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People's Bank of Commerce

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Online Banking Login

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Individualized Password
When you sign up for online access, we may allow you to create your own username and password, to access your accounts. This information is encrypted during transmission.

Security Questions
The bank requires Online Banking customers to select three questions and provide answers. If we ever need to confirm your identity, your correct answers to security questions will help us verify it is you.

Timed Log-off
Our system will automatically log you off from Online Banking after 12 minutes of inactivity. This reduces the risk of others accessing your information from your unattended computer.

Debit Card Travel Notification
We are constantly monitoring activity on our customers' debit cards as part of our continuous Fraud Detection Program.  Based on fraudulent activity in certain areas, your card may not be available to use unless you notify us of your travel plans prior to departure.  Please stop by any branch to complete a Travel Notification for Debit Cards or call 866.454.4735.

From the moment account information leaves your computer to the time it enters the bank systems, all online access and Bill Pay sessions are encrypted.
During any transaction, our 128-bit encryption turns your information into a coded sequence with billions of possible variations, making it nearly impossible for unwanted intruders to decipher. Our computers possess the proper formulas to turn this code back into meaningful information and complete your transaction.
Look for a “closed lock” in the lower right hand corner (Microsoft Internet Explorer) or in the right end of the address bar (Firefox 2) or in the top right corner (Safari) of your browser to determine if encryption is being used on any Web page you are viewing. Any Web address beginning with https:// indicates the page you are viewing uses encryption. The “s” stands for “secured”.

Your Responsibilities
You are responsible for protecting your password and account information by:
  • Not disclosing your personal account information to others (including your ATM PIN, online username, and password) and
  • Promptly reporting incidents of unauthorized account access or use by calling 866.454.4735.  
Important Notice
The bank will NEVER call or email our customers and ask for account numbers.

Accordion 1
What do I do if I am a victim?

Reporting and Resolving Fraud

If you have given out your credit or debit card information
Report the incident to the card issuer as quickly as possible:
  • Debit Card - Call 866.454.4735 anytime.
  • Credit Card - Call 800.556.5678 anytime.
Request your card issuer close your compromised account number and reissue you a new card with a different number.
Monitor your account activity and review account statements carefully after the information loss.

If any unauthorized charges appear, call the card issuer immediately and follow up with a hard copy letter via a traditional delivery service such as U.S. Postal Service describing each questionable charge (keep a copy for yourself).

Credit or Debit Card Loss or Fraudulent Transactions

As a consumer you are protected by Federal law and by many card protection programs if you exercise reasonable care and report any unauthorized transactions promptly.  It is very important that you continually monitor your monthly statements to identify any unauthorized transactions.  Call us immediately at 866.454.4735 if you identify any unauthorized transactions on your statement.

If you notice fraudulent activity, promptly notify your financial institution or card issuer to report it. If you have given out your bank account information contact the bank as quickly as possible and request the bank close the compromised account and reopen a like account with a different account number.

If you have given out your personal identification information
If you believe you have given out personal information such as your name, address, and social security number to someone who may use it for fraud: Contact the three major credit reporting agencies – Experian, Equifax, and TransUnion and do the following:
  • Request a free copy of your credit report to check whether any accounts were opened without your consent.
  • Request that the agencies place a fraud alert and a victim’s statement in your file.
  • Request that the agencies remove inquiries and or fraudulent accounts stemming from the theft.
Major Credit Bureaus
  • To order your report call: 800.685.1111 or write: P.O. Box 74024, Atlanta, GA 30374-0241
  • To report fraud call: 800.525.6285 and write: P.O. Box 740241, Atlanta, GA 30374-0241
  • Hearing impaired call 800.255.0056 and ask the operator to call the Auto Disclosure Line at 800.685.1111 to request a copy of your report
  • To order your report, call: 888.EXPERIAN (397.3742) or write: P.O. Box 2002, Allen, TX 75013
  • To report fraud, call: 888.EXPERIAN (397.3742) TDD: 877.553.7803 and write: P.O. Box 9530, Allen, TX 75013
  • To order your report, call: 800.888.4213 or write: P.O. Box 1000, Chester, PA 19022
  • To report fraud, call: 800.680.7289 TDD: 877.553.7803 and write: Fraud Victim Assistance Division, P.O. Box 6790, Fullerton, CA 92634
Additional Actions to take if you believe that you are a victim of identity theft:
  • If bank accounts were set up without your consent, close them immediately.
  • Contact your local police department to file a criminal report.
  • Contact the Social Security Administration’s Fraud Hotline to report the unauthorized use of your personal identification information at 800.269.0271.
  • Contact the department of Motor Vehicles to see whether an unauthorized driver’s license number has been issued in your name and to notify them of the identity theft.
  • Notify the passport office to be on the lookout for anyone ordering a passport in your name.
  • File a complaint with the Federal Trade Commission. Online at Or call the FTC’s Identity Theft Hotline, toll free at 877.IDTHEFT (438.4338); TTY: 866.653.4261Or write: Identity Theft Clearinghouse, Federal Trade Commission, 600 Pennsylvania Ave, NW Washington DC 20580.
  • File a complaint with the Internet Crime Complaint center (IC3) by visiting their web site: IC3 is a partnership between the Federal Bureau of Investigation (FBI) and the National White Collar Crime Center (NW3C), with a mission to address fraud committed over the Internet. For victims of Internet fraud, the Center provides a convenient and easy to use reporting mechanism that alerts authorities of a suspected criminal or civil violation.
  • Document the names and phone numbers of everyone you speak to regarding the incident. Follow up your phone calls with letters. Keep copies of all correspondence.

Lost or Stolen

Lost or stolen ATM card or Debit Card
Report your lost or stolen ATM card or Debit Card immediately by calling us at 866.454.4735 or call the lost or stolen card service center at 844.202.5333 after hours or on weekends.

Lost or stolen checkbook
Report your lost or stolen checkbook immediately by calling us at 866.454.4735.

If possible, provide the check number for the last check that was written, or the name of the person or business to whom it was written. (Image copies of your checks can be found through Online Banking.)

Alert a credit bureau with your concerns
If you suspect you might be a victim of identity theft, contact the three major credit bureaus listed below to place a fraud alert on your credit file. You also can order a credit report to identify any unauthorized activity.
  • Equifax 800.525.6285
  • Experian 888.397.3742
  • Trans Union 800.680.7289

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