Protect Your Information
At PSB Bank, protecting your financial and personal information is a top priority. As a community bank serving customers across Missouri, we are committed to helping you bank confidently, whether you're visiting one of our branches or handling your banking online. While we use strong security measures to safeguard your accounts, staying informed and alert is one of the best ways to prevent fraud.
Use the resources below to learn how to protect your accounts, recognize common scams, and take action if something doesn’t seem right. If you have any questions, please contact PSB Bank immediately.
Contact PSB Bank
Credit & Debit Card Security
Your PSB Bank debit and credit cards are designed with security in mind—but staying alert is one of the most effective ways to prevent card fraud. By understanding how to protect your cards and quickly recognizing suspicious activity, you can reduce the risk of unauthorized purchases and data theft.
Ways to Protect Your Cards
Monitor transactions regularly
Review your card activity frequently through online or mobile banking. If you see a charge you don’t recognize, report it to PSB Bank right away.
Set up card alerts
Account and card alerts can notify you of purchases, declined transactions, or changes to your card status, helping you identify potential fraud quickly.
Safeguard your card and PIN
Never share your debit card PIN or full card number with anyone. Do not write your PIN on your card or keep it stored with your card.
Be cautious when shopping online
Only enter card information on secure websites you trust. Look for “https” in the website address and avoid making purchases over public or unsecured Wi‑Fi networks.
Use mobile wallets when possible
Mobile payment options add an extra layer of protection by replacing your card number with a secure digital token during transactions.
Common Card Fraud Red Flags
- Charges from unfamiliar merchants or locations
- Small “test” transactions followed by larger purchases
- Notifications about declined purchases you didn’t attempt
- Requests to verify card information via phone, text, or email
PSB Bank will never ask you to provide your full card number, PIN, or one-time security codes through unsolicited calls or messages.
What to Do If Your Card Is Lost, Stolen, or Compromised
If your debit card is lost or stolen please:
- Use your PSB Bank mobile banking or online banking account to turn your card off.
- You should also call 573-409-4057 to report your card.
Prompt reporting helps limit fraud exposure and allows PSB Bank to assist you faster. You can request a new debit card by completing our online form.
Request a New Debit Card
Debit Card Travel Notifications
Whether you’re going on vacation for a week or having a quick outing over the weekend, it is important to let us know if you will be using your debit card away from your usual transactions. Our card processors look very closely at unusual transactions to protect you and your money and we would not want your card to get blocked while you are away. Please click the button below to fill out our travel notification form.
Submit Debit Card Travel Notification
Debit Card Dispute
If you believe you have an unusual transaction that came through your debit card and you did not make the transaction you may dispute the transaction. Researching and contacting the company is always a great strategy to figure out whether it is fraud or a third-party company processing a transaction that you did. The company could find the transaction easier and refund the money back to your account no problem. If the transaction is fraudulent and your card number has been compromised it is then time to continue filing a dispute with the bank. To better assist you with your debit card dispute please answer a few questions on the form below so we can better help you with your situation.
Submit Debit Card Dispute
Protecting Your PSB Bank Account
Fraudsters often rely on urgency, fear, or impersonation to gain access to sensitive information. Knowing what PSB Bank will and will not ask for is critical to protecting your accounts.
What PSB Bank Will Never Ask For
PSB Bank will never contact you to request:
- Your online banking username or password
- Your full debit card number
- Your debit card PIN
- One-time security codes or login approval requests
If you receive a call, text, or email requesting this information, it is a scam. Hang up or delete the message and contact PSB Bank directly using the phone number listed on our website.
Simple Steps to Keep Your Account Secure
- Review your account activity regularly for unfamiliar transactions
- Set up account alerts to monitor balance changes, logins, or debit card use
- Enroll in eStatements to reduce the risk of mail theft and paper fraud
- Report suspicious activity to PSB Bank as soon as possible
The sooner fraud is reported, the faster action can be taken to help protect your funds.
Online & Mobile Banking Security Best Practices
Online and mobile banking offer convenient access to your accounts, but they also require smart security habits. PSB Bank provides secure online banking tools, and customers play an important role in keeping their information safe. To make sure your accounts are as secure as possible, please follow these recommendations:
- Use strong, unique passwords: Create passwords that are long, complex, and unique to your PSB Bank account. Avoid using common words, birthdays, or personal information.
- Enable multi-factor authentication (MFA): MFA adds a critical layer of protection by requiring a second verification step when logging in.
- Avoid public Wi‑Fi for banking: Public or unsecured networks can expose sensitive data. Always access online banking from a secure, private internet connection.
- Keep devices updated: Use up-to-date operating systems, browsers, and security software on all devices used for banking.
- Log out after each session: Always log out of online or mobile banking when finished, especially on shared or public devices.
These steps significantly reduce the risk of unauthorized account access and data compromise.
Positive Pay - Protecting Business Owners Against Fraud
Check Positive Pay
Check Positive Pay is a fraud mitigation service that provides early detection of fraudulent, altered, or counterfeit checks through a daily verification of checks presented for payment against your check register.
How Does Check Positive Pay Work?
- Upload a file daily to online banking with list of checks written that day.
- As checks are presented for payment, the positive pay system compares the dollar amount, issue date, and check number of each item against the uploaded check file.
- After being notified via email or text, you will need to view the exceptions through online banking to decide whether the check is legitimate or not.
- Checks deemed not legitimate will be returned to the payee.
Benefits of Check Positive Pay
- Improved control over check payments
- Review any suspicious checks and determine action
- Reduce potential losses
- Monitor and protect against fraud
Check Positive Pay is an added service and additional fees may apply for this service.
ACH Positive Pay
ACH Positive Pay allows you to manage and monitor ACH debits and credits posting to your account via filters and blocks. You'll be able to make decisions on ACH transactions before your account is debited — and reduce the risk of potential fraud.
How Does ACH Positive Pay Work?
- Through online banking, you will set up a list of pre-approved parties that you deal with on a regular basis.
- If an ACH transaction posts to your account and they are not on your pre-approved list, an exception will be created for your review.
Benefits of ACH Positive Pay
- Reduced risk of potential fraud
- Ability to make pay or no pay decisions on ACH transactions identified as exceptions
- Transactions not meeting your criteria are sent to Online Banking for your review and approval.
*ACH Positive Pay is an added service and additional fees may apply for this service.