About Online Banking
What is Online Banking?
What equipment and software do I need to access the Online Banking service?
Is the Internet safe and secure for Online Banking?
Can anyone else see my account information? Is it out in the public?
What can I do with Online Banking?
What accounts can I access with Online Banking?
How can I make finding accounts I need to access easier?
How current is the information displayed online?
Can I have more than one checking account linked to Online Banking?

Enrollment
How do I enroll in Online Banking?
What are the Access ID and Password requirements?
After I enroll, how long does it take for me to access my accounts?
How much does Online Banking cost?
Can you send me a temporary Password via e-mail?
Can I access Online Banking through my Macintosh computer?

Online Banking Support
What should I do if I have questions while I am banking online?
What should I do if I forget my Access ID?
What should I do if I forget my Authentication Image or Phrase?
What should I do if my Authentication Image or Phrase is not the one I’ve seen before when previously signing into Online Banking?
What should I do if I forget my Password?
What are my capabilities with money managers like Quicken®, QuickBooks®, Microsoft Money®, and Excel®?
How do I contact People’s Bank Online Banking support?
I can view other areas of your web site but I can not get into Online Banking. What is wrong?

Online Banking

Q. What is Online Banking?
A. Our Online Banking service allows you to conveniently access and manage select People’s Bank accounts through a personal computer. We have created this Online Banking service for individuals interested in personal financial management. This unique service leverages the power of the Internet to manage your finances more efficiently.

Q. What equipment and software do I need to access the Online Banking service?
A. You will need a connection to the Internet supplied by an Internet Service Provider (ISP), a modem (the faster the better, but at least 28,800 baud is recommended), and browser software which supports 128-bit Secure Sockets Layer (SSL) encryption. In all cases it is important that you be on the most recent release of whatever browsing software you choose to use.

Q. Is the Internet safe and secure for Online Banking?
A. At People’s Bank, we understand that security is very important to our Online Banking customers. Although we cannot guarantee absolute confidentiality of data transmitted over the public Internet, we encrypt all data transmissions between your computer and our data center using the strongest available industry standard SSL (Secure Socket Layer) protocols. You can confirm your Online Banking session is encrypted by the appearance of a “padlock” symbol at the bottom right of your browser screen.

Q. Can anyone else see my account information? Is it out in the public?
A. No, the data encryption process mentioned above is an effective way to achieve data security. Encryption significantly reduces the possibility of unauthorized users intercepting and reading your account or transaction. You can help safeguard your information by protecting your Access ID and Password. A proper combination of your Access ID and Password is the only way to get access into your account(s). Please be careful to keep this information secure, and LOG OFF of Online Banking when you are done.

Q. What can I do with Online Banking?
A. In addition to FREE unlimited access via the Internet, this system will enable you to:

• Access your balances and transaction information directly from your PC with the click of a mouse
• Search and sort specific transactions, with up to 30 days of transaction history available for many accounts
• View a running balance for checking and savings accounts
• View pending items such as ATM and Check Card transactions before they process to your account history
• Initiate real-time transfers between select People’s Bank accounts – even schedule recurring transfers
• Transfer funds online to pay select People’s Bank accounts including installment loans, home equity loans, and auto loans
• Export information to spreadsheet or accounting software
• Send electronic messages to customer service
• Assign account nicknames for your online accounts
• Print account activity from a pre-formatted page
• Order checks

Q. What accounts can I access with Online Banking?
A. You can access your People’s Bank checking and savings, installment loans, auto loans, home equity loans and lines of credit, certificates of deposit (CDs), and overdraft protection.

Q. How can I make finding accounts I need to access easier?
A. By using the Nickname Accounts feature, you will be able to create a memorable name for all of your accounts accessed through Online Banking. You will be able to name accounts according to their intended purpose like tuition expenses, vacation funds or children's savings account.

Q. How current is the information displayed online?
A. All balance information for deposit accounts is displayed in "real-time" and will change throughout the day based on your activity. Please note the following important details:

• Transfers made to People’s Bank loans will be updated immediately.
• Same-day transfers between deposit accounts (e.g. checking and savings) are effective immediately. A same-day transfer will appear in pending transactions when you commit to the transfer.
• Transfers scheduled for a weekend or holiday will be processed on the first business day following the weekend or holiday.

The balances shown for accounts that have pending items are updated immediately for a variety of transactions, including ATM and Check Card, but the individual transactions do not appear in account activity until processing is completed (which is normally that night, but can take a couple of days in the case of Check Card transactions)

Q. Can I have more than one checking account linked to Online Banking?
A. Yes, you can have up to 99 of your accounts with People’s Bank available through Online Banking depending on the legal title of the account.

Enrollment

Q. How do I enroll in Online Banking?
A. You may enroll in Online Banking by completing an application available on People’s Bank’s website, www.peoplesbankofcommerce.com, or at our branch at 750 Biddle Road in Medford. After the application form as been completed, submit it to People’s Bank by fax 541-774-7666 or mail to People’s Bank, Online Banking, 750 Biddle Road, Medford, Oregon, 97504, or drop it by the bank.

Q. What are the Access ID and Password requirements?
A. You will receive your temporary Password through U.S. Mail or in person. Your temporary Access ID is your account number. Once you access your accounts through the Internet (at www.peoplesbankofcommerce.com), click on First Time Login and you will be required to change your Access ID and Password. Your new Access ID and Password will be case sensitive and must be 6-12 alpha and numeric characters long.

Q. After I enroll, how long does it take for me to access my accounts?
A. We will process your enrollment application by the next business day after date of receipt and will provide to you a temporary Password. As soon as you receive your temporary Password, you can begin banking online.

Q. How much does Online Banking cost?
A. Online Banking is free with any People’s Bank account.

Q. Can you send my temporary Password to me via e-mail?
A. No, we consider the security of your banking information to be of top importance. Sending your temporary Password through the U.S. Mail secures and protects its confidentiality.

Q. Can I access Online Banking through my Macintosh computer?
A. You may bank online with People’s Bank via the Internet only. However, you may export your financial information from our Internet site and import the data into your Quicken files.

 

Online Banking Support

Q. What should I do if I have questions while I am banking online?
A. Customers who have elected to bank online via the Internet will find procedures and functions are covered in the online "Help" section. Once you login to People’s Bank Online Banking, you can get help on any screen or overview information. Just click the "Help" button at the top of the screen while you are logged on.

Q. What should I do if I can't remember my Access ID?
A. If you can't remember your Access ID, contact your branch at 541-776-5350 (Medford) or 541-482-3886 (Ashland) and have available the answer to your security question you provided to us.

Q. What should I do if I can’t remember my Authentication Image or Phrase?
A. If you can’t remember your Authentication Image or Phrase, contact your branch at 541-776-5350 (Medford) or 541-482-3886 (Ashland) and have available the answer to your security question you provided to us.

Q. What should I do if my Authentication Image or Phrase is not the one I’ve seen before when previously signing into Online Banking?
A. Stop and do not enter your Password. Contact your branch immediately at 541-776-5350 (Medford) or 541-482-3886 (Ashland) and have available the answer to your security question you provided to us.

Q. What should I do if I can't remember my Password?
A. If you can't remember your Password, contact your branch at 541-776-5350 (Medford) or 541-482-3886 (Ashland) at 541-776-5350 and have available the answer to your security question you provided to us.

Q. What are my capabilities with money managers like Quicken®, QuickBooks®, Microsoft Money®, and Excel®?
A. Our Online Banking will allow you to export transactions into your money management software. You will not be able to interface your money management software with our Online Banking. To export transactions into a personal application, complete the Transaction Search options on the Transaction Menu screen, then click the "Export" button to complete the export process.

Or, click the "Display" button to display a complete list of transactions. Select the "Export" check box for each item to be exported. If the check box in the title bar is selected, all displayed items are automatically selected for export. If the check box is then deselected, all displayed items will not be exported.

Note: Special printing is available on export item lists.

There are four types of transfer formats that can be selected from the drop-down transfer list box. The list below details the format type and its associated program.

• .csv- .csv for (Comma Separated) Microsoft Excel
• .QIF- Quicken Interchange Format (Intuit's) QuickenTm
• .OFX-Microsoft MoneyTm
• .IIF- (Intuit's) QuickbooksTm

Please note that Quicken 2004® does not yet accept exported Online Banking files.

Q. How do I contact People’s Bank Online Banking Support?
A. For answers to your Online Banking questions or for assistance servicing your account, please contact People’s Bank Online Banking Support in any of the following ways:

• Send us a message directly through People’s Bank Online Banking (using the "Contact Us" feature)
• E-mail us via the Internet.(To protect your privacy over the Internet, we recommend that you do not send sensitive information like your account number, credit card number, social security number, or password by email.)
• Email us at info@peoplesbankofcommerce.com
• Fax your question or comment to People’s Bank at 541-774-7666
• Call us at 541-776-5350 (Medford) or 541-482-3886 (Ashland) between 8 a.m. and 5 p.m. PST Monday through Thursday, and 8 a.m. and 6 p.m. PST on Friday.
• Write to People’s Bank at 750 Biddle Road, Medford, Oregon 97504

Q. I can view other areas of your web site but I can not get into Online Banking. What is wrong?
A. If you are able to view other areas of our web site, but are unable to access our Online Banking service, it may indicate that you are having a problem accessing secured sites in general. Both your browser and Internet Service Provider must support secured sites. Refer to the requirements for using Online Banking. Another reason the system may not be accessible is because of system maintenance. You will receive a page indicating “This page cannot be displayed."