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Frequently Asked Questions (FAQs)

Frequently Asked Questions (FAQs)

Getting Started

Who can I contact with any questions, problems or comments? You may contact customer service at your nearest PCB Financial Center during business hours or Contact us for general questions only. Please do not include any sensitive information such as account numbers or social security numbers in the email.

What is 24/7 Online Banking?

With 24/7 Online Banking you get FREE up-to-the-minute information about all of your eligible accounts. Access is secure and convenient and available 24 hours a day, 7 days a week. Some features of Online Banking are:

  • Access and print information on all eligible accounts including loans.
  • Review and print transactions and statements.
  • Confirm deposits, withdrawals and checks cleared.
  • Transfer funds between accounts and make loan payments.
  • Enroll in mobile banking.
  • Pay bills and pay a person (P2P).
  • Manage your PCB debit card.
  • Add travel notices.
  • Download transactions to many financial management programs.
  • In general, Online Banking is available 24 hours a day, 365 days a year. However, the system may be down periodically for maintenance or for other reasons outside our control.

What do I need to start using 24/7 Online Banking?

You will need an account with PCB. Other requirements include:

  • A personal computer or mobile device.
  • Internet access from an Internet Service Provider (ISP).
  • Internet Browser software such as Microsoft Internet Explorer, Google Chrome or Firefox.
  • Browser must be capable of 128 bit encryption and must have cookies enabled.
For more information on your favorite browser's encryption features and how to download updated versions of your browser, click on one of the following browser links:

Why do I need 128-bit encryption?

There are basically two types of encryption: "High" and "Standard". The difference between these types of encryption is the strength of capability. A "High" (128-bit) encryption is more powerful than a "Standard" (40 or 56-bit) encryption. "High" or 128-bit encryption means there are a septillion possible keys that could fit into the lock that holds your account information, but only one that works for each time you bank online.

PCB uses the highest level of encryption (128-bit) to ensure your online transmissions are secure. Our Internet banking system does not support use of browsers with 40 or 56-bit encryption. 

What are cookies and how to check if they are enabled?

Cookies are a secure way for us to keep track of your online banking session. They are valid for one session only and each time you log on, you receive a new set of cookies. Verify they are enabled for the browser you use.

Do I need to register to use 24/7 Online Banking?

Yes, you have to enroll for online banking. Contact your nearest PCB Financial Center or you may self-enroll ONLINE.  You must have a deposit or loan account at PCB prior to self-enrolling.

Upon your first visit to the Online Banking site you will be asked to creaet a password and to set up multifactor authentication.

What fees will I pay for 24/7 Online Banking?

24/7 Online Banking is FREE!

How do I access 24/7 Online Banking?

After you have signed up for the service, visit our website at and enter your User ID in the 24/7 Online Banking login box on the right side of the page.

Logging On and Off 24/7 Online Banking

There may be several reasons you are experiencing difficulty logging into your 24/7 Online Banking session. If you complete the ID and Password fields and click Login and your computer does not seem to do anything, the problem may be your browser. Verify that is added to trusted sites and that cookies and pop ups are allowed for

We also recommend you clear the browsers temp cookies/cache, close all browser windows after all temp cookies/cache are removed. Then open a fresh browser window and try logging in again.

Why does it say "Your Account is Currently Locked" when I try to log into 24/7 Online Banking?

As a security measure, accounts will lock for several reasons This includes inactivity or an incorrect Password being entered THREE times in a row. If your account is locked, please contact your nearest PCB Financial Center during business hours.

Upon proper identification, we will be happy to unlock the account and reset the password. You can also unlock your account by clicking 'Forgot' on the login screen.

What happens if I forget my password?

You are allowed 3 attempts to enter the correct password before your account is locked.

If your account is locked, please contact your nearest PCB Financial Center during business hours. Upon proper identification, we will be happy to unlock the account and reset the password. You can also unlock your account by clicking 'Forgot' on the login screen.

What happens if I don't log off the system?
Online banking has a 10-minute time out feature. If the system has been inactive for 10 minutes, you are required to re-enter your ID and password. The system will produce a pop-up window after 9 minutes warning of the imminent time out. For your protection, PCB highly recommends logging off Online Banking when you have completed your transactions.
What happens if I don't log in my online banking account for an extended period of time?
Online banking accounts are considered inactive and are deleted if you do not login at once every 6 (six) months.

Account Information

What types of accounts can I view with 24/7 Online Banking?

With Internet Banking you can view most of your PCB checking and savings accounts, IRA accounts, certificate of deposit accounts as well as most loan accounts.

How do I add or delete accounts to my existing 24/7 Online Banking relationship?

Either contact customer service at your nearest PCB Financial Center during business hours, or use the secure "Contact Us" link within Online Banking.

How often is my account information updated?

Account transactions and balances are real-time and will change during the day as you carry out transactions. There may be delays from time to time because of processing or system issues which we cannot control. 24/7 Online Banking transactions are processed and information updated only on business days.

Can an online account be a joint account?

No. Each 24/7 Online Banking Customer must use their own login and password.

Can I transfer money from one account to another?

Yes, with PCB's Online Banking, you can transfer money between eligible PCB checking and savings accounts. You may also make loan payments on your PCB loan from your PCB deposit account. You must be the sole or joint owner on the account.

Can I stop or modify my request to transfer funds?

Yes, you can edit or delete a transfer anytime before the transfer processes. Once the transfer completes, it will show in Transfer History and you cannot modify or cancel the transfer.

Can I schedule recurring or future dated transfers?


Can I tell when a transfer has posted to my account?

Yes, by verifying your confirmation number and transfer history.
Funds transfers and Loan transfers performed before 6:00 PM may be viewed in Online Banking on the following business day.

Are there limits on the number of transfers I can make?

Yes, depending on the type of account you have. Most checking accounts have no limits on the number of transfers. However, money market and savings accounts are limited by federal regulation.

Can I export my data from 24/7 Online Banking to financial software?

Yes. Your financial data can be downloaded into a compatible format for some financial software including QuickBooks and Quicken. QuickBooks and Quicken also offer Direct Connect which allows your financial data from online banking to automatically transfer into QuickBooks or Quicken. Data can be downloaded and saved in the following formats:

  • Open Financial Exchange (OFX)
  • Quicken (QFX)
  • Intuit QuickBooks (QBO)
  • Personal Finance (QIF)
  • Spreadsheet (CSV)
  • Word Processing (TXT) 

Why can't I transfer funds between my corporate and personal accounts?

Regulators place a strict burden on banks to limit potential liability with respect to funds being improperly moved from corporate accounts to personal accounts. A check being written from the corporation by an authorized signer, to a specific payee, provides a paper trail that can be used if, at any future date, there is any question as to why corporate funds were moved to a personal account.

This applies to Corporations, Limited Liability Companies (LLC), and partnerships. However, those customers with Sole Proprietorship will continue to have the ability to transfer funds between their business and personal accounts.

How many statements can I see online?

You can access and print your 18 most recent statements.

24/7 Online Banking Security

How can I keep my information secure?

Always protect your 24/7 Online Banking Identification and password. Below are tips on how to protect your Identification and password.

  • Do not use an obvious number or other accessible information for your Online Banking ID or PIN.
  • Ensure no one is watching when you enter your Online Banking ID and password.
  • Try to memorize your Online Banking ID and password rather than writing them down.
  • If you record your Online Banking ID and password, store the document in a secure place.
  • Do not share your Online Banking ID and password with others.
  • Report any unusual account activity immediately.
  • Do not give your information to anyone requesting it over the phone or by email unless you have initiated the request.
  • Always log out of the system. 

Tips for Safe Banking Over the Internet.

View the pdf brochure "Tips for Safe Banking Over the Internet PDF"  designed to inform consumers of their rights and responsibilities when banking over the internet.

How secure is 24/7 Online Banking?

State-of-the-art technology is used to keep your information secure. All sensitive and personal information is encrypted, and access requires passwords that only you know. In addition, your account numbers, Social Security numbers, and Tax ID numbers are never displayed on the online system.

However, if you feel your information has been jeopardized in any way, please contact a Customer Support Representative immediately at (304) 358-2311 or 1-866-722-2651 during business hours.

Online Bill Pay

How does PCB's Online Bill Pay work?

Your payments are electronically transferred from your PCB checking account to your payee's account through the Automated Clearing House (ACH) network. If the party you are making a payment to is not setup for electronic transfer, a check is sent via US Mail.

Are there fees associated with 24/7 Online Bill Pay?

Consumer Bill Pay customers are charged a fee for rush delivery of a payment and for gift payments. There are no other consumer Bill Pay fees.  See the fee schedule PDF for account and item fees for Business Bill Pay accounts.

Who can I pay using 24/7 Bill Pay?

You can pay any person (P2P) or company. The next door neighbor, the utility company, the bank, and even a child in college.

How far in advance should I set up a payment to ensure it is paid on time?

Always allow at least 3 business days for electronic payments and at least 5 business days for payments made by check.

What happens if I have a scheduled payment that falls over a weekend or holiday?

All scheduled payments that fall on the weekend or a holiday will be processed the previous business day. Always allow at least 3 business days for electronic payments and at least 5 business days for payments made by check.

What if I do not have enough money in my account?

If you request a payment for more than the balance in your account and the payment is to be made electronically (i.e. through the ACH network), the system will continue to check your account until funds are available, at which time the payment will be processed.

If you request a payment be paid by a check, the check is written and the check is processed like any other check. If your account has insufficient funds to cover the check when the check is presented to the bank for payment, you will incur the same overdraft/non-sufficient funds (NSF) charge as if it was a check you have written.

Can I schedule recurring payments?

Yes. You may schedule both one-time and recurring payments.

Can I use Online Bill Pay if I live outside the U.S.?

Yes, as long as you have a checking account with PCB.

Will the memo field that I fill out when setting up a payment be passed on to the payee?

Yes. The memo field will be printed on the check along with your account number with the vendor.

Electronic Statements/Notices (eDocuments)

What are eDocuments?

eDocuments are electronic copies of your statements and/or bank notices that you can view, search, save and print online.

Who is eligible to use eDocuments?

eDocuments are available to customers using PCB's 24/7 online banking service.

Are eDocuments safer than traditional mail?

Yes. Your eDocument is stored on a secure server and transmitted to your Internet browser using 128-bit encryption. Only you can access your eDocument using your 24/7 online banking username and password. Paper statements can be taken from an unsecured mailbox for criminal activity.

Is there a fee to use the eDocument service?


What is required to sign up for eDocuments?

You need to enroll to use PCB's 24/7 online banking service. Log into your online banking account, click the eDocument tab and review and accept the agreement. Be sure your correct email address is entered. 

Can I sign up to receive eDocuments at a PCB office?

Yes. You may enroll in eDocuments by logging into your 24/7 online banking account using your secure log on information either at home or you can contact your nearest PCB Financial Center and request one of the bank's customer service representatives to enroll you.

Will I continue to receive statements in the mail after I sign up for eDocuments?

No. When you enroll to receive your statements electronically, you no longer will receive a paper copy in the mail.

How do I view my statements?

Each statement cycle, you will receive an email from PCB notifying you a new statement is ready for review. Simply click the link within the email. The link will direct you to log on online banking. After logging into online banking, click the eDocuments tab at the top of the screen. The first screen to appear under eDocuments lists statements and notices ready for your review. Click 'View Details' beside the statement or notice.

If for some reason I do not receive an email notification, does this mean my eDocument is not available?

No. Your eDocument is always available to you in the online banking website.  Reasons you may not receive an email include your email address changing or the email notification is delayed or deleted by a server transmitting over the Internet (spam filters, mailbox size restrictions, user designed filters to protect against spam).

Verify your email address is correct in your online banking profile. You may also need to contact your email provider if you suspect they are blocking eDocument emails from your mailbox.

How do I notify the bank if my email address changes?

You can quickly change your email address by logging into PCB's online banking, clicking on Options and then clicking Personal Options. You will see your old email address and a box to type your new email address.

How do I view eStatements within online banking – not using the emailed link?

Log into online banking and go to your accounts page. Click the eDocuments tab at the top of the screen and then click 'View Details' beside the statement or notice you wish to view. Your eDocument statement will include check images.

If you view the regular online banking statement by clicking 'Statement' in the dropdown box beside the account, you will only see a pdf file of the statement and it will not include check images.

How long are eDocuments available online?

eDocuments are securely archived for 18 months.

Can I print my eDocument?

Yes. You can print the statement after opening it by clicking the printer icon in the toolbar or click on File and Print located in the toolbar at the top of the statement screen.

Can I visit my local PCB branch and request a printed copy of my statement if my computer isn't working or other reasons?

Yes. Visit any PCB location during business hours to request a printed copy of a statement. There may be a fee for a printed statement.

Are check images attached to my online statement?

Yes. online eStatements now includes check images - but only if you enroll for eDocuments. If you view statements in online banking by clicking on 'Statements' in the dropdown list beside the account, you will NOT see check images.

Can I save my eDocuments?

Yes. You can save statements and/or notices to your computer's hard drive, a floppy disk, CD or memory stick. Click on File and Save As and name your document. Browse to the location you want to save it or click the Save icon in the toolbar above the statement.

Can my eDocument information be exported to other programs?


Can my eDocuments be made available for others to view?

Yes. You may setup specific eDocuments to forward to three additional email addresses.

Can I go back to receiving statements in the mail after I have enrolled?

Yes. You can unenroll from eDocuments by contacting your nearest PCB Financial Center.

PCB Mobile Check Deposit

What is PCB Mobile Check Deposit?

PCB Mobile Check Deposit is a mobile check deposit service that allows you to deposit paper checks into your account using a mobile device to take a picture of the check.

Who can use mobile check deposit?

Use of mobile check deposit requires an active PCB Online Banking account, enrollment in PCB's mobile banking service and eDocuments, and a PCB checking or savings account in good standing. You also need a compatible mobile device.

What type of check can I deposit with mobile check deposit and what items are not allowed with mobile check deposit?

You can deposit:
  • Personal checks payable to you
  • Business checks payable to you
  • Checks drawn from a United States bank.
 You cannot deposit:
  • Cash
  • Savings bonds
  • Travelers Checks
  • Remote credited checks or substitute checks
  • International checks
  • Items that have an issue date after the date of deposit.
  • Checks payable to any person or entity other than you.

Do I include a deposit slip with my pictured check?

No, mobile check deposit creates an electronic record for each deposit.

When will my funds be available after my mobile check deposit?

Funds from mobile deposits are made available according to PCB's Funds Availability Policy.

What is the cutoff time for depositing checks with mobile check deposit?

There is no cut-off time for making deposits. However, in order for your deposit to be credited to your account at the end of the business day's processing, you must make your deposit by 5:00 PM on that business day. Deposits received after 5:00 pm will be credited at the end of the next business day processing.

Are there limits for deposits made with mobile check deposit?

Yes, PCB will assign deposit limits to you and may modify them from time to time at the Bank's discretion. If you need to make a deposit that is over your deposit limit, contact your nearest PCB Financial Center for assistance.

What should I do with my paper check after I make my mobile check deposit?

After you receive confirmation that we have received an image of your check, you must mark the check as VOID and securely store the original check for 14 days. Promptly after the 14-day retention period expires, you must destroy the original check.