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Why should I choose The Peoples Bank Co.?
If superior customer service is important to you, you should choose The Peoples Bank Co. We realize that the key distinction between banks is the way they serve their customers. Our goal is to use today's modern technology to help make your banking easier without losing the personal touch. Our CSRs and Loan Officers are always willing to help you find the products and services that are best for you - even if that sometimes means referring you to another provider. Since 1905, we have been committed to taking care of the financial needs of all of our customers and we continue that tradition today.

Why should a community bank be important to me?
As a locally owned and operated bank, we are in the best position to understand your financial needs and give you the kind of personal service you want and deserve. Our employees and directors are your friends and neighbors and they have the same dreams and concerns that you do. All our decisions are made here locally, so we can respond to your needs in a quick and timely manner. Many times our customers are driving their new car or moving into their new home before other banks would have responded to their loan requests. If you are looking for a product or service that is custom designed especially for you, we may be able to help you because as a community bank we have more flexibility than many of the bigger banks.



ATM Card

ATM Card

Online Banking

Online Banking



Switch Kit

Switch Kit

Answers to common questions

Yes, your accounts are insured up to the coverage limits established by the FDIC insurance program. The standard insurance amount is $250,000 per depositor, per insured bank, for each account ownership category. The FDIC provides separate coverage for deposits held in different account ownership categories. Depositors may qualify for coverage over $250,000 if they have funds in different ownership categories and all FDIC requirements are met.
All deposits that an accountholder has in the same ownership category at the same bank are added together and insured up to the standard insurance amount.

The bank will never ask you for your account information via email and we will only ask you for personal information via the phone after we have obtained proper verification from you. Please do not respond or give any information. If you are unsure about the situation, please do not give them any information and tell them you will have to call them back and then call the bank immediately to verify the authenticity of the call. If you have any questions about your account please contact the bank immediately.

You can view your account transactions on line by signing up for online banking. In addition to viewing your account transactions, you can also make transfers and payments, view and print copies of your paid checks, view previous statements, and pay your bills by signing up and using our bill payment service.

Customers can go to  This is a separate site so you will have to setup a user name, password and go through the authentication image and phrase. You will be able to view your statement, see your current balance, make payments, and review old statements on this site.

On the home page of the bank's web site click on the "LOGIN" box in the top right corner.  Click on "First Time User" and fill out the enrollment form.  You will need a valid account number.  Once you have completed this information, you will have access to online banking.  Please do not share your login credentials with anyone and do not write it on any of your account documents.

A business day is every day except Saturdays, Sundays, and federal holidays. Our business hours are from 8:00 a.m. until 5:00 p.m. EST, Monday through Thursday, and 8:00 a.m. until 6:00 p.m. on Friday. Transactions are accepted during business hours. Saturdays are not considered business days even though the bank is open from 8:00 a.m. until 12:00 p.m. (noon). Transactions received on Saturdays will be processed on the next business day

If your deposit falls on a non-business day you can expect it to show on your account the business day before.

Transactions done at an ATM prior to 5:00 pm will post on the current business day.

Transactions done at an ATM prior to 5:00 pm will post on the current business day. For Debit Card Point of Sale transactions done at a merchant, the posting timeframe will vary according to the merchant processing methods. (In order to prevent overdrafts, please make sure funds are available prior to conducting the transaction.) Transactions will appear on the online banking system the following business day.

With online banking you have until 5:30 PM EST to transfer funds on the same business day. Any transfer made after 5:30 will be credited to your account on the next business day.

Please contact the Bank immediately so that the card status can be changed to lost or stolen. During normal business hours, please call 419-678-2385 or toll free 1-866-PBC BANK (722-2265). After normal business hours, please call 1-800-472-3272.

Please contact the Bank's ATM/Debit Card Department at 419-678-2385 as soon as you notice any suspicious and/or fraudulent activity on your account.

You can call the bank and ask for the Credit Card Department to report your card lost. You can also call the customer service number on your statement (1-800-423-7503) and talk to them directly to report your card lost.

Customers may call the bank and ask for The Credit Card Department to report the fraudulent charges. If the activity is truly fraudulent, you will have to call the Dispute Line to start a dispute on the fraudulent charges.

You can click on the "Forgot Password" link on our web site ( You will enter your access ID and click submit. Your temporary password will be immediately emailed to you at the email address we currently have on file.

Please call our Online Banking Department in Coldwater at 419-678-2385 or toll free at 1-866-PBC BANK.

You can call Customer Service at 1-800-423-7503 to get your password reset. The bank cannot reset your password for you.

Click here for access to a form that will provide help in balancing your bank statement.

Remember your User Name and Password are case sensitive. 

Forgot your Password?

Click on "Forgot Password" to do a quick password reset. 

Your Password will be sent via e-mail.

Still having trouble?

Please contact your Customer Service Representative at a location below.  Please explain what kind of trouble you are having and they can assist you.

Coldwater  Main St. Coldwater  North St. Celina
Logan St.
Celina  Wayne St. Burkettsville Rockford St. Marys
419-678-2385 419-678-8701 419-586-6555 419-586-9910 419-375-4793 419-363-9779 419-394-0777