Help / FAQ

You will find answers to common questions below. However, if you cannot find an answer, you may contact us by sending general questions via email to and loan related questions to Please note that email is not a secure form of communication - do not send account numbers, account information, personal information, user names, or passwords through email.

Q: What should I do if I forget my Internet banking password?
A: Go to the "Log In" area and enter the same "User ID" you initially set up. Instead of entering a password, click on the "Forget Your Password?" link. Two security questions you chose when you initially set your password will pop up for you to answer. After these questions are answered correctly, you will be asked to reset your password. If you are still having problems logging in, please contact the bank for further assistance.

Q: What if I suspect bank fraud or fraudulent activity in my online banking account?
A: Our 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, contact us immediately for assistance. Also, see online banking fraud

Q: What are my daily Philo Exchange Bank Debit Card limits?
A: You have a daily limit of $300 in cash withdrawals and a daily limit of $1100 in purchases AND cash on your Philo Exchange Debit Card.

Q: What should I do if my Philo Exchange Bank Debit Card gets lost or stolen?
A: Contact one of our four bank locations immediately. If it is after bank operating hours, please call the Card Services hotline (800) 472-3272. You will be asked to provide your name and social security number, or the number that appears on your debit card.

Q: Does the bank have my PIN number if I forget it?
A: No, the bank does not know your PIN. If you have forgotten your PIN, you may contact any one of our four locations and we will be able to get you a different PIN of your choosing.  Please know that you may be asked to stop in to pick up the information for security purposes.

Q: Can I use my Philo Exchange Bank debit card to reserve a hotel room or plane tickets? A: You can, however, it is not recommended. If you use your Philo Exchange Debit Card to reserve a room or reservation, please be advised that the amount you authorize will decrease your daily spending limit total for your card.