At Peoples Bank, the basis of each customer relationship is trust. You have chosen to do business with us, and we are obligated to honor that relationship with great care, beginning with the information you have chosen to share with us. We believe that your privacy should not be compromised. At the same time, we want to offer you the array of financial products and services you need to accomplish your financial goals. We believe we can do both through the Privacy Policy outlined below.

Consumer Privacy Policy

Peoples Bank recognizes and respects the privacy expectations of our customers. We want our customers to understand our commitment to privacy in our use of customer information. As a result of our commitment, we have developed this Privacy Policy, which is made readily available to our customers. We will continue to maintain our dedication to protecting your privacy and will provide notice of our privacy policy annually to you. Customers who have questions about this Consumer Privacy Policy or have a question about the privacy of their customer information should call Peoples Bank at 877-802-1212, or e-mail us at




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.


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 income
  • Account balances and payment history
  • Credit history and transaction history


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 Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does Peoples 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 Yes No
For our affiliates’ everyday business purposes— information about your trans­actions and experiences Yes Yes
For our affiliates’ everyday business purposes— information about your credit­worthiness Yes Yes
For our affiliates to market to you Yes Yes
For non­­affiliates to market to you No We don’t share

To limit our sharing

  • Call 877-802-1212
  • Mail the form below
Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.


Call 877-802-1212 or go to

Mail-in Form

If you have a joint account, your choice(s) will apply to everyone on your account unless you mark below: __ Apply my choices only to me Mark any/all you want to limit: __ Do not share information about my credit­worthiness with your affiliates or for their everyday business purpose. __ Do not allow your affiliates to use my personal information to market to me.
City, State, Zip
Mail To: Peoples Bank Attn: Compliance Department P. O. Box 467 Newton, NC 28658

Who we are

Who is providing this notice? Peoples Bank

What we do

How does Peoples Bank protect my personal 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 Bank collect my personal information? We collect your personal information, for example, when you
  • open an account or provide account information
  • apply for a loan or deposit money
  • use your credit or debit card
We also collect your personal information from others, such as credit bureaus, affiliates or other companies.
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 nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing
What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account unless you tell us otherwise.


Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies
  • Peoples Investment Services, Inc.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies
  • Nonaffiliates we share with can include governmental entities, credit bureaus, companies that perform marketing services on our behalf, and companies that assist in servicing your accounts with us.
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • Joint marketing partners may include financial product or service marketing companies.

Click here to download a printable copy of this Consumer Privacy Policy (PDF)

Online Privacy Practices

Peoples Bank recognizes the importance our customers and other users of our websites place on the privacy and security of their information, and we are committed to protecting it as described in this Notice. This Notice applies to your use of Peoples Bank’s websites (the “Websites”). This Online Privacy Notice supplements any Terms of Use for the Websites. In the event of a conflict between the Terms of Use for a Website and this Online Privacy Notice, the terms of this Notice shall govern such matter. To the extent any information collected is “nonpublic personal information” as defined by the Gramm-Leach-Bliley Act of 1999 and applicable regulations (as amended from time to time) (“Nonpublic Personal Information”), the Privacy Notice for Customers will apply to Peoples Bank’s use of such information.


Cookie – is defined as a small text file stored on a user’s device that may later be retrieved by a web server from the device. Cookies allow web servers to keep track of the user’s browser activities, and connect individual web requests into a session. Cookies can also be used to prevent users from having to be authorized for every password protected page they access during a session by recording that they have successfully supplied their user name and password already. Cookies may be referred to as “first-party” (if they are placed by the owner of the website that is visited) or “third-party” (if they are placed by a party other than the owner of the visited website). Generally, you can manage cookies in your browser. Each browser is different, so you will need to learn the options available to you in each browser. If you change your settings, use a different device or change browsers, you will need to reset your cookie options.

Geo-Location Information – is defined as information that is “sufficient to identify the street name and name of the city or town” in which a device is located.

Internet Protocol (IP) Address – is defined as a unique string of numbers that identifies a computer on the Internet or other TCP/IP network. The IP address is expressed in four groups of up to three numbers, separated by periods, for example: An address may be “dynamic,” meaning that it is assigned temporarily whenever a device accesses the Internet and consequently may be different each time a device connects. Alternatively, an address may be “static,” meaning that it is assigned to a particular device and does not change, but remains assigned to one computer or device.

Online Behavioral Advertising – sometimes called “interest-based advertising” is defined as the practice of collecting data from a particular device regarding Internet viewing and usage behavior over time and across non-affiliated websites for the purpose of inferring user preferences or interests to later deliver advertising to that device based on those inferred preferences or interests.

Session Cookie – is defined as a Cookie that is deleted when a session ends. Session Cookies are used to monitor session activity within our online banking products and services. These Session Cookies are encrypted and only our Service Providers (as defined below) can read the information in these Session Cookies. The Session Cookie facilitates the processing of multiple transactions during a session without requiring you to reenter your passcode for each individual transaction. Session Cookies used within our online products and services do not pass to your computer’s hard drive. Instead, the Session Cookie is stored in your computer’s memory, identifying your computer only while you are logged on. When you log off, or close your browser, the Session Cookie is destroyed. A new Session Cookie is used for each session; that way, no one can use the prior Session Cookie to access your account. For additional security, the Session Cookie expires after 25 minutes of inactivity. It must then be renewed by reentering your passcode.

Service Provider – In order to provide our services, we may use various third-party providers. These third parties provide services such as: website hosting, Internet banking, bill payment, and account aggregation. We also engage third party providers to assist us in our online marketing and advertising programs. Third party providers are referred to within this Notice as “Service Providers.”

Web Beacon – is a clear graphic image (typically one pixel in size) that is delivered through a web browser or HTML e-mail. The Web Beacon operates as a tag that records a user’s visit to a particular web page or viewing of a particular e-mail. It is also often used in conjunction with a Cookie and provided as part of a third-party tracking service. Web Beacons provide an ability to produce specific profiles of user behavior in combination with web server logs. Common usage scenarios for Web Beacons include online ad impression counting, file download monitoring, and ad campaign performance management. Web Beacons also can report to the sender which e-mails are read by recipients.

“We”, “our” and “us” – means Peoples Bank.

“You”, and “your” – refers to the individual natural person who accesses or uses the Websites.

Information Collected

(A) Nonpublic Personal Information Collected by Peoples Bank – this information may directly or indirectly identify particular individuals. This information may be provided through forms, surveys, applications or similar online fields. Examples may include your name, postal address, email address, telephone number, Social Security number, date of birth or account information. As part of providing online financial products or services, we may obtain Nonpublic Personal Information about our customers and other Website visitors from the following sources:
  • Information we receive from you on applications, emails, or other forms;
  • Uploaded information: When you contact us using one of our online contact forms, we collect the messages you send as well as the Nonpublic Personal Information you provide, such as your name, phone number, and email address. If you upload any content including a customer testimonial for use on Websites, we also collect the Nonpublic Personal Information you submit at that time.
  • Information about your transactions with Peoples Bank;
  • Information we receive from a consumer reporting agency; and
  • Information that is generated electronically when you visit our Websites or use our online financial products and services
(B) Anonymous Information Collected by Peoples Bank and/or Service Providers – We, as well as our Service Providers, may collect general information about you which does not directly or indirectly identify, and cannot reasonably be used to identify you. We define this information as “Anonymous Information”. Such information may include:
  • The Internet address (referral site) which brought you to our Website;
  • The date and time you access our Website;
  • The name and version of your web browser;
  • Your Internet Protocol (IP) address and geolocation;
  • Your keystrokes and device identifier;
  • The pages visited in our Website; and
  • The duration of your online session.
Anonymous Information that is compiled from various sources and aggregated but which contains no Nonpublic Personal Information is “Aggregated Data.” Peoples Bank and certain Service Providers use Aggregated Data for various business purposes, including for data analytic and marketing purposes.

How We Use and Share Nonpublic Personal Information That We Collect

Peoples Bank uses Nonpublic Personal Information it collects through the Websites in accordance with its Privacy Notice for Customers of Peoples Bank. Please refer to that Privacy Notice for additional information regarding how we may share Nonpublic Personal Information, as well as the choices you may be able to exercise in connection with such sharing.

How We Use and Share Anonymous Information That We Collect

(A) Online Tracking – Peoples Bank and certain Service Providers operating on our behalf collect Anonymous Information about your activity on the Websites using tracking technologies, including Cookies, Flash Cookies, Web Beacons (including Pixel tags, web bugs, clear GIFs and other similar technologies) for many purposes including, for example, to:
  • Provide useful features to simplify your experience when you return to the Websites;
  • Deliver relevant content based on your preferences, usage patterns and location;
  • Monitor and evaluate the use and operation of the Websites; Analyze traffic on the Websites; and
  • Monitor and report Website trends
  • If you would like to opt-out of use of your Anonymous Information for these purposes, you will need to get the Google Analytics Opt-Out Browser Add-On at

Peoples Bank may use other technologies, such as the capture of screenshots while you are using the Websites to understand how you navigate and use the Websites. This information helps us to better understand how the Websites are used and to improve them.

From time to time, you may encounter online advertisements for our products and services on third-party websites. We use third-party advertising Service Providers to distribute our advertisements on websites where we have paid to advertise. These advertisements may use certain tracking technology to capture information such as your IP address, and browser type as well as your usage in order to track the effectiveness of our advertising.

(B) Online Behavioral Advertising (OBA) – We work with Service Providers such as advertisers, publishers, and other businesses to deliver targeted or personalized ads to you that are more relevant to your use of a particular device. In order to target ads, we create and use “audience segments.” These audience segments are based on Anonymous Information collected over time and across the Internet (e.g., websites visited, time spent on various sites and mobile applications). We also may combine Anonymous Information about you with Anonymous Information collected by Service Providers concerning your online behavior across websites and across devices. We use this Anonymous Information to determine or predict your characteristics, behavior, interests or preferences. Consumers benefit from receiving more relevant ads, while advertisers and publishers benefit from more effective advertising. We believe online behavioral advertising offers you an improved experience with online advertising.

(C) How to Opt-Out of Online Behavioral Advertising.

If you receive one of our ads as a result of OBA, it will display an AdChoices icon. By clicking on the icon, you will receive more information about OBA. You will also have the ability to opt-out from receiving targeted ads using OBA.

If you choose to opt-out, you may still receive online advertising from us. Opting-out through the steps listed above means only that the ads you do receive will not be based on OBA.

(D) Do Not Track – Certain browsers allow you to send “Do Not Track” or “DNT” requests to the websites you visit. Currently, we do not respond to a browser’s DNT requests.

Cross-Device Linking

We and/or our Service Providers may establish connections among related web browsers and devices (such as smart phones, tablets, computers, game consoles, and Internet-connected TVs) for targeted advertising, analytics, and reporting purposes. To achieve this, we process information to help conclude that a particular computer or device is operated by the same user or household as another computer or device. These cross-device connections allow us to understand that a single user or household is accessing our content and/or services from multiple devices, and to synchronize content and advertising messages across those devices.

Children’s Privacy

We do not use the Websites to knowingly solicit Nonpublic Personal Information from or market to children under the age of thirteen (13) without parental consent. We request that such individuals do not provide Nonpublic Personal Information through the Websites. If a parent or guardian becomes aware that his or her child has provided us with Nonpublic Personal Information without their consent, he or she should promptly contact us and we will delete such information from our files.

Cross-Border Transfer

The Websites are controlled and operated by Peoples Bank from the United States, and are not intended to subject Peoples Bank to the laws or jurisdiction of any state, country or territory other than that of the United States. We may store and process your Anonymous Information and Nonpublic Personal Information in any country where we have facilities or in which we engage Service Providers, and, by using the Websites, you consent to the transfer of such information to countries outside of your country of residence, including the United States, which may have different data protection rules than those of your country.

Changes to this Notice

From time to time, we may make changes to this Notice in order to accommodate new technologies, platforms, industry practices, regulatory requirements or for other purposes. We encourage you to review this Notice periodically to ensure that you understand how we collect, use and share information through the Websites. If we do make changes to this Notice, we will also update the “Effective Date” posted at the bottom of this Notice.

Any changes to this Notice will become effective when the revised Notice is posted on the Website. By continuing to use the Website following such changes, you are agreeing to accept the terms of the revised Notice.

Mobile Application Privacy

Information Collected

The mobile application requests access to information stored on your device such as location, camera, contacts, images, or other features you are enrolled in to enrich and simplify your own user experience and improve our services, as well as provide additional security to protect your account.

It is important for you to understand that:

  • Before granting access to this information, you will be prompted to give the application that permission.
  • If you do not wish to grant that permission, you may decline.
  • If you later change your mind, those permissions can be updated in your device's settings.

Some examples of information your app will request access to are:

  • Location - Your location is used to prevent fraudulent activity and to display locations near you.
  • Contacts/Contact List - Allowing access lets you add contacts to use with features that allow you to send money via your mobile app. We will only add the contacts you choose, and that information will not be shared.
  • Camera/Images - This app uses your camera to capture check images, take pictures of receipts, scan ID, scan authorized QR codes and to conduct video chat.

How Information is Protected

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.

The application information is retained in accordance with state and federal record retention laws. Please contact us to determine specific timeframes for your personal stored information and if that information may be deleted.

Contact Us

If you have any questions or comments about this Notice or our privacy practices generally, we encourage you to contact us at 828-466-1765 or toll-free 877-802-1212 or email