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Mobile Banking is as easy as 1, 2, 3! To Enroll: Sign up or log in to online banking, then click "user options" at the top. Questions? Contact Us: 800-891-9389.

Our Priority is Your Security

At PTSB, we use the most uptodate technology to ensure the safety of your online banking with us and keep your accounts and account information safe and sound. Our online banking services are routinely audited to ensure they comply with current banking regulations. While our Privacy Policy outlines the use, collection and retention of client information, the following information may help maximize the security of your online banking experience.

Security Alerts

At Peoples Trust & Savings Bank, your security is important to us. As a result, we are closely monitoring the "Heartbleed" vulnerability you may have heard about in the news. We have evaluated the vulnerability identified within OpenSSL, and taken the necessary steps to ensure measures are in place to help prevent any compromise to our sytems.

We recomment that you change your Online Banking password at this time and also on a regular basis in the future to help protect your information.

If you have any questions or concerns, please contact us as 800-891-9389


Protect Against Scams and Spoofs

Many financial institutions that do business on the internet have become the target of fraudulent email and website scams. Every internet user should know about these spoof (also called Phishing or hoax) emails that appear to be from a well-known company. These fraudulent attempts can put you at risk of giving out sensitive personal information. Even if you don’t provide what they ask for, simply clicking on a link could subject you to background installations of key logging software or computer viruses.


Online Fraud

How to Identify Online Fraud

It is difficult to distinguish if an email is legitimate. Fraudsters have become increasingly sophisticated in creating fraudulent emails and websites that look authentic. These emails and websites often appear to be from legitimate companies and include images and logos of these organizations.

How To Protect Yourself From Online Fraud

  • Learn to use built-in security features that are provided with your internet browser instead of disabling them.
  • Keep your system and applications current with updates from the vendor’s website. For example, use Microsoft®Windows Update feature and install any Critical Updates and Service Packs that are available.
  • Use virus and spyware protection software and keep it uptodate in order to detect new threats.
  • Use a software or hardware firewall to protect your computer from network intrusion.
  • Make sure that any wireless network you connect your computer to is secured and requires encryption.
  • Do not download files, install software, or open email attachments from unverified or unknown sources.

What You Can Do:

  • Verified by Visa® – Shop securely online with your PTSB Visa® Check Card. We have partnered with Visa® to offer a free, simple-to-use service that confirms your identity with an extra password when you make an online transaction. Visit for more information.
  • Online Banking Service – Banking online is a secure and convenient way to monitor your account activity 24 hours a day, 7 days a week.
  • Balance Alerts – Sign up for balance alerts through your PTSB Online Banking account to keep track of your account balance if it goes below or above any amount you specify.

Never provide personal or financial information to unsolicited email, phone or pop-up website requests.

Type the website addresses (URL) into browsers instead of clicking on links in emails.

Change user IDs and password every 30 days. User IDs and passwords should not be your name, social security number, or any personal identification information. Passwords if possible should be a minimum of 8 characters and should contain upper and lower case letters, numbers or special characters. Passwords should not be common words or names. Keep anti-virus and anti-spam filtering software on your computer up to date.

Characteristics of Fraudulent Emails and Websites

Our bank will never send out an email requesting you to provide, update or confirm any personal identifying information.

Spoofs often have a sense of urgency telling customers that if they fail to update, verify or confirm their personal or account information, that access to their account will be suspended. They often contain obvious spelling errors. Obvious spelling errors are made to help spoof email avoid spam filters.

Spoof emails typically ask for personal or account information such as:

  • Account numbers
  • Credit and debit card numbers
  • Social security number
  • User IDs and passwords
  • Mother’s maiden name
  • Date of birth
  • Other sensitive information

Never give out any personal information in response to an unsolicited request.

They often include links that appear to be from a legitimate company or website address. The fraudulent emails will disguise or forge the sender’s email address so they appear authentic.

If you get an email or pop-up message that asks for personal or financial information, do not reply or click message links.


Identity Theft

Identity Theft involves criminals co-opting personally identifiable information – such as a person’s name, social security number or account number – for their own use. This is a crime that puts victims in the position of having to clear their credit reputation and credit records – in essence, to prove their innocence.

If You Are a Victim of Identity Theft

Call the ID Theft Clearinghouse toll free at 1-877-438-4338 to report the theft.

Place a fraud alert on your credit file at all three credit reporting agencies:

Contact the fraud department of each of the credit agencies:

Equifax 1-800-525-6285
Experian 1-888-397-3742
TransUnion 1-800-680-7289
  1. If your accounts or ATM/Debit cards at our bank are compromised, contact PTSB at 1-800-891-9389 as soon as possible so we may assist you.
  2. Contact your credit card companies immediately to stop access to your accounts.
  3. Stop payment on fraudulent transactions or stolen checks.
  4. File a police report with your local police department or the police in the community in which the identity theft occurred.
  5. Report all suspicious contacts to the Federal Trade Commission;!what-to-do or 1-877-IDTHEFT.


Variation on Phishing Attacks

Pop-up windows

Fraudsters may use pop-up windows, small windows or ads, to obtain personal information. These windows may be generated by programs hidden in free downloads such as screen savers or music-sharing software. To protect yourself from harmful pop-up windows, avoid downloading programs from unknown sources on the internet and always run anti-virus software on your computer.

Telephone or voice phishing

Known as vishing, or voice phishing, this tactic is a phishing attempt made through a telephone call or voice message. Fraudsters may have the ability to spoof their caller ID so it could appear that the telephone call is coming from a legitimate company. Fraudsters may also have identifying customer information, such as your name, which they may use to make the call appear authentic.

If you are uncomfortable with a phone call that was not initiated by you, hang up or ask for the purpose of the call.Then, contact the company using legitimate sources such as contact phone numbers found on the company’s website, your bank statements, and those listed on your ATM, debit or credit card.

Text-message phishing

A phishing attempt sent via SMS (Short Message Service) or text message to a mobile phone or device. This tactic is also referred to as smishing, which is a combination of SMS and phishing. The purpose of the text message phishing is the same as traditional email phishing: convince recipients to share their sensitive or personal information.

Never take action on a request for your personal or financial information, including account numbers passwords, social security number or birth date. Use caution if you receive a text message expressing an urgent need for you to update your information, activate an account, or verify your identity by calling a phone number or submitting information on a website. These messages may be part of phishing scams conducted by fraudsters in an attempt to capture your confidential account information and may be used to commit fraud.

If you suspect an email to be a spoof

If you suspect that you’ve received a fraudulent email that appears to be from Peoples Trust & Savings Bank, please forward it to us immediately and then delete it from your inbox.

Our email address is: is the official site to help consumers to obtain their free credit report.


What is PTSB doing to help protect you?

Secure Communications

Our system ensures that data exchanged between your PC and our computers is encrypted with 128-bit encryption-the strongest encryption available. Encryption is accomplished through Secure Sockets Layers (SSL) which utilizes mathematical formulas to “encrypt” or hide information from prying eyes on the internet. Additionally, if SSL detects that data was added or deleted after you sent it to the bank, the connection will be severed in order to guard against any tampering. The most popular browsers have the SSL security feature built in.

Secure Environment

Our computer system does not connect directly to the internet. It is isolated from the network via a “firewall”. A firewall is a combination of software and hardware products that designate parameters as well as control and limit the access that outside computers have to the banks internal network and databases. You can feel secure knowing that our firewall protects your personal information from unauthorized access.

Secure Login

User ID’s and passwords are isolated from the internet by being stored on a separate server. This way the passwords and ID’s can never be accessed or downloaded by anyone on the internet. To begin a session with the internet banking server, the user must key in a Log-in ID and a password. Our system uses a “3 strikes and you’re out” lock-out mechanism to deter users from repeated login attempts. After three unsuccessful login attempts, the system locks the user out, requiring either a designated wait period or a phone call to the bank to verify the password before re-entry into the system

Multifactor Authentication

An additional layer of security and fraud protection has been added to help prevent identity theft. Now when you sign up for internet banking you will be required to establish a security image and three security questions. Your security image and pass phrase will help to confirm that the website you are visiting is authentic and your security questions and answers will serve as a second layer of security to verify your identity on non-registered computers.

NOTE: You will be responsible for maintaining one of the most important security measures, your password. When you receive your password, be sure to keep it a secret. Memorize it, or write it down and keep it in a safe place. It is not recommended you carry your password in your purse or wallet. Make sure no one watches you enter your password and always close your browser when leaving the computer. Make sure you regularly scan your computer for viruses that could be used to capture password keystrokes. You ultimately hold the key to your password security.

Keeping your personal identification secure is important to us. Please refer to your local PTSB branch if you have additional questions or concerns.

Note: The PTSB website and Online Banking are best viewed and printed using Microsoft Internet Explorer 7.0 and higher; Firefox Version 3 and higher; and Safari 1.0 and higher. If you experience difficulties viewing or printing from the site, please download an updated browser version and try again. If your problems continue, please contact one of our Financial Centers and they will be happy to help you.