Each quarter our PEB uChoose Rewards members have access to activate some exclusive offers worth up to 5x the points!
Visit our uChoose Offers page for a complete list of participating retailers and details.
Category: Banking Information
Digital Wallet is Now Available!
Philo Exchange Bank debit card holders are now able to take advantage of the Digital Wallet option on their mobile devices.
This new opportunity provides you with a fast, simple way to make purchases in stores, in apps, and on the web. You will also be able to send and receive money right from your Messages app.
Pay smarter with your Wallet!
Debit Card App
Access your Philo Exchange Bank accounts from the convenience of your mobile cell phone and the security of Internet Banking with our FREE Card Valet® mobile phone app!
You can use your mobile phone to:
- Access account details
- Set alert preferences
- Review transactions
- Set control preferences
- Turn your debit card On or Off
- And much more!
Follow these steps to enroll today:
- Go to your mobile phone App Store: Search for CardValet® app (Apple Devices use iTunes Store and Android Devices use Google Play Store)
- Download and Install the CardValet® App to your phone
- Click on “New Mobile Card User”
- Enter your 16-Digit Philo Exchange Bank Debit Card Number
- Enter Additional Card Info, Security Code, Expiration Date, Billing Address, and Validate Your Identity
- Create Your User Name and Password
- Accept Terms & Conditions
- You Are Ready to Login!
- Manage Alerts & Settings after logging in
Click below for a Quick Reference Guide to CardValet®:
CardValetQuickReferenceGuide
Philo Mobile Banking
Mobile Banking allows you to access your accounts from the convenience of your cell phone with the security of Internet Banking!
With our PhiloMobile app, you can bank anywhere, anytime with the following services:
- Check account balances
- View account history
- Transfer funds
- Pay bills
- Mobile check deposit
- Make person to person payments with Zelle®
- Manage alerts
Download the PhiloMobile App to optimize your mobile banking experience!
*Message and data rates may apply. Check your mobile service provider plan for details.
Protect Yourself From Banking Fraud
The Philo Exchange Bank’s Online Banking Service has monitoring systems and other controls in place to recognize and help prevent fraud. Philo Exchange Bank will never attempt to gain your personal or account information via email, text message, or automated phone calls. If you believe you are the victim of bank fraud, please contact us immediately for assistance.
The following information is provided to help you protect yourself from cyber crime:
- Protect your computer from viruses by installing and keeping Anti-Virus Software up-to-date.
- Be sure your Operating System has up-to-date security patches.
- To avoid possible phishing attempts hover the cursor over any link prior to clicking on it. If the link has nothing to do with the actual company they claim to be, report the phishing attempt to Philo Exchange Bank.
- Never click on a link from a business requesting you provide them with personal information.
- Do not log in unless you see the correct image on the screen.
- Change your passwords often, at the minimum every six months.
- Don’t use the same ID and PIN/Password for every online account you have.
- NEVER disclose your login credentials to other people or companies.
- Store your ID and Password information in a private and safe location.
- If using a wireless network to access information, ensure that the network is secure. Accessing information over a non-secure network opens the door for criminals.
- When making online purchases, look for a “padlock” in the URL address line that indicates the site is secure.
ATM Safety Tips
Using an ATM is usually a safe and easy process. The bank uses a variety of security protocols such as video monitoring to improve ATM safety. Please be aware of your surroundings when you approach an ATM to withdraw cash. You will find more tips to help make sure your ATM transaction is as safe as possible:
Be cautious at ATMs
Avoid facilities in dark or remote places. If you see people lurking around the ATM or see anything else that makes you uncomfortable, find another ATM and report the situation to the police. Whenever possible, take another person with you.
Keep your doors locked, all passenger windows closed, and your engine running at drive up facilities. Park your car in a well-lit location as close to the ATM as possible when using a walk-up facility. Check your surroundings before getting out of the car. Never leave your car running or the keys in the ignition. Lock up and take your keys with you.
Remove your cash, receipt, and card after every transaction. If you make a withdrawal, pocket the cash immediately. Be discrete and don’t expose or count your money until you are in a safe place.
Be efficient
Have your card ready when you approach the ATM. Block the view of others by standing between the terminal and any person who is waiting, or cup your hand over the keypad as you enter your personal identification number (PIN).
Prevent debit card fraud
Memorize your PIN. Don’t tell anyone your PIN or account number and never loan anyone your card. Never write your PIN on your card or anything you carry with or near your card.
Report lost or stolen cards immediately. You can be liable for activity on your card if you do not report it as lost or stolen.
Never give your PIN over the phone. Be especially cautious about information you discuss when using cellular phones. Know whom you are talking to. Never give unsolicited callers personal information and account numbers over the phone. Police officers, law enforcement officials, and financial institution representatives should never ask you to withdraw funds from an ATM. No one has the right to ask or compel you to withdraw funds from an ATM.
Only swipe your card in the ATMs built-in card reader. Criminals can place devices on ATMs to capture card and PIN information enabling criminals to create a counterfeit card to access your account.
Take care of your card
Treat your card as if it were cash. Protect your card by not exposing the magnetic stripe to other magnetic objects that can erase your card.
Record and file the name of your card issuer and the necessary phone numbers for reporting its loss or theft.