Buying a home is one of the most significant financial decisions you'll ever make. Whether you're a first-time homebuyer or a seasoned investor, navigating the real estate market can be challenging. One crucial step in the home-buying process is getting pre-qualified for a mortgage. Here’s why you should consider this step before you start house hunting:
At Peoples Bank of Alabama, we understand the importance of helping our community’s youth build a strong financial foundation so that they better understand basic concepts like budgeting, simple interest, and establishing and maintaining good credit.
Elder financial abuse robs older Americans of billions of dollars in money, property and other assets every year. As those safeguarding their customers’ finances, community bankers are key watchdogs for monitoring and preventing this abuse.
Buying a home is an exciting yet complex journey, and understanding the different types of mortgages can greatly simplify the process. At Peoples Bank of Alabama, we prioritize helping you find the perfect loan for your dream home.
It is rare to find a bank driven by a love for small towns as well as the big city and a desire to serve their citizens. Perhaps that’s why Peoples Bank of Alabama (PBAL) is the logical choice for local banking and lending.
One of the newest ways to make an in-store purchase is with a contactless debit or credit card. What is a contactless card? Is it safe to use? Where can you use them? Keep reading to get answers to these questions and more.
Peoples Bank of Alabama is proud to announce its inclusion in the sixth annual ranking of the Forbes 2023 America’s Best Banks in Each State list released June 20, 2023.
The financial industry has taken a hit as we’ve entered 2023 with two large bank failures, Silicon Valley Bank (CA) and Signature Bank (NY). In stark contrast, banks like Peoples Bank of Alabama bank people we know in communities where we are invested.
The Independent Community Bankers of America (ICBA) has recently launched a new national public awareness campaign sharing the benefits of banking locally with community banks like Peoples Bank of Alabama. Learn more about this exciting new campaign.
As the year winds down, December is always full of activity around Peoples Bank of Alabama. Keep reading to hear about a few of our favorite things that happen in December!
As we enter the 2022 season of giving, Peoples Bank of Alabama is excited to offer our Purchase with a Purpose opportunity for the third consecutive year in a row. For every purchase made with a Peoples Bank of Alabama Discover® debit card between November 1st and November 30th, $1 will be donated to local non-profit organizations – up to $20,000.
Every day, thousands of people fall victim to fraudulent emails, texts and calls from scammers pretending to be their bank. And in this time of expanded use of online and mobile banking, the problem is only growing worse.
Peoples Bank of Alabama is once again a proud sponsor of Friday Night Rivals (FNR), a LIVE Broadcast that airs Friday Nights on WABM My 68. The games kicked off Friday night, August 26th between Hillcrest and Armwood and will air through the end of October as communities come together to cheer and support their teams!
According to ustravel.org, for the first time since the start of the pandemic, travel spending ($100 billion) was 3% above 2019 levels in April 2022. Since peak travel season is upon us, remember these best practices when it comes to your financial life.
You work hard for your money and protecting your money from loss is important. Storing large amounts of cash at home is risky. Continue reading to learn why your money is safer in a bank than it is at home.
Protecting yourself against Identity Theft is a full-time job in today’s environment. Continue reading to learn about basic precautionary steps you can take, how to detect when your information is compromised, and we’ll also tell you about a new security benefit offered to Peoples Bank of Alabama customers at no cost!
Peoples Bank of Alabama has always recognized that there’s a link between taking care of employees and taking care of customers. One does not exist without the other. Continue reading to find out one way the bank invests in their associates.
Zelle® is a fast, safe and easy way to send money directly between almost any bank or credit union account in the U.S., typically within minutes*. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank*.
Peoples Bank of Alabama would like to take this opportunity to say thank you to every veteran reading this for your service, dedication and commitment to uphold our freedom at great cost. Every one of you are the epitome of a true hero.
We are excited to celebrate our 44th birthday as a financial institution in October by offering our Purchase with a Purpose opportunity again this year. Continue reading to learn how you can participate!
Peoples Bank is excited to sponsor the Friday Night Rivals High School Football feature on My68 WABM this fall. The 2021 season kicks off on August 27th with Vestavia Hills playing Homewood.
A common challenge that all banks face is efficiently originating smaller dollar loans to satisfy customer needs without losing money due to the cost of loan origination and servicing. With that being the case, most banks find it necessary to establish a minimum loan amount and offer a credit card application for those requests that fall below the threshold.
The past year has wreaked havoc on many small businesses. Many have had to close their doors or at least find creative ways to continue providing products and services to their customers in an ever-changing environment. Peoples Bank stepped up to the challenge and helped hundreds of businesses remain open.
One of our biggest priorities is to be a trusted community bank that serves the community with understanding, accessibility, and dedication. We believe people want a bank that cares about their needs, one that offers solutions not excuses, and one that is genuinely concerned about the challenges they face and is willing to help. That’s why we are the people’s bank…
Whether you own a small family business or a large corporation, Cash Management Services can help your business succeed and grow. We will walk you through every step of the process giving you peace of mind that your business transactions are handled with integrity and precision.
Thanks to our partnership with Discover®, we are proud to offer at NO additional cost Dark Web and Credit Monitoring through Experian®. Learn more about this benefit today!
When you’re ready to move from looking at houses to owning one, Peoples Bank of Alabama has a team of experts ready to answer your questions and walk you through the process. We’re here to help you find the right product, the right terms and the right financing to fit your current needs.
When your business is growing and capital is needed, you look for a financial institution that believes in building relationships and is willing to champion your cause. Read on to learn how this business owner found what she was looking for.
Peoples Bank of Alabama is in the banking business because we believe in helping individuals and businesses with their financial well-being. Continue reading to find out how one of our longest-standing business clients feels about the financial service we provide.
Christmas 2021 could be a little easier on the budget if you begin now to save a little each month toward that goal. What will you gain? A lot less stress when the holidays roll around again! So why not pour that cup of coffee and keep reading…
Supporting our local communities is very important to us here at Peoples Bank. We are proud to have been able to give back over $15,000 to charities in the counties we serve. Learn more about our donation and the charities that received funding.
Knowledge is power and we believe in empowering you with knowledge about banking to help you better manage your business. No matter your business's life cycle you can benefit from knowing the difference between the 5 Fundamental C's and the 5 Detrimental C's of credit. In part 4 of this 5 part series, we take a closer look at Conditions vs Carelessness.
Knowledge is power and we believe in empowering you with knowledge about banking to help you better manage your business. No matter your business's life cycle you can benefit from knowing the difference between the 5 Fundamental C's and the 5 Detrimental C's of credit. In part 4 of this 5 part series, we take a closer look at Collateral vs Certainty.
Knowledge is power and we believe in empowering you with knowledge about banking to help you better manage your business. No matter your business's life cycle you can benefit from knowing the difference between the 5 Fundamental C's and the 5 Detrimental C's of credit. In part 3 of this 5 part series, we take a closer look at Capital vs Compensation.
Knowledge is power and we believe in empowering you with knowledge about banking to help you better manage your business. No matter your business's life cycle you can benefit from knowing the difference between the 5 Fundamental C's and the 5 Detrimental C's of credit. In part 2 of this 5 part series, we take a closer look at Capacity vs Caffeine.
Knowledge is power and we believe in empowering you with knowledge about banking to help you better manage your business. No matter your business's life cycle you can benefit from knowing the difference between the 5 Fundamental C's and the 5 Detrimental C's of credit. In part 1 of this 5 part series, we'll provide an overview of each and take a closer look at Character vs Camouflage.
On June 3, 2020 the Paycheck Protection Program Flexibility Act of 2020 was passed in both the House and Senate. This Act was signed by President Trump on Friday, June 5th. Read more about how the changes passed in this Act can benefit you during the forgiveness period.
Many people across the country have spent countless hours working hard to provide Paycheck Protection Program loans to millions of businesses. However, receiving loan funds is only the beginning. Documenting and applying for loan forgiveness is a critical step and in this blog, we discuss best practices you need to follow.
Ready or not, a new year is here and we want to help your business succeed. Over my 30+ year banking career, I've worked with all kinds of businesses. I've discovered that those who have a stress-free and strong banking relationship have these three things in common.
With the New Year here its time to get your finances organized! Make setting a budget and tracking your spending easier than ever with Peoples Money Manager. Here at Peoples Bank we’ve been providing easy and hassle-free banking for over 40 years. With low-cost financial solutions and cutting-edge technology it is our goal to offer products and services that make your life easier. Take a look at this overview of Peoples Money Manager, then get started on a financially heather 2020.
Cleveland Senior Living Centers needed a bank that could offer state of the art banking technology, but also provide local personal service. Enter Chris Latta and the Peoples Bank of Alabama team. Learn more about The Problem, The Process and The People on how we helped Phillip and Trina Cleveland expand their business and improve their day to day operation.
The freedoms we enjoy everyday are provided to us by the brave men and women of our armed forces. We at Peoples Bank are so grateful to everyone who answered the call to serve. Learn more about this holiday and simple ways you can make a difference.
Everyday there are nearly 300 billion emails sent worldwide. The average office worker receives 121 emails per day and these numbers continue to trend upward. All this email activity creates an environment ripe for fraud. Bad actors are working hard everyday to send emails that look legitimate, but are intended to cause you harm. This tactic is called Phishing and it's important for you to be cautious when clicking links or attachments in emails.
Buying a house is hands down one of the most important decisions you will ever make. It’s a big deal for a number of reasons — primarily because it’s a real financial commitment spanning 15, 20, even 30 years down the road. With so much invested in this decision, how do you find the right mortgage provider? What should you look for? What financing options are out there? Where do you even begin? Here are a few key factors to help in the decision-making process.
Today's banking landscape looks much different than it did in the 90's. Back then, I learned the importance of people over sales goals. As my predecessor banks grew larger and larger, the focus moved away from relationships and became more about numbers. That's why I'm thankful to be a part of the Peoples Bank of Alabama team; because here we really do care about people.
Technology is ever changing, and with Microsoft’s recent announcement to discontinue Internet Explorer support, Online Banking users will also be affected. Beginning April 7, 2020, be ready to take action… Read this blog for more information.
Making the move from employee to business owner is a big risk, and unfortunately more start ups fail than succeed. We love small businesses and want to help them thrive. Continue reading to find out the top 5 reasons small businesses fail to avoid these mistakes.
At the end of June 2019, our customer support team had received over 68,000 calls for an average of over 11,000 per month. In answering all these calls, we wanted to share the top 6 questions asked along with their answers. So read on to learn what others are asking, because you may have the same question(s) soon!
The calendar has officially reached the half way point of 2019. First, pause for a moment and reflect on how fast 6 months ticked by… if your life is anything like mine, it feels like time is ticking away faster and faster. So if you think the first half of the year has flown by, don’t you think the second half will as well? So, I have to ask, are you prepared for Christmas?
Shasta Quick NMLS #189258 | Posted on July 15, 2019
A mortgage is a big decision for you and your family. It's important to be knowledgeable about the process, because unlike a board game your decisions have much bigger consequences. Read these 5 things to know when looking for a mortgage loan to help you make the best decision.
Have you ever seen a new service or new technology and thought “That looks cool… but does it really work?” Whether you’ve been previously burned by a poor experience or just doubtful by nature, a bit of skepticism is healthy and probably wise in our ever advancing technological world.
Managing cash flow is an essential step to maximize growth and profitability in today’s business environment. Understanding the overall payables/receivables cycle will lead to lower costs, time efficiencies, increased control and fraud prevention.
One of the most vital tools that we use every day when it comes to technology is a password. Unfortunately, it's also one of the things we all hate to manage. Even with the advancements in password replacement technologies, we are still several years away from completely eliminating them. In this article, learn three qualities all passwords need to keep you and your information protected.
In my 30+ years working in banking, I've helped many business owners better understand the options available to start, grow or expand their business. In working with the Small Business Administration, we expand the lending options available to help businesses maximize cash flow. Understanding the answers to these three questions can help you and your business make the best decision for your future.
When you think of banks, you probably think of dollars and debit cards, lending and perhaps the occasional lollipop bouquet arranged at the teller’s station. At Peoples Bank of Alabama, the very core of the business is something deeper than basic bank offerings. Rather than operating as a commodity, the people of Peoples Bank of Alabama (PBAL) realize that the dollars involved in banking are the commodity—the delivery of those dollars is not.
Apple Pay and Google Pay are established and growing—but can you trust them to keep your information safe? We think so, and we have five compelling reasons why.
Need funds for an unexpected expense or a dream and want a convenient way to get them? Here, we talk about our online personal loans and our credit card program.
Want to send money quickly and easily but don’t want to go through the hassle of wiring funds, getting cash, or writing a check? Here’s the best way to send money today.
Looking to open up deposit accounts in a local bank? Here are the qualities that matter, according to the many customers we’ve served across four decades and counting.
At Peoples Bank of Alabama, we champion local banking by building strong relationships with every customer and doing our best to make your experience with us easy and hassle-free.
It’s easy to avoid large, extravagant purchases like dream vacations or the fully loaded luxury car, but small everyday spending adds up over time. If you’ve ever said, “Where did all my money go?” keep reading to learn how you can plug up the money leaks and stop the budget killers in your spending.
Sound financial habits don’t have to wait until kids are grown. The best time to start is early so that kids learn responsible banking before they go out on their own and make a bad decision that negatively impacts them for years. We are here to help you teach your teen how to save, spend responsibly and avoid overdrafts. Read on to learn some critical areas to cover when discussing banking with your teen.
Many people save and plan all their lives with the full intention of relocating for retirement. Continue reading to understand the benefits, impacts and tips for relocating in retirement.
