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Make the Most of Your Finances with our Easy Online Toolkit

Online Banking

Technology is a constantly evolving medium, and we’re continuing to grow with it! At Peoples Bank & Trust we offer a variety of digital tools for our customers. Take a look and discover a new way to manage your finances through our online technology!

Online Banking: Conveniently access all your banking accounts through our secure online portal. Not only does this give you a quick and easy way to manage your finances but it’s also where you can view a complete account history, re-order checks, transfer funds, and more!

Mobile Banking: Enjoy all the perks of online banking from the comfort of your mobile device. This easy mobile tool allows you to keep up on your finances while you’re away or during your busy day. Download our mobile app today for your iPhone, iPad or Android device.

Text Banking: Utilize our quick and easy text messaging service to receive account balances and recent history. Any phone with texting (SMS) capabilities can be used with our Text Banking. Learn the how-to for all things text banking here.

Online Bill Pay: Tired of writing checks for your monthly expenses? With our Online Bill Pay you can schedule reoccurring payments and take the hassle out of paying your monthly expenses. Go through our easy setup process and you can start paying bills directly from your Online Banking account!

Online Loan Applications: You can now apply for a home loan online, from anywhere!  Simply visit the PB&T Mortgage Center on our website and follow the easy step-by-step process.  If you’re not ready to apply, sign up for our Rate Watcher alerts and receive emails when rates change or reach your desired level.

E-Statements: Make a difference and go green with our E-statements at Peoples Bank & Trust. Not only are you helping the environment, but our E-Statements offer a quicker, simpler process to obtain your monthly statements. Simply log-in to your Online Banking page, click on User Services and select Account Statements to sign up!

Here at Peoples Bank & Trust it’s all about YOU, our customers! We love the ease and simplicity these products offer for the everyday financial tasks. Sign up today online or call our E-Banking Department at (636)528-7001 to try them out. We would love to help you find the best product solution for your individual needs!

Peoples Bank & Trust Co.

Member FDIC

Equal Housing Lender

 

After Holiday ID Theft Prevention

 

After Holiday ID Theft

The hustle and bustle of holiday shopping is over, but in January the credit card bills start rolling in.  Now is the time of the year to be most diligent in reviewing your account statements to ensure you have not become a victim of Identity Theft.  Here are some things to look for when reviewing your statements:

  • Read over the transactions listed on each statement and verify that you made those purchases.
  • Keep an eye out for small dollar amount purchases that you don’t recognize. Lots of times Identity Thieves will make small dollar purchases that fall under the radar of credit monitoring programs to see if they can get away with using your credit.  If the small purchases clear, larger ones usually follow.

In addition to reviewing your statements, make sure any statements that you receive via the mail don’t sit in your mailbox for extended periods of time, inviting mail theft.  If you receive your statements electronically, January is a good time to reset the passwords for all your online accounts to help prevent unauthorized access.  By using numbers, capitalizations, and symbols you create a complex but memorable password for your online portals.

Lastly, any financial statements or bills that you have which are no longer needed should be properly disposed of. Shredding these unwanted documents makes it difficult for any potential criminals to discover your personal information. In digital records, ensure any unwanted files are destroyed through a specified program to ensure complete deletion from a system.

If you do find a discrepancy on one of your credit card statements, you should have a customer help line phone number that you can call to help get the issue resolved.  And as always, Peoples Bank & Trust is here to help you by doing what we can to keep your financial information safe and secure.  For more information on identity theft protection, visit our website or call us today at (636) 528-7001.

Peoples Bank & Trust Co.

Member FDIC

Equal Housing Lender

 

Whip Your Finances into Shape for the Holidays

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The period of time from mid-November to the end of December is a busy one for most households. These two months hold a number of holidays, meaning more shopping, gifts, groceries, cooking and overall hectic schedules.

All of this can result in more stress for you, which can be amplified if you are also stressing about money. Nearly 75 percent of American adults feel some financial stress according to a February 2015 from the American Psychological Association, so anything you can do to lower the amount of financial stress you feel is good for your health as well as your wallet.

Continue reading →

Back-to-School Savings

Send your kids back to school with everything they need without spending all your hard-earned money using these tips.

Send your kids back to school with everything they need without spending all your hard-earned money using these tips.

 

Summer is coming to an end and back-to-school season is upon us. While your kids may be excited for the new school year, the thought of fitting back-to-school shopping expenses within your monthly budget is just another reason you are wishing it was the start of summer all over again.

Peoples Bank & Trust wants to help ease the cost of back-to-school shopping. Give these tips a thought before you hit the school supply section this month:

Stick to a list. From new clothes and shoes to school supplies, write out everything your kids need before you start any shopping. Once your list is made, only purchase items from this list when you get to the store.

Look for deals. Many folks choose to purchase all of their school supplies in one store. However, if you look through ads and do your research, you may discover that you can find some items from your list at more affordable prices in a variety of stores. Don’t forget to be coupon cutting as you search through store ads!

Get thrifty. After you have made your list, ask yourself if you or your kids already have any of these items. Reuse notebooks and pencils from last school year to help save a few extra bucks. When it comes to new clothes, check out lightly used clothing stores for the brand name clothes your kids want at the prices you can afford.

Get your kids involved. Let your kids be a part of the process when you create a list and budget for back-to-school shopping. Teach them the importance of saving and managing money. You can even make it a game by comparing costs and choosing the best deals.

Peoples Bank & Trust hopes that your kids have a great start to the new school year!

Peoples Bank & Trust

Equal Housing Lender

Member FDIC

Welcome to the PB&T Blog

You may have noticed a lot of changes going on at Peoples Bank & Trust, specifically with our online home, PBTC.net. We have recently launched a newly designed and organized website to better help our customers get the information they need for their financial life.

Part of this “refresh” of our website includes a blog. On the previous Peoples Bank & Trust website, we posted community news and other items, and that will not be going away. Our blog, in addition to our Facebook page, will be a place to find our latest community news and activities. However, our blog will also include a lot of content surrounding your finances.

Tips & Advice for Your Financial Life
At Peoples Bank & Trust, we believe it is part of our role as a community bank to help our customers make the best financial decisions possible. How? By providing the resources and education you need on a variety of banking, personal finance and lifestyle topics. Therefore, you can think of the Peoples Bank & Trust Blog as your central hub for personal finance resources.

We will cover topics such as:
• Different budgeting techniques
• Creating a savings plan
• How to save for retirement
• The ins and outs of mortgages, loans, IRAs and other financial products
• Personal security measures
• And so much more!

The more you know about these and other financial topics, the better decisions you can make for yourself and your family.

We will be posting weekly, so be sure to bookmark our blog and check back each week. You can also watch for updates under the “What’s New at Peoples Bank & Trust” area on the home page of our website and by following us on Facebook.

We look forward to seeing you soon!

Peoples Bank & Trust Co.
Member FDIC
Equal Housing Lender