Terms of Use


Please read the following Terms of Use carefully since they govern your use of the PEOPLES BANK website (www.pbfco.com). From this point on, we will refer to the PEOPLES BANK website as “Website” in these Terms & Conditions.

PEOPLES BANK maintains this site to provide you with information about PEOPLES BANK services and products, allow our customers to perform banking transactions and to facilitate communications with PEOPLES BANK. From time to time we may revise these terms and conditions.

By accessing this site you indicate your acknowledgement and acceptance of these terms and conditions.

If you do not agree to the Terms of Use as they’re presented here, it is strongly suggested that you do not access this site or any of the pages herein.

Each user of this Website agrees to the following Terms of Use.


Transmissions and communications to and from this Website, even if done with the use of a secure Internet browser, may be read or intercepted by third parties. Each user of this Website agrees that PEOPLES BANK will not be held liable should such an interception occur. All information submitted to PEOPLES BANK via this Website shall be and remain the property of PEOPLES BANK. We will use our best efforts to include accurate and up to date information on this Website, but we make no warranties or representations as to the accuracy of the information.


This section describes the circumstances under which we may receive personal information on-line.

At PEOPLES BANK, security and the protection of confidential customer information, as well as that of all visitors to our web site, is our highest priority. Personal information may be collected through the submission of account applications, online banking transactions, or through the use of online financial tools such as interactive calculators. Visitors may also voluntarily provide us with personal information via e-mail, drawing registrations, web surveys, online registration, guestbook or contact forms. This information is handled internally by our staff to process the visitors request.

PEOPLES BANK does use standard Web tracking software to collect nonidentifying information about our visitors, such as:

Date and time our site was accessed
City, state and country
Web browser used
IP address (A numeric address given to servers connected to the internet)

The bank uses this information to create summary statistics and to determine the level of interest in our web site. This information is used exclusively by PEOPLES BANK and is not shared, sold or otherwise divulged to any third party.

Some areas of our web site may use a “cookie” temporarily stored in the visitor’s computer memory (RAM) to allow the web server to log the pages you use within the site and to know if you have visited the site before.


All information, documents and materials posted on this Website are only for the internal use of Website users and may not be resold, republished, or copied, without the prior written consent of PEOPLES BANK. In addition, all information, documents and materials posted to this Website are subject to change without prior notification. All services and products described in this Website are subject to the terms of the applicable account agreements. Not all of the services and products described on this Website are available in all geographic areas. You may not be eligible for all the products or services offered through this Website. A Website user’s eligibility for particular services and products are subject to final PEOPLES BANK approval. It is also important that you note that investment products are not obligations of, or guaranteed by PEOPLES BANK; and investment services are not bank deposits insured by the Federal Deposit Insurance Corporation or any other entity, and are subject to investment risks.

PEOPLES BANK may establish links between this Website and other websites operated by non-affiliated third parties. PEOPLES BANK has no control over any other such websites or the contents therein and the existence of any such link shall not constitute an endorsement by PEOPLES BANK. All user access to any of these hyperlinks are at the user’s own risk and the content, accuracy, opinions expressed, and other links provided are not investigated, verified, monitored or endorsed by PEOPLES BANK.


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.


Copyright in the images, text, screens and web pages appearing at this Website is owned by PEOPLES BANK or others as indicated. You may copy information from our Website for your personal or educational use only, provided that each copy includes any copyright, trademark or service mark notice as they appear on the pages copied. The information and materials may not otherwise be copied, displayed, distributed, downloaded, licensed, modified, published, reposted, reproduced, reused, sold, transmitted, or otherwise used for public or commercial purposes, except as provided in these terms and conditions without the express written permission of PEOPLES BANK.


Each user of this Website agrees to indemnify and hold PEOPLES BANK, its trustees, management, employees and agents harmless from and against all claims and expenses, including attorneys’ fees arising out of the use of this Website and the content herein.


PEOPLES BANK will not be held liable for any damage done to a user’s computer, such as a virus being downloaded from a link or site accessed through this Website.

Financial Calculators are provided on the PEOPLES BANK Website for your convenience. The information obtained from the use of these calculators is strictly estimates and may not be representative of actual payment amounts. The accuracy of the results is not guaranteed. Differences in these results and results obtained by other means are probable due to rounding or slight differences in the mathematical formulas used.

Additional information or comments may be directed to the following:

106 South Main Cross
Flemingsburg, Kentucky
(606) 845-2461