In the picturesque locales of Franklin, WV, Petersburg, WV, Moorefield, WV, Harrisonburg, VA, Bridgewater, VA, Staunton, VA, and beyond the digital age is reshaping the way we think about banking.
These days, the power of technology has transformed banking, with customers now able to do so much more from the comfort of their own homes. As we all continue to navigate the digital revolution, both within banking and beyond, it’s essential that customers find a bank that understands their modern financial needs while valuing their local community.
Enter PCB. As an independent community bank, PCB is deeply rooted in our commitment to financial success, professional growth, and community development. At our core, we’re a family-centric institution striving to enhance the lives of our team members, customers, and local communities.
A Glimpse into the Evolution of Banking Technology
A significant transformation over the last 50 years has changed the landscape of financial transactions where banking was once limited to brick-and-mortar establishments and paper transactions.
With the emergence of computers in the late 20th century beginning this shift, electronic data and automated teller machines were a pivotal turning point in revolutionizing the banking industry.
The first e-payment took place in 1973, with the international SWIFT payment network, and as technology advanced globally, so too did banking methods. As the millennium approached, banks throughout Europe began implementing the forerunners of mobile banking, streamlining the financial experience for customers.
The Transition from Traditional to Digital Banking
Financial institutions quickly learned that transitioning from traditional banking methods to digital tools was a necessity for success in the modern world. Customers now require access to their finances at any time, from anywhere.
Digital banking reduces the need for physical visits to a bank branch, with many services accessible via the touch of a button. New research shows that mobile and online banking now accounts for the majority of financial account management.
Over 80% of consumers surveyed use an online account to view and manage their finances, while 68% of all consumers surveyed use a mobile app. In younger generations, this usage is significantly higher.
Digital Offerings at PCB
PCB continues to be at the forefront of the digital banking transformation, offering a suite of online and digital tools tailored to meet the diverse needs of our customers.
From online and mobile banking to secure document uploads, personal loans, and online account openings, PCB ensures a seamless and convenient banking experience.
Online and Mobile Banking
In an era where money management via a smartphone is the primary method for many bank customers, PCB’s online and mobile banking tools are indispensable.
Manage your finances on the go, check your account balance at any time of the day or night from wherever you are, transfer funds between accounts, and pay bills directly to vendors. You can even deposit checks using your camera-enabled device and sign up to receive text or email alerts when your deposit has been received.
Additionally, PCB’s digital banking platform helps provide control over your finances. Using the “Card Management” feature, turn your debit card "off" or "on", add and remove travel alerts, activate a new card, and set up various transaction alerts.
The “Spending Habits” feature allows customers to aggregate your accounts (both internal and external), view spending activity by category, build a comprehensive budget, view a cash flow calendar, get a full picture of your net worth, create financial goals, and more!
No matter what you need to do with your money, PCB’s online and mobile banking makes every transaction simple, efficient, and accessible. And, if you need banking assistance or have a question regarding a transaction, easily chat with a member of our team.
Secure Document Upload
The safety of your documents is one of our top priorities. With PCB’s secure document upload features, our customers can transmit sensitive information without worrying about the security of their data.
Whether you’re submitting financial documents for a loan application or sharing personal details with your branch, the secure document upload guarantees confidentiality.
When you use PCB’s eDocument features, you can feel safe knowing that your information is protected and that you’re less vulnerable to fraud or identity theft than creating a physical paper trail, thanks to our document encryption services. eDocuments can also be received faster than traditional mail and are accessible within your account for up to 18 months.
Online Personal Loans
Going through traditional loan applications can be a tedious process. When you apply for a loan online with PCB, approvals are faster, and you eliminate unnecessary paperwork.
If you need financial assistance, PCB’s Quilo loans can give you approval within minutes without impacting your credit score.
Online Account Opening
Gone are the days of long waits in a branch to open a bank account. PCB’s online checking and saving accounts can be easily opened from your smartphone or computer, all from home.
With a streamlined process and premium account options available, customers can set up accounts quickly and hassle-free.
Safety First: PCB’s Commitment to Digital Security
As financial transactions have shifted online, the security of private information has become a top concern. PCB understands this and has implemented robust measures to safeguard customer data within our digital tools.
From advanced encryption techniques to multi-factor authentication, PCB ensures that customer information is protected against potential threats.
Staying Safe Online: Tips for Customers
While PCB makes every effort to ensure the safety and security of customer data, there are ways you can proactively protect your information, too.
Always use strong and unique passwords for your accounts, especially any financial logins you have. Never re-use the same password across different bank logins or social media accounts. Don’t use any easily identifiable information as part of your password, like your date of birth.
You should also stay wary of suspicious emails, especially those with links. Phishing emails are a common way hackers try to access your financial information. Financial institutions will never ask you for your username, password, or account details via email, text, or over the phone. If you’re being asked to hand over this information, it’s likely a scam.
You should also regularly update your devices and apps to ensure you have the most up-to-date security within your digital tools. You should also log out of your online banking platforms when you finish using them.
Embracing Digital Banking with a Personal Touch
The digital age has undoubtedly transformed banking by making it more accessible and user-friendly. For those in Franklin, WV, Petersburg, WV, Moorefield, WV, Harrisonburg VA, Bridgewater, VA, and Staunton, VA, PCB has become a beacon of modern banking with a personalized community feel, blending technology with tradition.
While we offer a range of digital tools, we understand the value of human connections. Customers can always reach out to our banking team or visit one of PCB’s branches for personalized assistance. As technology continues to evolve rapidly, you can feel comforted in knowing that your face-to-face interactions with our team remain unchanged.