Getting Started

Logging On & Off Online Banking

Account Information

Online Banking Security

Online Bill Pay

Electronic Statements/Notices (eDocuments)

Mobile Check Deposit (YourCheck2Go)


Who can I contact with any questions, problems or comments?

You may contact customer service at your nearest Pendleton Community Bank financial center during business hours.


Contact us by filling out the online form. Mail@yourbank.com is 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.
  • 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 or mobile device
  • Internet access from an Internet Service Provider (ISP).
  • Internet Browser software such as Microsoft Internet Explorer or Mozilla 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. 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.

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 financial center 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). 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 enter your User ID in the 24/7 Online Banking log in box on the left side of the page.

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Logging On and Off 24/7 Online Banking

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 7.0 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, the incorrect PIN being entered THREE times in a row or not correctly answering your online banking questions when prompted to do so. If your account is locked, please call customer service at your nearest Pendleton Community Bank financial center during business hours. Upon proper identification, we will be happy to unlock the account and reset the PIN. You can also setup your online banking to allow for automatic PIN reset. Click on Options/Personal and then create a personal question/answer. Then you can unlock your account by clicking the 'Reset Password' button next to the box to key your PIN number.

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 nearest Pendleton Community Bank financial center during business hours. You can also setup your online banking to allow for automatic PIN reset. Click on Options/Personal and then create a personal question/answer. Then you can unlock your account by clicking the 'Reset Password' button next to the box to key your PIN number.

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.

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Account Information

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 nearest Pendleton Community Bank financial center during business hours, or use the secure "Contact" link within Online Banking.

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 – you can edit or delete a transfer anytime prior to the transfer processing. Once the transfer completes, 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 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 some financial software. Data can also be downloaded as a Spreadsheet (.CSV file) and Word Processing (.TXT file).

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.

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24/7 Online Banking Security

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 or by email unless you have initiated the request.
  • 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.

Online Bill Pay

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. See our Schedule of Fees.

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 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.

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 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.

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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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 Pendleton Community Bank'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 retrieved 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 must currently be enrolled 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. PCB will email you a message to confirm your eDocument enrollment request was received. Follow instructions within the email to activate the service.

Can I sign up to receive eDocuments at a PCB financial center?

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 Pendleton Community Bank 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. Instructions to access your eDocument are provided in the next questions/answer. 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 statements 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 financial center and request a printed copy of my statement if my computer isn't working or other reasons?

Yes. Visit any PCB financial center 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 eDocument?

Yes. eDocuments 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 additional email addresses - up to three additional.

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

Yes. You can un-enroll from eDocuments by contacting your nearest Pendleton Community Bank office.

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YourCheck2Go - Mobile Check Deposit

What is YourCheck2Go?

YourCheck2Go is a mobile check deposit service that allows you to deposit paper checks into your account using an Android smartphone or iPhone by taking a picture of the check.

Who can use YourCheck2Go?

Use of YourCheck2Go 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 an iPhone or Android smartphone or other approved mobile device.

What type of check can I deposit with YourCheck2Go and what items are not allowed for deposit using YourCheck2Go?

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, YourCheck2Go creates an electronic record for each deposit.

When will my funds be available after my YourCheck2Go deposit?

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

What is the cutoff time for depositing checks with YourCheck2Go?

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's processing.

Are there limits for deposits made with YourCheck2Go?

Yes, the Bank 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 financial center for assistance.

What should I do with my paper check after I make my YourCheck2Go 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.

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