• This is a cartoon image of a rocket ship.

    NEW! Open an Account Online

    Start to finish - takes only 10 minutes

    It's easy to open a personal checking, savings or money market account online from anywhere. Select your debit card, make your first deposit, and more with PCB's new account opening tools.

    Open a PCB Account Now

  • This is a picture of a computer and a construction hat.

    Building Projects?
    We have a loan for that!

    Apply for a construction loan in just 15 minutes and get started!

    Apply Online Now

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    Free Online Bill Pay

    No time to buy envelopes and drive to the post office?
    No problem!

    With PCB's free Online Bill Pay, we make it easy to pay your bills online. Log into your Internet Banking and select the Bill Pay tab to get started.

  • PCB's VA Loans with 100% Financing

    Qualified active duty and veterans of the U.S. Military or National Guard can purchase a home with a VA loan at PCB without a down payment. Restrictions apply. Visit with our lending team to learn more.

    Apply Now

  • PCB has home improvement loans for your next project.

    Home Improvements Start Here...

    You can use the equity in your home to pay for projects around the house and much more! Ask us about our Home Equity Loans and our Home Equity Lines of Credit. 

    Apply Now

Loans for a 2nd Home
"Nearly 30 years ago, a young couple moved to Rolla and Phelps County Bank took a chance on us. PCB is still with us now as we purchased our lake house for retirement. Dena Hope made the process easy."
- The Whitefield Family

Apply Online
PCB Loan Officer Dena Hope -
NMLS # 412141
Move-In Day and Beyond
"PCB has so much to offer its clients with amazing customer service and dedicated employees!"
-The Barsoum Family

PCB Loan Officer Wendy Young - NMLS # 411235
Loans for 1st Time Buyers
"Angie Proffitt made the loan application and loan process so easy! It was great knowing we had someone to walk us through anything we needed. It made buying our first home as easy as possible!"
- The Stuck Family

PCB Loan Officer Angie Proffitt - NMLS # 1384049
Loans for "Forever" Homes
"PCB helped us achieve our dream of purchasing our "forever" home. With Jon Rapp, we never felt like our loan was just business. Our dream was important to Jon, too. We will always be grateful for PCB's kindness, efficiency and hard work."
- The Hargis Family

PCB Loan Officer Jon Rapp -
NMLS # 862619