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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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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.

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 you 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

Use our PCB Mobile Banking App for multiple layers for password security. For example: The Apple product for the PCB Mobile Banking App has an option for ID Touch which is finger print authentication.

Use our PCB E-Statements for less paper printed with personal information that needs to be shredded constantly to protect from social engineering.

Don’t save passwords in browsers. Viruses could possibly take over a device and compromise your data by obtaining your passwords saved in the browser.

Don’t access bank website through public/ shared Wi-Fi networks because they are not very secure.

Internet Explorer and Google Chrome when accessing secure sites look for the green bar and lock symbol in the address bar. This tells the site is identified and verified by a trusted third party.

Don’t click on links in emails. Try to right click to copy and paste in new tab or paste to notepad to see where the link is actually taking you to.

Don’t share your bank information unless you are absolutely sure you know them and what they are using it for.

Certain 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

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.

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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.