Mobile Banking

  1. Your account balance will be the current available balance. When you view Transaction History, you see the most recently posted transactions. 

  2. The security and protection of your accounts and our systems are of the utmost importance to us. We take extraordinary care in providing a safe and secure Online Banking delivery system. Please refer to our Online Security Statement for more information.

    Your personal and financial information is not stored on your mobile device. It remains strictly within Online Banking.

  3. Verify your tablet’s operating system (OS) is current. Updates to the OS are generally found under your Settings option. Please try updating your OS and then download the app again. If the tablet is up-to-date, try to uninstall the app and download it again.

  4. Short codes are abbreviated phone numbers, usually five digits, used to send and receive messages. Just like traditional phone numbers, you can add this to your Contact List. The PTC short code is 96924.

  5. PTC Mobile Banking works on all major mobile service carriers in the U.S.: AT&T, Sprint, T-Mobile®, U.S. Cellular®, and Verizon Wireless. PTC Mobile Banking also works on a number of the smaller service carriers, including, but not limited to, Boost Mobile, Cricket Wireless, Metro PCS, Pioneer Cellular, Union Wireless, and Virgin Mobile USA.

    Please note: Even if your carrier is listed here, the services may be limited depending on your device and service plans.


    • Log into PTC Online Banking
    • In the top menu, click USER OPTIONS > Scroll down to MOBILE BANKING PROFILE
    • Click MANAGE DEVICE(S) – A new window/tab will open
    • Click on the drop down menu
    • Confirm your decision

    Note: Rest assured, your log in information is not stored on your device.

  7. Certain wireless providers disable the use of short codes. Contact your provider as they may be able to turn this ability on for you or give more information.

  8. Mobile Banking works with most prepaid plans, but it is not guaranteed. Some providers do not support the Short Codes necessary for Mobile Banking. If you have questions about the capabilities of your mobile phone, please contact your mobile carrier for more information.

  9. You must be enrolled in Online Banking. Depending on your phone’s capabilities, you can use:

    • Text messaging: Must be capable of sending and receiving text messages
    • Mobile browsers: Must support web browsing functionality – some browsers work better with different tablets
    • Mobile apps: Currently available for Android, Kindle, and Apple devices
  10. 96924

  11. Yes, you can enroll several devices for Mobile Banking within Online Banking.


    • In the top menu, click PROFILE
    • Scroll down to MOBILE BANKING PROFILE section
    • Click MANAGE DEVICE(S) – A new window/tab will open
    • Click the ADD NEW PHONE button and complete the remaining steps
  12. Many of the popular brands are supported, such as iPhone, BlackBerry, HTC, LG, Motorola, Nokia, Pantech, Samsung, Sanyo, and Sony Ericsson. Please note: Some models of these brands are not compatible with the app. If you have the ability, your phone’s web browser and text messaging can be used.


    • Log into PTC Online Banking
    • Log into PTC Online Banking
    • In the top menu, click USER OPTIONS > Scroll down to MOBILE BANKING PROFILE
    • Click MANAGE DEVICE(S) – A new window/tab will open
    • Click on the drop down menu

    On completion, a new activation code will be sent to you

  14. Mobile Banking is compatible with Apple, Android, and Amazon Kindle Fire tablets.

  15. Peoples Trust Company works with our debit card Risk Offices to monitor and track card activity. If there is activity on your card that appears different from your regular transaction activity, a case may be created and you may receive a call or text confirming whether the activity is authorized.

    The call or text will first come from the risk office and appear as Peoples Trust Company Fraud Center, shortly after transactions are identified as potential fraud. Peoples Trust Company will also contact you by phone if the risk office has been unsuccessful.

  16. It has been found that text fraud alerts can more effectively mitigate fraudulent activity, allowing cardholders to receive the message and react more quickly, in order to resolve the cases.

    Here is a sample text you may receive:

    FreeMSG Peoples Trust Company Fraud Center 877-253-8964 please confirm $125.46 on card 1234 at Macy’s.  If valid reply YES, fraud NO.  To Opt Out, STOP

  17. No, all messages coming from short code 37268 are free to you.

  18. All texts will be from the short code 37268.

  19. No. Other forms of notification such as voicemail will remain enabled. If no contact numbers are text-capable in your current record, it will use the next available form of notification.

  20. Sure! During banking hours you may call Peoples Trust Company directly at 802.524.2196 or 800.479.2196, or call the Fraud Center any time at 877.253.8964

  21. Yes, the Premium Texting service complies with TCPA (the Telephone Consumer Protection Act) because each text message includes verbiage indicating that the message is free, provides an opt-out option for the cardholder, and includes a call-back number.

  22. Peoples Trust Company is committed to protecting your personal information and mitigating the risk for fraudulent transactions. Here are some things you should know when receiving or responding to a fraud alert text or call, to help keep your information secure:

    • A text alert from us warning of suspicious activity on your card will NEVER include a link to be clicked. Never click on a link in a text message that is supposedly from us. A valid notification will provide information about the suspect transaction and ask the cardholder to reply to the text message with answers such as ‘yes’, ‘no’, ‘help’, or ‘stop’. It will never include a link.

      If you text “Help” in response to a message, you will receive a message to call the fraud center. When you call this number, you will be transferred directly to a Fiserv Call Center associate.

    • A text alert from us will always be from a 5-digit number and NOT a 10-digit number resembling a phone number. Text caller IDs will be 37268.

    • A phone call from our institution’s automated dialer will only include a request for your zip code, and no other personal information, unless you confirm that a transaction is fraudulent. Only then will you be transferred to an agent who will ask questions to confirm that you are the actual cardholder before going through your transactions with you. If at any point you are uncertain about questions being asked or the call itself, hang up and call us directly at 802.524.2196 or 800.479.2196.

    • We will NEVER ask you for your PIN or the 3-digit security code on the back of your card. Don’t give them out to anyone, no matter what they say. Hang up and call us directly.

    • Regularly check your account online to see if there are any suspicious transactions that have occurred, but especially if you are unsure about a call or text message you’ve received. If anything looks amiss, call us directly for assistance.

    • If you have received a voice or a text-message from us and are unsure about responding to it, call us directly at 802.524.2196 or 800.479.2196 for assistance.