Your first defense in identifying any fraudulent activity is monitoring your accounts and your transactions. Ensuring Peoples Savings Bank can reach you promptly with any questions we may have about unusual transactions will help with your security. Notify Peoples Savings Bank if you have any changes in any of your account information. Please contact us immediately if you are unsure about any charges on your account.

Rhineland: P: 573-236-4414
Hermann: P: 573-486-1444
New Florence: P: 573-835-4414
Montgomery City: P: 573-564-3444
New Haven: P: 573-237-3322
New Melle: P: 636-398-5600
WingHaven: P: 636-561-5500

Consumer Privacy

Peoples Savings Bank takes consumer privacy seriously. We will take every precaution to protect your privacy. PSB will not share your information with other companies.

Online Privacy

The privacy of communications between you (your computer / device) and our servers is ensured via encryption. Encryption scrambles messages exchanged between your browser and our online banking server.

The use of Cookies

A cookie is a small amount of data generated by a website and saved by your web browser. Its purpose is to remember information about you, similar to a preference file created by a software application.

While cookies serve many functions, their most common purpose is to store login information for a specific site. Some sites will save both your username and password in a cookie, while others will only save your username. Whenever you check a box that says, "Remember me on this computer," the website will generate a login cookie once you successfully log in. Each time you revisit the website, you may only need to enter your password or you might not need to log in at all.

Cookies are also used to store user preferences for a specific site. For example, a search engine may store your search settings in a cookie. A news website may use a cookie to save a custom text size you select for viewing news articles. Financial websites sometimes use cookies to store recently viewed stock quotes. If a website needs to store a lot of personal information, it may use a cookie to remember who you are, but will load the information from the web server. This method, called "server side" storage, is often used when you create an account on a website.

Browser cookies come in two different flavors: "session" and "persistent." Session cookies are temporary and are deleted when the browser is closed. These types of cookies are often used by e-commerce sites to store items placed in your shopping cart, and can serve many other purposes as well. Persistent cookies are designed to store data for an extended period of time. Each persistent cookie is created with an expiration date, which may be anywhere from a few days to several years in the future. Once the expiration date is reached, the cookie is automatically deleted. Persistent cookies are what allow websites to "remember you" for two weeks, one month, or any other amount of time.

NOTE: Since cookies are stored in a different location for each web browser, if you switch browsers, new cookies will need to be created.

Internet Banking also uses a different kind of temporary cookie known as a session cookie, a non-persistent cookie, or a pre-expired cookie. This cookie is used as part of the stringent security measures in Internet Banking to make sure that each page in Internet Banking is not cached or saved on your system. This means that each page must be retrieved from the Web server. This cookie is deleted when a user logs out Internet Banking session expires or if the browser window is closed and ensures that another user on the same computer cannot access the previous user’s Internet Banking session or information.

Enhanced Security used by Internet Banking may place a secure permanent cookie on your computer. This secure cookie is unique, and when used in combination with your login information, creates a unique way to identify you to the system. For every login attempt after you add extra security to a computer, this secure cookie is validated along with the login identification you normally enter. This secure cookie is only used to validate your identity and does not contain any personal information.

Links to Other Sites

We will provide links to other websites from Peoples Savings Bank website. You will receive a notification when leaving our banks website. If you choose to go to that website, PSB has no control over information at any site hyperlinked to or from our website. PSB makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Peoples Savings Bank of any information in any hyperlinked site. In no event shall Peoples Savings Bank be responsible for your use of a hyperlinked site.

Some browser pop-up blockers will prevent the new window from opening. Please disable your pop-up blocker before clicking “continue”.

How Encryption Works

Data normally comes in plaintext or cleartext form. In order to disguise or hide the message from an unintended recipient, some choose to encrypt the data. When one encrypts a message, it becomes unreadable. The encryption converts the plaintext to “cipher text,” thereby securing the integrity of the data. The way the process works is that the sender will provide a passphrase to the recipient, that receives the encrypted message, using the passphrase will decrypt the message back to its original cleartext or plaintext format.

  • When visiting online banking’s sign-on page, your browser establishes a secure session with our server.
  • The secure session is established using a protocol called Secure Sockets Layer (SSL) Encryption. This protocol requires the exchange of what are called public and private keys.
  • Keys are random numbers chosen for that session and are only known between your browser and our server. Once keys are exchange, your browser will use the numbers to scramble (encrypt) the messages sent between your browser and our server.
  • Both sides require the keys because they need to descramble (decrypt) messages received. The SSL protocol assures privacy, but also ensures no other website can “impersonate” your financial institution’s website, nor alter information sent.
  • To learn whether your browser is in secure mode, look for the secured lock symbol at the bottom of your browser window.

Encryption Level

The numbers used as encryption keys are similar to combination locks. The strength of encryption is based on the number of possible combinations a lock can have. The more possible combinations, the less likely someone could guess the combination to decrypt the message.

For your protection, our servers require the browser to connect at 128-bit encryption (versus the less-secure 40-bit encryption). Users will be unable to access online banking functions at lesser encryption levels. This may require some end users to upgrade their browsers to the stronger encryption level.
To determine if your browser supports 128-bit encryption:

  • Click “Help” in the toolbar of your internet browser
  • Click on “About”[browser name]”
  • A pop-up box or window will appear.
  • For Internet Explorer: next to “Cipher strength” you should see “128-bit”
  • For Netscape: you should see “This version supports high-grade (128-bit) security with RSA Public Key Cryptography”

If your browser does not support 128-bit encryption, you must upgrade to continue to access the website’s secure pages.

Firefox, Chrome, Safari and Internet Explorer web browsers

To get the best possible experience and added internet security using our website, we require you to upgrade your current web browser or install another web browser.A list of the most popular web browsers can be found below. More information on some common browsers available via these links:

Our Environment

Our network and data centers are protected by multiple layers of physical, procedural and technical controls. Our systems continuously monitor activity from unauthorized entry attempts.

User Password

When you sign up for online access, we ask you to create your own password, along with a logon ID, to access your accounts. This information is encrypted during transmission and will remain a secret as long as you do not disclose it.

Timed Log-off

Our system will automatically log you off from Online Banking and Bill Pay after a specified period of inactivity. This reduces the risk of others accessing information from your unattended computer. We recommend that you always sign off (log out) when done banking online.

Children’s Online Privacy Protection Act

We do not knowingly solicit data from children, and we do not knowingly market to children. We recognize that protecting children’s identities and privacy online is important and that the responsibility to do so rests with both the online industry and with parents.