from financial institutions, telephone companies, and other sources.

How do you find out?
The best way to find out is to monitor your accounts and bank statements each month, and check your credit report on a regular basis. If you check your credit report regularly, you may be able to limit the damage caused by identity theft.

What should you do?
Filing a police report, checking your credit reports, notifying creditors, and disputing any unauthorized transactions are some of the steps you must take immediately to restore your good name. A police report that provides specific details of the identity theft is considered an Identity Theft Report, which entitles you to certain legal rights when it is provided to the three major credit reporting agencies or to companies where the thief misused your information. An Identity Theft Report can be used to permanently block fraudulent information that results from identity theft, such as accounts or addresses, from appearing on your credit report. It will also make sure these debts do not reappear on your credit reports. An Identity Theft Report is also needed to place an extended fraud alert on your credit report. You may not need an Identity Theft Report if the thief made charges on an existing account and you have been able to work with the company to resolve the dispute. Where an identity thief has opened new accounts in your name, or where fraudulent charges have been reported to the consumer reporting agencies, you should obtain an Identity Theft Report so that you can take advantage of the protections you are entitled to.

In order for a police report to entitle you to the legal rights mentioned above, it must contain specific details about the identity theft. You should file an ID Theft Complaint with the FTC and bring your printed ID Theft Complaint with you to the police station when you file your police report. The printed ID Theft Complaint can be used to support your local police report to ensure that it includes the detail required. A police report is also needed to get copies of the thief’s application, as well as transaction information from companies that dealt with the thief. To get this information, you must submit a request in writing, accompanied by the police report, to the address specified by the company for this purpose.

How can you help?
Awareness is an effective weapon against many forms identity theft. Be aware of how information is stolen and what you can do to protect yours, monitor your personal information to uncover any problems quickly, and know what to do when you suspect your identity has been stolen. Armed with the knowledge of how to protect yourself and take action, you can make identity thieves’ jobs much more difficult. You can also help fight identity theft by educating your friends, family, and members of your community.

FTC Identity Theft hotline 1-877-438-4338 or by the web www.consumer.gov/idtheft

TransUnion: 1-800-680-7289
Experian: 1-888-397-3742
Equifax: 1-800-525-6285

While the bank is always striving to protect your identity and banking information here are some tips you can utilize to help protect yourself.

  • Be aware of your surroundings when giving out personal or banking information. Spying eyes could be watching you enter your PIN at the grocery store or eavesdropping when you give your Social Security Number out at a doctor’s office.
  • Protect your purse or wallet. Don’t store login or password information in your purse or wallet, this can easily be lost or stolen and end up in the wrong hands. It’s also best to not carry your Social Security card or an excessive amount of debit/credit cards that are not used often.
  • Know that the information you are putting out on Social Media could be used against you. Check your privacy settings and know who you are connecting with. Don’t share anything that could be used to answer security questions or help steal your identity. Frequently change your password and set up multi-factor authentication when offered.
  • Use our PCB E-Statements for paperless statements. This helps with less printed personal information that needs to be shredded constantly. If you choose to receive paper statements from your bank or any company make sure to properly store them in a safe place to prevent unauthorized access or shred them properly.
  • While using a web browser check the URL for “https,” instead of “http.” The “s” means it is secure and is using Secure Sockets Layer known as “SSL.” This means the website has been authenticated and using encryption methods. You can also look for the “padlock” symbol as well.
  • Be very cautious about clicking links or opening downloads in emails or text messages. It could be malware which is used to steal your information.
  • Never share your personal or banking information unless you are absolutely certain you know the person/company and what they are using it for.
  • Email shouldn’t be used to send personal or banking information, but if necessary make sure you are using an encryption method.

Certain phone calls, text messages and emails from legitimate financial institutions or businesses could very well be crooks claiming to be representatives at these places. When this happens it is known as a “phishing” scam. The term “phishing” is a high-tech variation of the term “fishing” for personal information. In situations like these, they will ask for information regarding a bank account, credit card, social security number, and other identification numbers.

Best practice is to call the company directly before giving out any information. You can visit their website, check your bills or banking documentation to retrieve legitimate phone numbers. Never rely on the phone numbers they have given you in the call, text or email. 

Despite the convenience of debit cards there is a risk of fraud. It is important to protect your debit card as you would your cash, credit cards or checks. Here are a few tips to help you avoid becoming a victim of debit card fraud.

  • Check your bank statements each month; make sure all payments are yours.
  • Contact your bank immediately if your card is stolen or lost.
  • Memorize your PIN number. Never use your date of birth or social security numbers for PIN.
  • Know your limits. Many issuers have a daily purchase and daily withdrawals for your protection.
  • Do not give your PIN number to anyone. Your PIN is for your use only.
  • Be careful when entering your PIN number; make sure no one is watching you.
  • Make sure you take your receipts with you. Do not leave them in the ATM machine.

These tips are a start to ATM safety. Preventing debit card fraud is a combined effort between you and your bank. Peoples Community Bank wants to keep you and your debit card safe.

  • Always keep your software and applications up to date on your computer and mobile devices. This will ensure you have the latest version to assist with keeping your computer and mobile devices safe and secure.
  • Use Anti-Virus and Firewall protection from trusted vendors. Having these in place and up to date can help block and detect any viruses, malware, or malicious activity that may be on or trying to access your device.
  • Don’t use public/shared Wi-Fi to access your online banking.
  • Set up passwords, passcodes, fingerprint/facial recognition or other security settings on your computer and mobile devices to prevent unauthorized access.
  • Never leave your computer or mobile device unattended while accessing your online banking account.
  • Create strong, not easily guessed passwords, which contain a combination of letters, numbers, symbols, and upper/lower case letters.
  • Do not use the same password more than once.
  • Avoid saving your password in web browsers or in apps.
  • Never share your username or password.
  • Use Two-Factor or Multi-Factor authentication whenever available. This adds an extra layer of security to your logins by requiring an extra piece of authentication.
  • Log in and review your online banking account details and history regularly and report any suspicious activity to the bank.
  • Always log out of your online banking when finished with it.
  • Set up alerts on your online banking account that will notify you if any changes were made such as password or email address change.
  • Only download apps and programs from reputable sources. Always read the permissions to see what information you are allowing access to.
  • Follow your mobile device or computer manufacturer’s instructions for removing your personal information before disposal or resale.
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Free Credit Reports

Did you know that everyone is entitled to a free credit report each year? To receive yours go online to www.annualcreditreport.com or call 1-877-322-8228.

Choose Peoples Community Bank

When you choose Peoples Community Bank, you’ll be treated like family each and every time you walk in our doors. Contact us today for more information about our savings account or visit one of our branches. Find the Peoples Community Bank near you on our Branch Locations Page.

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