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  Allegheny Mortgage Company, a subsidiary of Pendleton Community Bank, is looking for a high energy, self motivated individual to fill the position of Loan Administration Clerk/Loan Processor. 
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Graphic: Online FAQs Header
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Getting Started
Who can I contact with any questions, problems or comments?
What is 24/7 Online Banking?
What do I need to start using 24/7 Online Banking?
Why do I need 128-bit encryption?
What are cookies and how to check if they are enabled?
Test your Internet Browser.
Do I need to register to use 24/7 Online Banking?
What fees will I pay Bank Online?
How do I access 24/7 Online Banking?


Logging On and Off 24/7 Online Banking
I am having difficulty logging into my online account. What do I do?
Why does it say “Your Account is Currently Locked” when I try to log into 24/7 Online Banking?
What happens if I forget my pin?
Why do I need to log in twice?
What happens if I don’t log off the system?


Account Information
What types of accounts can I view with 24/7 Online Banking?
How do I add or delete accounts to my existing 24/7 Online Banking relationship?
How often is my account information updated?
Can an online account be a joint account?
Can I transfer money from one account to another?
Can I stop or modify my request to transfer funds?
Can I schedule recurring or future dated transfers?
Can I tell when a transfer has posted to my account?
Are there limits on the number of transfers I can make?
Can I export my data from 24/7 Online Banking to financial software?
Why can’t I transfer funds between my corporate and personal accounts?
Why is my printout missing information on the right side?
How many statements can I see online?


24/7 Online Banking Security
How can I keep my information secure?
Tips for Safe Banking Over the Internet.
How secure is 24/7 Online Banking?
How do I know if my internet browser has the right level of security and encryption for banking online?
Why isn't there a "Lock" icon at the bottom of the homepage where I logon to 24/7 Online Banking?


Protect Your Identity/Free Credit Report
Don't let someone steal your identity. Protect yourself by following these suggestions.
Why should I review my credit report?
Starting September 1, 2005, consumers can request a free credit report. How do I get my free report?


Protect Yourself From Internet/Email Fraud
What is “Phishing” or “Spoofing” and how do I protect myself?


Online Bill Pay
How does Pendleton Community Bank's Online Bill Pay work?
Are there fees associated with 24/7 Online Bill Pay?
Whom can I pay through 24/7 Bill Pay?
How far in advance should I set up a payment to insure it is paid on time?
When will the money be taken out of my account?
What happens if I have a scheduled payment that falls over a weekend or holiday?
What if I do not have enough money in my account?
Can I schedule recurring payments?
How far in advance can I schedule payments?
Can I use Online Bill Pay if I live outside the U.S.?
Will the memo field that I fill out when setting up a payment be passed on to the payee?


Getting Started - Return to Top
Who can I contact with any questions, problems or comments?
You may contact customer service at your Local Branch office during business hours.

OR
Click here to email us.

 
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.
  • 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 Pendleton Community Bank and you will complete an Online Banking Application form. Other requirements include:
  • A personal computer.
  • Internet access from an Internet Service Provide (ISP).
  • Internet Browser software such as Microsoft Internet Explorer (5.0 or higher) or Netscape Navigator (4.7x or higher).
  • America Online (AOL) users please use AOL version 5.0 or higher.
  • 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 logos:

Internet Explorer button Netscape button

 
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. Pendleton Community Bank 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. Here’s how to check that they are enabled:
  • On the Tools menu in Internet Explorer, click Internet Options.
  • Click the Security tab.
  • Click the Customize Level button. Scroll down until you find the section for cookies. Select enable for both options.
  • Click “Yes” if Internet Explorer prompts you to save settings.
 
Test your Internet Browser.
You can TEST YOUR BROWSER HERE. If an update is required you will be given further instructions.
 
Do I need to register to use 24/7 Online Banking?
Yes, a one-time application is required to sign up for 24/7 Online Banking. Applications are available at any Pendleton Community Bank office as well as online. If you are mailing your application, once the form is received by the bank with your signature and account information, we will issue an Online Banking ID number and a PIN (personal identification number). This Online Banking ID and PIN will be emailed to you. If you are applying in person, your Online Banking ID and PIN will be provided at that time. Upon your first visit to the Online Banking site you will be asked to select a PIN of your choice and that PIN will be used whenever you access Online Banking
 
What fees will I pay Bank Online?
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 www.yourbank.com and click the 24/7 Online Banking login button.
 
Logging On and Off 24/7 Online Banking - Return to Top
I am having difficulty logging into my online account. What do I do?
There may be several reasons you are experiencing difficulty logging into your 24/7 Online Banking session. If you complete the ID and PIN fields and click Login and your computer does not seem to do anything, the problem may be your browser. We have found that users with Internet Explorer version 6.0 or XP need to complete one of the following two options:
  • At the bottom right hand corner of your screen there should be a little red circle with a minus sign inside. Double click on this icon and a "Privacy Report" window should appear. On the Privacy Report, highlight the site address in the text area by clicking once on it, then click "Summary." When the Privacy Policy window pops up, check the box at the bottom that states "Always allow this site to use cookies." Click OK and close out of the privacy report.
  • If the first workaround does not clear up the problem, you may want to try this solution. On the top Internet Explorer tool bar, choose "Tools," then "Internet Options." On the Internet Options window, click on the tab labeled "Privacy." On the Privacy window, there will be a section titled Settings, and there will be a slider on the left hand side. Move the slider all the way down, until it says "Accept All Cookies." Click OK and close out.
 
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, such as inactivity or the incorrect PIN being entered THREE times in a row. If your account is locked, please call customer service at your Local Branch office during business hours. Upon proper identification, we will be happy to unlock the account and reset the PIN. This is only for the security and protection of our customers. We apologize for any inconvenience.
 
What happens if I forget my pin?
You are allowed 3 attempts to enter the correct PIN before your account will be locked. If you cannot remember your PIN and/or you are locked out of the system, please call customer service at your Local Branch office during business hours.
 
Why do I need to log in twice?
You may be required to log in twice due to the manner that cookies are handled on your browser. To change this feature, you can perform the following steps:
  • Select Tools from the main menu bar.
  • Select Internet Options from the Tools menu.
  • Go to the Security tab and click on "Trusted Sites."
  • Press the "Sites..." button.
  • Add https://www.netteller.com/yourbank/ to the Trusted sites list.
  • Click Add.
  • Click OK until you are back to your main browser window.
  • Try logging in again from Pendleton Community Bank’s main website.
 
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 over 10 minutes, the user will be required to re-enter their ID and PIN. The system will produce a pop-up window after 9 minutes warning of the imminent time out for you to continue if you desire. For your protection, PCB highly recommends logging off Online Banking when you have completed your transactions. Read Tips on Safe Internet Banking.
 
Account Information - Return to Top
What types of accounts can I view with 24/7 Online Banking?
With Internet Banking you can view most of your Pendleton Community Bank checking and savings accounts, IRA accounts, certificate of deposit accounts as well as most loan accounts (accounts you chose on your application).
 
How do I add or delete accounts to my existing 24/7 Online Banking relationship?
Either contact customer service at your Local Branch office during business hours, or use the secure “Contact” link on the 24/7 Online Banking page.
 
How often is my account information updated?
Account transactions and balances are real-time and may 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 PIN.
 
Can I transfer money from one account to another?
Yes, with Pendleton Community Bank’s Online Banking you can transfer money between eligible Pendleton Community Bank 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 – anytime until you get to the Transfer Funds Approval screen, you can modify or cancel your funds transfer request.
 
Can I schedule recurring or future dated transfers?
Absolutely.
 
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 5:30 PM may be viewed on 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. Some accounts, such as most checking accounts, have no limits on the number of transfers a client can make. 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 Intuit® Quicken, if your version supports the Quicken Interchange Format (.QIF file), Microsoft® Money (.OFX file), Spreadsheet (.CSV file) and Word Processing (.TXT file)software.
 
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.
 
Why is my printout missing information on the right side?
Due to design issues, the normal "portrait" style of printing doesn’t work correctly. To remedy this, we suggest that you print out your transactions in "Landscape" mode. To do this, please follow instructions below:
  • Select Print from the File drop down menu of your browser.
  • Click on the Properties button.
  • Select Landscape in the Orientation section.
  • Click OK.
  • Click OK.
 
How many statements can I see online?
You can access and print your three most recent statements. If you want to review a longer history of transactions, you can use a range of transactions between dates.
 
24/7 Online Banking Security - Return to Top
How can I keep my information secure?
Always protect your 24/7 Online Banking Identification and PIN. Below are tips on how to protect your Identification and PIN.
  • 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 PIN.
  • Try to memorize your Online Banking ID and PIN rather than writing them down.
  • If you record your Online Banking ID and PIN, store the document in a secure place.
  • Do not share your Online Banking ID and PIN with others.
  • Report any unusual account activity immediately.
  • Do not give your information to anyone requesting it over the phone unless you have initiated the call.
  • Always log out of the system.
 
Tips for Safe Banking Over the Internet.
Go to Tips for Safe Banking Over the Internet. The Federal Deposit Insurance Corporation (FDIC) has published an online brochure aimed at informing 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.
 
How do I know if my internet browser has the right level of security and encryption for banking online?
You can TEST YOUR BROWSER HERE. If an update is required you will be given further instructions.
 
Why isn't there a "Lock" icon at the bottom of the homepage where I logon to 24/7 Online Banking?
Although the login does not occur on a secure HTML page, the login is, in fact, secure.
We have all been well trained now on how to check for security. We all look down at our status bar at the bottom of the browser to make sure there is a little lock or key that assures us that everything is secure before we send anything.
Well now there's a new rule to learn: data can be sent securely even if you don't see these icons of security. When you fill out an information form, or application, or login, etc. you are filling out information on one page and the information is being sent to a second page. We see the security icons when the page that collects the information is secure. The information can be sent securely if the collection page is not secure, but the page where the information is sent to is secure. This is the method we use on home page login.
If you view the source code version of the homepage, you will notice we are sending the information to our general https://www.netteller.com/yourbank/prelogin.cfm address. This way login information can still be sent securely, but the bank doesn't have to pay for expensive security certificates every year.

If you want to assure yourself that the information you are sending is secure and you don't see a security icon, you can view the HTML source code by selecting "View" from your Browser window, then select "Source".
This may be intimidating for some, but all you have to do is search the source page to find the word "action=". This will show you the location of the page that the information will be sent to. If you see "action="https://...", you know that it is being sent securely. If you see "action="http://...", you know it is not secure.
 
Protect Your Identity/Free Credit Report - Return to Top
Don't let someone steal your identity. Protect yourself by following these suggestions.
  • Be aware of spoofing and phishing attacks through email.
  • Make sure your computers are fully patched. It's highly recommended you use Windows XP and turn on the automatic installation of patches feature.
  • Use a firewall. Windows XP has a built-in firewall or use any of the top-name Internet Security vendors products.
  • At home, keep your personal information in a safe place. Don’t keep Personal Identification Numbers (PINs) near your checkbook, ATM card, or debit card.
  • Create emergency phone lists with names, account numbers, phone numbers to contact should your credit/debit cards or information be stolen or compromised. There are credit card protection companies that offer this service to you. Photocopy the contents of your wallet making sure that you copy both sides. Keep the copies in a secure location.
  • Do not give out information such as a checking account number, credit card numbers, your date of birth, PIN, mother’s maiden name, and especially your social security number over the phone, unless to a secure source and you initiated the call.
  • When choosing a PIN or password, select one that is hard to guess. Avoid the last 4 digits of your social security number, your mother’s maiden name, birth dates, names of pets, or even the name of your hometown baseball team. Use improved passwords with mixed numbers and upper and lower case letters. Include special characters (like $ and @) from above the number keys in the password. Example: Mary$Lamb5.
  • Avoid using your social security number as your driver’s license number or as your employer’s identification number. Do not have it printed on your checks.
  • Report lost and stolen checks and credit cards immediately.
  • Always balance your checking and credit card statements each month. Report unauthorized transactions immediately.
  • Guard your ATM receipts and your ATM Personal Identification Number (PIN) so it cannot be used to access your accounts. Don’t write your PIN on your ATM/Debit card.
  • Avoid using your mailbox to send outgoing mail. This guards against someone stealing your identity. Use a Post Office collection box or go directly to the Post Office to send mail.
  • Shred financial solicitations, financial documents, as well as, medical and insurance statements as the information on them can be used to steal your identity. Shredding receipts and other sensitive information can avoid identify theft by “dumpster divers”.
  • If regular bills fail to reach you, call the company to find out why. Often identity thieves will change the address of a bill so that it will take you longer to figure out the scam.
  • Find ways to “opt out” of mailing lists to reduce junk mail.
  • Finds ways to “opt out” of telephone solicitations.
  • Have your name taken off mailing lists for pre-approved offers of credit. To do this notify the credit bureaus at 888-5OPTOUT or (888) 567-8688. Your one call is shared by all three credit bureaus.
  • On the Internet, avoid sending personal information like your social security number, credit card numbers, address, passwords, etc. unless you are sure it is a reliable recipient and that the communication line is encrypted.
 
Why should I review my credit report?
There’s numerous reasons: ID theft, accurate information, see what lenders know about you, etc. Under the FACT ACT (Free File Disclosure Rule of the Fair and Accurate Credit Transactions Act) each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — is required to provide you with a free copy of your credit report once every 12 months, if you ask for it. Click here for more information.
 
Starting September 1, 2005, consumers can request a free credit report. How do I get my free report?
The three consumer reporting companies -- Equifax, Experian and TransUnion -- are using one website, one toll-free telephone number, and one mailing address for consumers to order their free annual report. To order click www.annualcreditreport.com, call 1-877-322-8228 or complete an 'Annual Credit Report Request' form found at http://www.ftc.gov/bcp/conline/include/requestformfinal.pdf and mail it to Annual Credit Report Request Service, PO Box 105281, Atlanta, GA 30348-5281. Do not contact the three consumer reporting companies individually. You may order your free annual reports from each of the consumer reporting companies at the same time, or you can order from only one or two. The law allows you to order one free copy from each of the nationwide consumer reporting companies every 12 months.
 
Protect Yourself From Internet/Email Fraud - Return to Top
What is “Phishing” or “Spoofing” and how do I protect myself?
Internet scammers casting about for people’s financial information have a new way to lure unsuspecting victims: They go “phishing” or “spoofing”. Phishing is a high-tech scam that uses spam or pop-up messages to deceive you into disclosing your credit card numbers, bank account information, Social Security number, passwords, or other sensitive information.

According to the Federal Trade Commission (FTC), phishers send an email or pop-up message that claims to be from a business or organization that you deal with – for example, your Internet service provider (ISP), bank, online payment service, or even a government agency. The message usually says that you need to “update” or “validate” your account information. It might threaten some dire consequence if you don’t respond. The message directs you to a Web site that looks just like a legitimate organization’s site, but it isn’t. The purpose of the bogus site? To trick you into divulging your personal information so the operators can steal your identity and run up bills or commit crimes in your name.

Pendleton Community Bank will NEVER ask you to provide, verify or update personal account information via email or an unsecured Internet web site. If you receive a request, DO NOT PROVIDE INFORMATION and contact a Customer Support Representative immediately at (304) 358-2311 or 1-866-722-2651 during business hours. NOTE: Pendleton Community Bank DOES provide a “secure messaging” feature within 24/7 Online Banking which can be used to communicate personal account information in a secure manner. The security of your private information is most important to us. We value your relationship with Pendleton Community Bank and are committed to fulfilling your online needs safely and securely. For more information please click on this link: How Not To Get Hooked by a "Phishing" Scam.
 
Online Bill Pay - Return to Top
How does Pendleton Community Bank's Online Bill Pay work?
Your payments are electronically transferred from your Pendleton Community Bank 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?
There are no fees on a consumer account. Click here to go to our Fee Schedule.
 
Whom can I pay through 24/7 Bill Pay?
You can pay any person or company in the United States. 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 insure 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.
 
When will the money be taken out of my account?
Scheduled Online Bill Payments are processed at 1:00 p.m. eastern time Monday through Friday. Electronic payments made or scheduled before 1:00 p.m. Monday through Friday will be processed that day. Electronic payments entered after 1:00 p.m. will be processed on the next business day.
 
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 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.
 
How far in advance can I schedule payments?
You may schedule payments up to 90 days in advance of the first due date. Recurring payments can have an end date of any year in the future.
 
Can I use Online Bill Pay if I live outside the U.S.?
Yes, as long as you have a checking account with our bank.
 
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.
 
   
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