FAQ
General Banking Services
What types of accounts does Phelps County Bank offer?
PCB offers personal and business checking accounts, savings accounts (including minor savings), money market accounts, CDs, and IRAs.
How do I open a checking or savings account online?
You can open a PCB account online in about 10 minutes. Choose your account type, upload a photo ID, order your debit card, and make your first deposit.
What is FDIC insurance and how does it protect my money?
FDIC insurance protects deposits up to $250,000 per depositor, per ownership category, in the event of a bank failure. It covers checking, savings, money market accounts, and CDs.
Loans & Credit
How do I apply for a personal loan or mortgage?
You can apply online for personal loans or mortgages in less than 15 minutes.
What are the current mortgage rates?
Rates vary based on loan type, credit score, and other factors. Use PCB’s rate calculator to get a personalized quote.
What credit score is needed to qualify for a loan?
While Phelps County Bank doesn’t publish a minimum score, most lenders prefer scores of 580+ for basic approval and 700+ for better terms.
What is the difference between secured and unsecured loans?
- Secured loans require collateral (e.g., a car or home) and often have lower interest rates.
- Unsecured loans don’t require collateral but may have higher rates and stricter credit requirements.
Online & Mobile Banking
How do I enroll in online banking?
Visit PCB’s online banking page and click “Enroll Now.” You’ll need your account number and personal information.
Is mobile banking secure?
Yes. Phelps County Bank uses enhanced login security, encrypted connections, and fraud monitoring to protect your data.
What should I do if I forget my online banking password?
Click “Forgot Password?” on the login page to reset it securely.
How can I deposit checks using the mobile app?
Use the PCB Mobile app to take a photo of your check and deposit it directly into your account.
Business Banking
What business banking services does Phelps County Bank offer?
PCB offers business checking, savings, cash management, SBA loans, commercial loans, and merchant services.
How do I open a business account?
Visit a branch or contact PCB to start the process. Online account opening may be available for some business products.
What are the benefits of a small business checking account?
PCB’s business accounts offer low fees, digital banking tools, and access to lending and cash management services.
Security & Privacy
How does Phelps County Bank protect my personal information?
PCB uses encryption, secure login protocols, fraud alerts, and never asks for sensitive info via email or text.
What should I do if I suspect fraud on my account?
Contact PCB immediately. After hours, call (866) 546-8273 to report a lost or stolen card.
Is my online banking activity encrypted?
Yes. PCB uses industry-standard encryption to protect your data during online and mobile banking sessions.
Local & Branch-Specific
Where is the nearest Phelps County Bank branch?
PCB has branches in Rolla, St. James, and Springfield, MO.
Does Phelps County Bank offer drive-thru or ATM services?
Yes. PCB offers drive-thru banking and ATM access at most locations.
Find your local branch and banking services here: https://www.mypcb.com/about-pcb/locations
Phelps County Bank $100,000 Swipestakes
Do I need to complete an entry form?
No. Just use your personal Phelps County Bank Debit Card. Entries are automatic with qualifying purchases.*
Do I receive an entry each time I use my card?
Yes. Each qualifying purchase earns one entry, so the more you make, the more entries you'll receive for the chance to win. Make qualifying everyday purchases with your Phelps County Bank Debit Card from 2/1/26 - 12/31/26.
Is there a way to enter without making a purchase?
Yes. See Official Rules for the no-purchase-necessary method of entry.
*No Purch Nec. 50 US/DC res., legal age of majority. Restrictions apply. Ends 12/31/26. Click for Rules.
Customer Support
How can I contact customer service?
Call 1-800-667-5202 or visit a local branch. You can also send secure messages via online banking.
What documents do I need to open an account?
You’ll need a valid photo ID and basic personal information, like your Social Security Number or Tax Identification Number and proof of a physical address. Some accounts may require a minimum deposit to open. Business accounts may require additional documentation. Phelps County Bank reserves the right to require additional information.
How do I update my contact information?
Log into online banking or visit a branch to update your phone number, email, or mailing address.