Online Banking FAQs
Have Questions? We Have Answers!
Q. How do I sign up for Peoples Online Banking?
You may enroll for Peoples Online Banking by contacting your local Peoples Store and they’ll be happy to get you set up.
Q. What can I do within Online Banking?
With Peoples Online Banking, you have control over nearly every aspect of managing your Peoples Bank accounts. You can:
- View balance and transaction history for your Online Banking accounts
- Transfer funds between your authorized Online Banking accounts
- Transfer funds between your Peoples Bank account(s) and accounts held at other financial institutions (terms & conditions will apply)
- Pay one-time or recurring payments online with Bill Pay
- Enroll in Mobile Banking to bank anywhere, anytime using your mobile device
- Download account information into your financial management software
- Set up personalized alerts
- Send and receive secure electronic messages to and from Peoples Bank
Q. How much does Online Banking cost?
There is no charge for consumer Online Banking services. However, there are may be fees associated with certain Cash Management/Business features for business. For more information on our Cash Management/Business services, please contact your local Peoples Store.
Q. What happens the first time I log in to Online Banking?
The first time you log in you will be prompted to accept the Online Banking Terms and Conditions, then change your password for security reasons. You will also have the option of changing your User ID. Then, you will be asked to select a personal image from the provided selection of over 3000 images. You’ll also be prompted to select and answer three security questions.
Q. My Online Banking ID is a twelve-digit number. Do I really have to enter that each time I log in?
No. You must use the twelve-digit number the first time you log in. After that you have the option to create a new, unique User ID. If you do not assign this User ID upon your first log in to Online Banking, you can change your User ID by visiting the Settings tab within Online Banking, clicking on “Personal” and entering a new User ID under “Modify Login Information.” The twelve-digit number will always exist and can be used as a backup.
Q. What are the guidelines for creating a User ID?
Online Banking IDs must be between 4 and 25 characters and consist of one or more letters; numbers are also allowed. Online Banking IDs are not case sensitive.
Q. What are the guidelines for creating a password?
Passwords must be between 6 and 25 alpha-numeric characters (letters and numbers only). No special characters are allowed in Online Banking passwords, and passwords are not case sensitive.
Q. How soon will I see transactions within my Peoples Bank Online Banking account?
Peoples Bank Online Banking is real-time. Most transactions that occur within your account are available for viewing immediately. Online Banking will build and retain 90-days’ worth of history.
Q. Does my Peoples Bank Online Banking ever expire?
Online Banking service does not expire if you are regularly using the service. However, if you do not log in to the service for ten months, your online banking will automatically move into a “dormant” status. While in this status, you will be unable to log in until you contact us to request that your online banking be restored. If you still have not logged in at the after of 13 months, your online banking will be deleted.
Q. What Guest Service options are available within Online Banking?
Our Bankers are available to you during normal business hours. However, you can also use the Contact Us option within Online Banking to send us secure messages from within your Online Banking session 24 hours a day, seven days a week. We will respond to these messages as soon as possible during normal business hours.
Q. How late in the day can I make transfers? Can I make them on weekends?
Transfers can be made at any time. However, please note that transfer cut-off time is 10:00pm Central time Monday through Friday (excluding Bank holidays). Any transfer made after 10:00pm, during the weekend or on a day the Peoples Bank is closed will be processed on the next business day.
Q. How are my bill payments processed?
Payments made with Peoples Bank’s bill pay are processed at 12:00PM and 2:00AM central time Monday through Friday (excluding Bank holidays). Payments may be made by check and mailed via the United States Postal Service or electronically. The payment process will be determined by Peoples Bank Online Banking as some companies are unable to accept electronic payments.
Q. Can I set up alerts for my transactions using Online Banking?
Yes, alerts are available via email or upon login to Online Banking. Alerts provide you with a convenient way to be made aware of various activities occurring on your accounts. Simply click on the Settings tab then select “Alerts” to establish these alerts. Alert options include events, balance alerts, item actions and personal activities. Please note that insufficient funds (NSF) alerts are sent the business day after the item(s) have posted to your account. If you wish to be alerted in advance to a low balance situation, it is suggested that you use the “balance alert” feature to receive an alert when you reach a pre-determined low balance.
Q. How can I add/remove accounts from Online Banking?
New accounts opened with Peoples Bank will be added to your online banking no later than the next business day. If you need this to happen sooner, please let your Banker know when you are opening the account and they will ensure that the account is immediately available in your existing online banking.
To permanently remove an account from your online banking, please contact your nearest Peoples Bank store and we will be happy to help remove an account. Closed accounts will appear for your convenience for 30 days after closure. During this time, no transactions may be performed on this account.
Q. How does my Quicken® or Quickbooks® financial software work with Peoples Bank?
While Peoples Bank does not support the Quicken® and Quickbooks® products, we do understand that these tools can be valuable to you and to your business. Therefore, we provide the functionality for you to upload transactions from your Peoples Bank accounts into your software. To begin a download, simply choose the account from which you would like to download transactions. Then click the “Download” link on the menu. For more assistance in setting up your Quicken® or Quickbooks® accounts, please visit intuit.com.
Q. Where would I find details about my accounts within Online Banking?
For example, how do I find my loan payment amount?
On the Accounts page, choose “Account Info” from the drop-down list to the right of the account. This will display specific information about your account. If the information you are looking for is not available, please contact your local Peoples Bank.
Q. What transfer option do I select to make a payment on an interest-only loan?
If you are making a payment on an interest-only loan, please enter your payment in the “Regular Payment” field in order to advance the due date. Transfers entered after 10:00 pm Central Time will be processed on the next business day.