Author Archives: PBTC Blogger

Prep Your Home for the Cooler Months

Prep Your Home for the Cooler Months 

Fall is the perfect time to get your home clean, organized, and cozied up before the busyness the holiday season brings. Get these season tasks and household chores that may have been neglected during the summer marked off your cleaning list NOW! 

Winterize the Exterior of Your Home

Wash Down the Windows  

As winter days creep in, you’ll thank yourself for tackling this task in the early fall. Be sure to get one last wash on your interior and exterior windows and winterize them for energy efficiency. Freshen up your window treatments by cleaning any blinds or shades, wiping down windowsills, or dry-cleaning curtains. 

Fall-Proof the Backyard  

Get your exterior prepped for the cold by tackling these tips early on! As you are outdoors, be sure to give the exterior of your home a thorough inspection after the heat of summer. Look for loose or cracked shingles, any areas that need to be winterized, caulk windows, and get proper pest control.  

The Furniture 

With the unpredictable weather that fall can bring, it is in your best interest to attack the outdoor furniture before the cold weather hits. Give your outdoor furniture and cushions a thorough clean to remove built-up debris. If you are unsure how to best clean yours, here’s a guide. This is also a great time to give your landscape one final clean and power wash!  

The Grill 

As you are tackling your exterior cleaning, do not forget about your grill! Thanks to plenty of summer fun, I am sure your grill is sporting some grime. Give your grill and grilling utensils a much-needed deep clean as we exit grilling season. Here are some tips on how to best clean your grill. 

The Garage 

Do not forget to give your garage some love as you do your deep cleaning. Get rid of all the grass and debris that got in during the warm weather months. Now is also a good time to clean out a garage fridge or freezer, as well as yard tools so they are set for next year. Be sure to give your garage door any necessary maintenance to ensure its security during the colder months. 

Prep the Interior of Your Home

As fall approaches, do not forget to take proper steps to have your home looking and feeling its best as the days grow colder. Here are a few key tips to make sure you keep up on: 

  • Clean and reverse your ceiling fans 
  • Clean or replace HVAC filters 
  • Service your heating unit to ensure it runs efficiently 
  • Wipe down the baseboards  
  • Vacuum out closets 
  • Properly store away items that will not be used to avoid pests  

In the Kitchen: 

We use the kitchen daily, so it is important to give it a good clean, especially as we enter cold and flu season.  

  • Clear out your cabinets for a good wipe-down. This also gives you an opportunity to get rid of unused items and reorganize.  
  • The same goes for any drawers – take a drawer or two per day to empty, wipe down, and thoroughly organize.  
  • Wipe down and clean behind your appliances (refrigerator, stove, microwave).  
  • Plan a time to reorganize your pantry. 

In the Bathroom: 

  • Treat any mold or mildew in the shower.  
  • Clear out old or unused products from your bath and shower. Rid of any opened products that have gone unused in cabinets.  
  • Wash shower curtains and bathmats. 
  • Replace your toothbrushes.  

In the Bedroom: 

  • Vacuum under the bed and all furniture. 
  • Wash your heavier winter bedding before use. 
  • Vacuum and flip your mattresses. 
  • Clean your carpets, rugs, and closets. 

Peoples Bank & Trust Co.

Member FDIC

Equal Housing Lender

What is a Certificate of Deposit

What is a Certificate of Deposit? 

Do you know what a Certificate of Deposit is? Today we are going to outline the top 5 reasons you should open a Certificate of Deposit (CD), what a CD is, and why it financially makes sense to open one now. Keep reading to learn about the benefits of a Certificate of Deposit.

1. What is a Certificate of Deposit (CD) 

For the folks who think the market is the only place to invest your money, we hope to change your mind by the end of this blog. A Certificate of Deposit is a product that provides an interest rate premium in exchange for the customer leaving a lump-sum deposit untouched for a predetermined period of time. Investing your money is the best way to make your money work for you – consider opening a CD with us to work yours.  

2. CDs Have Higher Interest Rates  

What you may not know is that CDs pay a significantly higher interest rate than savings accounts or money markets as long as you leave your deposit untouched for that predetermined period of time.  

3. If You Don’t Need the Money Immediately, Put it in a CD

There is a reason CDs pay higher interest rates than savings accounts and we are going to fill you in on why. You can pull your money in and out of your savings account as you please. With a Certificate of Deposit, you’re required to lock your money in for a set amount of time. With that being said, if you absolutely have to withdraw money from a CD you may experience a fee.  

So to put it simple, if you have a chunk of money saved that you don’t need immediately, it is worth it to open a CD and stash it away. As the saying goes, make your money work for you and it absolutely will if you move it from a Savings or Money Market account to a Certificate of Deposit 

4. CDs are Safer and More Conservative Investments

Certificates of Deposit accounts are known as a safer and more conservative investment option in comparison to stocks and bonds as they offer lower opportunities for growth, but with a non-volatile, guaranteed rate of return. Although you lock into a set period of time when you open a CD, there are options for exiting early should you encounter an emergency or change of plans.  

5. CDs Can Provide You Peace of Mind 

Certificates of Deposit provide you with fixed rates for fixed terms. In a world of unknowns, especially right now, knowing the benefits of a CD can provide invaluable peace of mind when it comes to your money. Feel secure in knowing potential gains in an uncertain market don’t outweigh the need for a financial product like a CD that provides reliable growth.  

Are you ready to move your money to a Certificate of Deposit? We can help answer any questions you may have and get your new account started! Contact Peoples Bank & Trust today to discuss a Certificate of Deposit!  

Peoples Bank & Trust Co.

Member FDIC

Equal Housing Lender

Don't Overspend this Holiday Season - Steps to a Better Budget

Don’t Overspend This Holiday Season- Steps a Better Budget  

Summer has flown by and that means the holidays will be here before we know it. Setting a budget is crucial for not overspending during a very expensive time of year. Start saving and setting your budget now so that when the holidays arrive you aren’t scrounging to stay within your budget. Here are the top steps for creating a budget for the holidays, as well as some savings tips. 

Step 1: List Out Your Known Holiday Expenses 

Your best strategy to avoid overspending is to set and stick to a holiday budget. It is very important to list out early your known holiday expenses and remember the spending doesn’t stop with gifts. Plan for hosting, food, entertainment, holiday activities, decorations, travel, donations, cards, wrappings, stocking stuffers, work Christmas parties, or anything you typically spend money on during your holiday season. 

The process of creating your holiday budget is similar to your household budget – list all expenses and add them up. Seeing this total, you can evaluate if it is within reach or if you need to tighten up your budget. As you shop this is a list to refer to and decipher how much to spend on each item as you check off your list. 

Step 2: Set Your Spending Limit

The most important step is to identify how much you can afford to spend and set your spending limit. This amount should come out of cash or savings to avoid relying on debt. Look at your list of holiday expenses and remove items if at all possible, compare what you’ve totaled up to the money you have set aside for holiday spending. If your total is within reach, this is a time to be creative with how to save a little extra over the next few months to continuously set aside money for your holiday budget. Here are some ways to save extra:

  • Buy gifts early and on-sale
  • Shop Black Friday
  • Sell some things
  • Pick up a side hustle
  • Cut back on buying wants 
  • Reduce social spending
  • Tighten your budget up and send additional savings to your holiday fund
  • Take a holiday job

Step 3: Number Your Priorities

The holidays can be overwhelming if you don’t plan in advance, set your spending limits, and save, save, SAVE! To relieve some holiday anxiety, set your priorities and do not feel bad doing so. If your expense list seems to be long, it’s ok if you can’t afford every single item that’s where your priorities come in. Go through your list and assign each item a number based on its importance. Rework your list, putting your high-priority items at the top. Your high-priority items should be the first you save for and purchase. 

For example, suppose you decide that purchasing gifts is your top priority, while new holiday clothes for yourself are a low priority. As you work out your budget, you would allot more items to your gift fund than your clothing fund, possibly even waiting to purchase clothing until gifts are all purchased, and you have room in your budget. 

Step 4: Re-Work Your Budget; Allocate Funds

Allocating your funds is figuring out how much money to put towards each item on your list. Examine your list to roughly estimate how much each item costs and how much you plan to spend. Keeping this list realistic and projecting costs to be higher will keep you within your spending limit. If you have 20 gifts to buy, budget for each of these gifts at a doable cost. 

Step 5: Check in On Your Holiday Savings and Budget

When you have added up the amounts you’ve allotted for your items be sure this equals the total you set as your spending limit. If it doesn’t match up, this is the time to rework your savings plan or lower a budget for one of your priorities. Consider scaling back on activities or even how elaborate your holiday party may cost. This is where you can reference your numbered priorities list and see what can be rearranged to keep you within your budget. 

As you begin to shop and plans change, KEEP TRACK. Keep notes of expenses and receipts to know where you stand on purchases and stay within your desired spending limit. Don’t risk blowing through your budget by simply being unorganized or overspending. If it makes it easier, open an account specific to holiday spending to help you keep track of how much you’ve spent and to reference the cost of items as you shop. You also could create cash envelopes to keep priorities separate. 

There are several ways you can get ahead on holiday spending this year! The best thing you can do is start planning and saving now – you’ll thank yourself for a great financial start in the new year!

Peoples Bank & Trust Co.

Member FDIC

Equal Housing Lender

NMLS# 407724

What is FDIC Insurance?

What is FDIC Insurance?

Deposit insurance is one of the biggest pros of having an account at an FDIC-insured bank. An FDIC-insured bank protects your money in the event of an unlikely bank failure. Keep reading to learn the benefits of being covered by an FDIC-insured bank. 

What is FDIC Insurance? 

FDIC insurance is a significant benefit of putting your money in a bank that is FDIC insured. “The standard insurance amount is $250,000 per depositor, per insured bank, for each account ownership category.” Simply banking with an FDIC-insured bank takes away having to purchase deposit insurance, as you are automatically covered. FDIC insurance maximizes your protection. 

What Does FDIC Insurance Typically Cover? 

Just because a banking institution offers FDIC insurance, that does not necessarily mean all accounts, products, and investments are covered. 

FDIC insurance often covers:

  • Checking Accounts
  • Savings Accounts
  • Money Market Accounts
  • Certificates of Deposits
  • Cashier’s Checks or Money Orders
  • Negotiable Order of Withdrawal Accounts

The FDIC does not cover:

  • Stock Investments
  • Bond Investments
  • Mutual Funds
  • Annuities
  • Safe Deposit Boxes
  • Life Insurance Policies
  • U.S. Treasury Bills, Bonds, or Notes

Remember if your bank is an FDIC-insured institution coverage is automatic to you, there is no need to apply for FDIC insurance.

Are You Covered? 

To find out if your deposits are insured utilize the tools below to check if your bank is insured, which of your accounts are covered, and how much of your deposits are insured.

Is Your Bank Institution Insured? – Not all banks are FDIC insured. Be sure to check that your is!

Are Your Deposit Accounts Insured? – Not all accounts, products, and investments are covered by FDIC insurance. 

How Much of Your Deposits Are Insured?  Use EDIE or Electronic Deposit Insurance Estimator to determine how much are insured. 

Frequently Asked Questions About Deposit Insurance

If you are looking to learn more about FDIC insurance, we would be happy to help. If you are interested in FDIC deposit insurance coverage, simply make sure you are placing your funds in a deposit product at the bank.

Peoples Bank & Trust Co.

Member FDIC

Equal Housing Lender

NMLS# 407724

How to Save Energy in the Fall

How to Save Energy in the Fall

The warm days are slowly fading away. After a hot summer, it’s exciting to welcome Fall and Winter weather. As the weather begins to transition, here are some tips to incorporate in your home to save energy and some money! If you aren’t careful higher energy consumption can creep into the cooler months as well. 

Use Natural Light to Your Advantage 

Use the sun’s energy and warmth to your advantage! During the day you can finally open those blinds up for natural lighting and to heat your home. South-facing windows will help warm your home without using any energy at all. This is a great hack as you phase out the air conditioner and are not quite ready to turn on the heat. 

Seal Up the Cracks, Leaks, and Drafts

This is a big tip year-round to save energy, but after a hot summer, be sure to check for any new cracks, leaks, or drafts. Early fall is a great time to check for these things as well as doors and windows for any gaps letting heat out or cold air in. Catch the drafts early before you’re in the thick of winter – it will save you significantly. Another commonly missed area to check would be cut-throughs for pipe access, recess lighting, and entries to unfinished spaces for gaps affecting the insulation. 

Don’t Forget to Reprogram Your Thermostat

Strategically programming your thermostat can reduce energy use and save you quite a bit on the energy bill. Before the weather gets too cold. Make sure your heating system is working properly for the size of your home. This is a great time to change your air filter if you have not done so – this should be done monthly. 

Programing your thermostat for the warmer and cooler months is a top tip that if not done at all or done correctly can easily bust your budget and energy efficiency. As fall and winter weather moves in, it is recommended to set your heat at 68 degrees. This is to help the heat run systematically and not be overworked if it falls below 68 degrees. Programming your thermostat to a temperature you can leave for days is the best place for it to be to avoid using too much power. If you are going to be gone during the cooler months, you can turn the heat a little lower – 65 or lower – to save on energy while you are gone and increase incrementally a few degrees as you return. 

Prepare the Inside of Your Home

Not only does sealing any cracks, leaks or drafts improve your energy efficiency. A few other things you can do to reduce energy consumption and get your home cozy for winter are reversing ceiling vans, sealing your fireplace correctly, and replacing your indoor air filter. 

Ceiling fans can be a tool to keep you warm if properly set clockwise during the cooler months. Doing this pushes warm air down and cold air to redistribute the air coming out of vents to all areas of your home. As for the fireplace, be sure you are not letting warm air escape. Properly seal the damper as tightly as possible you may also consider adding an energy-efficient grate. Lastly, don’t forget to replace your indoor AND outdoor air filters – this is so important for energy efficiency and your health.

Incorporate these tips to reduce energy consumption this fall and winter! 

Peoples Bank & Trust Co.

Member FDIC

Equal Housing Lender

NMLS# 407724

At Home Activities to Keep Your Kids Busy in the Fall

At-Home Activities to Keep Your Kids Busy in the Fall

Fall is here and that means it is time to start planning out those seasonal activities. If you haven’t started brainstorming or are stuck on ideas for your fall fun, no worries – we’ve got you covered with these tips to keep your kids busy! Whether you’re planning for the sitter, your own kids, grandkids, or just need something fun to do, take a few minutes to add some activities to your fall to-do list.

Fall Slime 

With the unpredictable fall weather, the best activities can be done in or outside. Slime is a kid favorite, so why not make it fall-themed! This slime recipe will keep them engaged for hours!

How to create Fall Slime: https://bit.ly/3B1HhNH

Sidewalk Chalk Murals

If you get a nice fall day, be sure to craft your very own sidewalk mural before they are covered with snow! Whether you create designs or some games with chalk, you are bound to have a fun time. Sidewalk chalk is a good way to not only have a blast coloring but incorporating some learning. Encourage your kids to write letters, words, and names, as well as draw items to count!

Pumpkin Sensory Bag 

Sensory bags are a blast! Create your own sensory bag by adding in the guts of a pumpkin and allowing your kiddos to engage in sensory play! To create yours add squishy pulp, juice, and pumpkin seeds into a plastic bag. You can even dye your pumpkin seeds with food coloring for additional fun!

Homemade Autumn Playdough

Kids love playdough so you’ll most definitely want to try out making your own – especially when it smells like fall! Check out this helpful recipe to get you started. Don’t wait until Halloween to decorate your pumpkins, use your playdough to craft pumpkins, ghosts, apples, and more!

Milk Carton Boats 

Milk carton boats are a fun craft that gives your kids an opportunity to brainstorm. Use an old milk carton and craft a boat. You can even go as far as painting and decorating it! Once your boat is crafted, pick a nice fall day to put it in water to see how it floats. You can even have a competition and add weight to see who’s stays afloat longest.

Paint Kindness Rocks

Painting rocks can be a colorful craft and an act of kindness. This idea is as easy as finding some rocks and painting them. Paint inspiring words, quotes, or designs so once they are dry you can deliver them to family or place them around your community. Add a fall twist to your rocks or even decorate pumpkins instead to deliver around your town!

Glow in the Dark Mason Jars

Crafting your own glow in the dark mason jars is a must! They are great to keep in the backyard throughout the fall to enjoy.  Here’s what you need to know about this craft to light up your backyard.

Organize Your Own Nature Scavenger Hunt

Get out and about to soak up the fall with your very own nature scavenger hunt. This can be as easy as creating a fall themed list for your kids to get out and find. From leaves to pinecones, this scavenger hunt will keep your kids busy! Keep your fall findings and incorporate them into your next craft!

Bob for Apples

Keep your kids cool and engaged by bobbing for apples. This activity is as easy as filling up a bowl with apples and water and let them bob away! Use this activity to work on counting and sorting. For young kids use this as an activity to improve their motor skills – here’s how. 

Pumpkin Potions

Put on your aprons it’s pumpkin potion time! This wouldn’t be a fun fall activity list if there wasn’t at least one messy idea. To create this messy fun start with the first potion – a typical baking soda and vinegar experiment, which is always a big hit with the kids. Then add shaving cream for an added squishy element.

These ideas are easy to achieve and budget-friendly to keep the kids having fun and engaged this fall!

Peoples Bank & Trust Co.

Member FDIC

Equal Housing Lender

How to Effectively Teach Your Kids Online Safety

How to Effectively Teach Your Kids Online Safety 

Having our kiddos grow up in a world that becomes more and more digitalized can be a scary thing. The best thing you can do for your kids is to teach them about cybersecurity and implement safe online habits early on. With summer coming up, there may be more people online when your kids are on their devices. Here are some tips to outline with your kids to ensure safe cybersecurity practices. 

Educate Yourself First 

There is not a one size fits all approach to teaching your kids cybersecurity at a level they understand. Each kid is different and wants different things from their online experience. If you can educate yourself and implement good habits both when you are and are not with your kids, you are on the right track. Having gadgets is great, especially for you to connect and communicate. 

Set Up a Routine

Having an enforced device routine is important to safe cybersecurity. A great way to monitor their device and usage is to have a charging station out in the open. It’s also great to set the times of the day they can have screen time. Having these times already enforced make it that much easier for your kids to follow and can work as a token for good behavior when the kids have earned some extra screen time. 

Set Up Basic Rules

It is very important to set basic rules, such as downloading apps, searching the internet, where they can use their device, and more. It is crucial to have a clean device, so be sure your kids understand the importance of having their apps and device updated. Apps are a great learning tool for kids, but they also can be very dangerous. It is important to teach them the importance of asking before they download and if the download is requesting access to anything. 

Basic rules can be easily monitored with parental controls to set rules within the device. It may be worth passcode protecting everything so only you can let them into a device and app you want them using. Rather than allowing them to use their device on their own, it can be of value to create a space where they can use it out in the open when you are able to monitor their usage. 

Use Child-Friendly Resources and Examples

As you teach your kids more and more about online safety, it is important to use examples they can understand. When instances come up, rather than getting upset, use it as a time to learn and walk through the correct way to handle the situation. Learning safe online habits should be continuous. Explaining to your children about hacking, phishing, identity theft, cyberbullying, etc. is important for them to thoroughly understand technology as they grow up.

Good cybersecurity habits are crucial to keeping ourselves, our information, and our kids safe. Summer tends to be a time where kids are on their devices more and more, sometimes when you are not home or with another adult. Creating a routine and expectation for them will only make it easier to implement your rules and continually educate them.

Peoples Bank & Trust Co.

Member FDIC

Equal Housing Lender

6 Ways to Cut Expenses this Fall

6 Ways to Cut Expenses During the Fall  

We all can probably agree that we’d love to have additional savings to go towards our holiday expenses. Whether you need to save extra for an upcoming vacation, want some Fall fun, or are trying to get your budget in-line before the holidays we’ve got some easy tips for you to reduce expenses for sweet fall savings. Shift your mindset to fall savings with these simple tips. 

Track Your Spending 

The first way to cut expenses is to see where your money is going. Maybe it’s time to hard-core track your spending and find the key expense that is busting your budget. Grab a piece of paper and write down every expense for 30-60 days to see what your money is going towards. Sometimes this tip alone is a great way to drop unnecessary spending because you see it and acknowledge how often you’re spending money on it.

Another tip when tracking your spending is to identify purchases as a need or want. Sometimes we need to think through our purchases to see how often we are spending money on things we need or want because that could be a key factor that maybe your budget is off. 

Comb Through Your Budget 

If you are already tracking your spending, you probably have a budget in motion. When you are looking to save extra, you need to comb through your budget to ensure it is accurate for your financial situation and the season. Create small goals to meet within your budget to reach. Monitor your spending categories to see if there is an area you don’t necessarily need as big of a budget for and can add that extra chunk to your savings instead. 

Remember these budget tips: 

  • Determine your monthly income. 
  • Determine your fixed expenses each month.
  • Determine your monthly budget for needs. 
  • Determine how much you need to set aside for your holiday expenses to stay within your set budget.

Scratch the Subscriptions 

Cleaning through the subscriptions is a great way to have some additional savings. When looking through your subscriptions it is important to ask yourself how much you use them and do you really need them. Gym memberships are great to cancel in the summer and fall because you can get your exercise outside or in the comfort of your home. Cancel those subscriptions sooner than later and you will see a great income for your savings. You may even realize you don’t need them back. 

Reduce Energy-Use

Fall is the best time of year to save money at home by reducing your energy use. Here are some ways to reduce energy at home to save on the energy bill:

  • Open the windows
  • Shut the fans off when you’re not using them
  • Run full loads of laundry and dishes
  • Shower in the early morning or night when it’s cool
  • Allow the sun to naturally heat your home
  • Use natural lighting
  • Manage your AC usage – shut it off completely when it cools off and open the windows

Love a List 

When you’re out shopping, particularly at the grocery store or on that unnecessary Target trip, bring a list and stick to it. This is a phenomenal way to control what you are buying and to plan how much you intend to spend. Learn to love a list this fall and challenge yourself to follow it.

Eat-In 

We all enjoy the ambiance and convenience of a meal out, but those most definitely add up. Rather than eating out too many times a week, stick to that grocery list and plan out meals and snacks to eat at home or bring with you on the go. Budget and plan those meals out to avoid overspending. 

Fall is here and we want your savings to be sweet! Start tracking your spending and finding a few things to cut to make saving easy.

Peoples Bank & Trust Co.

Member FDIC

Equal Housing Lender

What is a Credit Score and Why is it So Important

What is a Credit Score and Why is it So Important?

We have all heard we need to have a good credit score, but many people do not know what a credit score is – this is ok, we are here to help! Having a good credit score is a lifeline for your future, so it is very important to know what a credit score is, how it can be positively and negatively impacted, and why it is so important to everyone. Take a few minutes to brush up on your knowledge of credit and how you can have a good credit score. 

What is a Credit Score? 

Credit scores have the ability to affect a lot in your life, so it is crucial to know what a credit score means and what yours is. Credit scores are a financial tool that determines each individual’s creditworthiness. A credit score is a number between 300 – 850 that is determined by your credit history. A high credit score means you are a responsible person who will repay your debts. 

Your credit score moves as you use and repay debts you have incurred. A bad credit score could result in a higher payment due to a higher interest rate or missing out on a purchase you’d like – such as leasing an apartment, obtaining a loan or credit card, purchasing insurance or a vehicle, etc. You may be asking – What if I do not have a credit score? Not having a credit score means you have not tied anything to your credit profile. This can often be a bad thing as you have no history of good credit or debt payment to a lender. 

What Does Your Credit Score Impact? 

Your credit score essentially affects your financial life. There are many good and bad ways to affect your credit. Your credit score plays a huge part in a lender’s choice to offer you any sort of credit. A credit score may also impact the amount of the deposit you have to pay for utilities, phone services, rental properties, and more. Your credit score impacts your interest rate or credit limit. 

What Impacts Your Credit Score?

Your credit score is impacted by five main factors that are evaluated when you take out credit. Your credit score is reported and updated by credit reporting agencies in the United States. The five factors that affect your credit score are: payment history, the total amount owed, the length of credit history, the types of credit, and new credit you use. 

How to Improve Your Credit Score

There are many ways to improve your credit, so if your score is on the low end, do not worry! Here are 4 ways to increase and improve your credit score:

1. Pay your bills on time – on-time payments for six months will positively affect your score. 

2. Use a credit card – contact Peoples Bank & Trust to open a credit card today!

3. Don’t close your credit card account – stop using the card rather than closing it as this could negatively impact your score. 

4. Take out a line of credit and make consistent payments on time. 

Why is Your Credit Score Important?

As you can see, your credit score is very important to be able to do the things you wish financially. Having a good score can affect you in many ways, so if it is low, it is important to work on growing the number. An excellent score ranges from 800 to 850 while a poor score is between 300 and 579. The middle range can be considered very good to fair and can affect the terms of the credit you are offered quite a bit, even if you are a few numbers off from the next range. 

As we have you thinking about your credit score, please reach out to Peoples Bank & Trust to discuss where you are at and how our services can positively impact you.

Peoples Bank & Trust Co.

Member FDIC

Equal Housing Lender