Peoples Exchange Bank is committed to providing our members with the highest quality, most comprehensive banking tools. To help us deliver these services to you, we have selected partners and service providers who are well-established industry leaders with proven track records. We are committed to making your online banking experience convenient and secure and providing the best member service possible when you need assistance. 
 

Identity Theft

Peoples Exchange Bank will NEVER solicit customers by e-mail or telephone requesting personal information, passwords, or account information such as your credit card number, ATM PIN or social security number. 
 

What is identity theft?

Identity theft (also known as identity fraud) is the misappropriation of another person's identifying information in order to:
  • obtain credit fraudulently from banks and retailers;
  • steal money from the victim's existing accounts;
  • apply for loans;
  • establish accounts with utility companies;
  • rent an apartment;
  • file for bankruptcy;
  • obtain a job; or
  • achieve other financial gain using the victim's name. 

There are two main classes of economic crime related to identity theft:
Account takeover occurs when an identity thief acquires a person's existing credit or bank account information and either withdraws money or makes purchases. Victims usually learn of account takeover when they receive their monthly credit card or bank account statement. 
 
In true identity theft, an identity thief uses another person's Social Security number and other identifying information to fraudulently open new accounts for financial gain. Victims may be unaware of the fraud for an extended period of time, which can allow the criminal to continue the use for months or even years. 
 
 

Privacy Notice

As a courtesy to our customers Peoples Exchange Bank offers links to selected web sites hosted by another party. If you choose to access the links that have been provided you will no longer be subject to, or under the protection of, the privacy and security policies of Peoples Exchange Bank. Peoples Exchange Bank assumes no liability for the content, information, security, policies or transactions provided by these other sites.
 
 

What Does Peoples Exchange Bank Do With Your Personal Information?

Rev. Date 11/2010

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:
  • Social security number and assets
  • Income and credit history
  • Credit cards or other debt and transaction history
When you are no longer our customer, we continue to share your information as described in this notice.
How? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information, the reasons Peoples Exchange Bank chooses to share, and whether you can limit this sharing.
Reasons We Can Share Your Personal Information Does Peoples Exchange Bank Share? Can You Limit This Sharing?
For our everyday business purposes –
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus		 Yes No
For our marketing purposes –
to offer our products and services to you		 Yes No
For joint marketing with other financial companies No We don't share 
For our affiliates’ everyday business purposes –
information about your transactions and experiences		 Yes   No
For our affiliates’ everyday business purposes –
information about your creditworthiness		 No We don't share 
For our affiliates to market to you No We don't share 
What We Do
How does Peoples Exchange Bank protect my information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Peoples Exchange Bank collect my information? We collect your personal information, for example, when you
  • Open an account or apply for a loan
  • Apply for insurance or give us your contact information
  • Show us your driver's license
Why can’t I limit all sharing? Federal law gives you the right to limit only
  • Sharing for affiliates’ everyday business purposes – information about your creditworthiness
  • Affiliates from using your information to market to you
  • Sharing for non-affiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and non-financial companies.
  • Our affiliates include others, such as Bankers Title of Central Kentucky, LLC (BTCK). BTCK provides title services. Information is only shared with BTCK with customer's consent.
Non‑Affiliates
Companies not related by common ownership or control. They can be financial and non-financial companies.
  • Peoples Exchange Bank does not share with non-affiliates so they can market to you.
Joint Marketing
A formal agreement between non-affiliated financial companies that together market financial products or services to you.
  • Peoples Exchange Bank does not jointly market.