Is there a cut-off time for transactions?

All transactions must be completed by 3pm on a business day if you want the transaction to be posted the same day. Transactions that occur on non-business days (Saturdays, Sundays, and Federal Holidays) will be posted the following business day.

What is the bank’s routing number?

Your routing number identifies where your account was opened. It can be found on the bottom of your checks. You may be asked for your checking account routing number when you're making a payment online or by phone. (also referred to as an ABA routing number or a RTN, routing transit number). Peoples State Bank's routing number is: 075908658.

How do I find my account number?

Your account number is the middle set of numbers on the bottom of your check. You can also find your account number in Online Banking. Account numbers are partially hidden in Online Banking for your security, to see full number go to the account in question and click 'More Details & Routing Numbers' and select 'Click to Reveal'.

How do I transfer funds between accounts?

Transfers between accounts can be done through:

What are the ATM withdraw limits?

$500.00 per day

What are the bank’s hours?

This varies by branch: Bagley, Bloomington, Boscobel, Dickeyville, Eastman, Fennimore, Glen Haven, Guttenberg, Harpers Ferry, Lancaster, Mt. Hope, Patch Grove, Prairie du Chien (downtown), Potosi, Prairie du Chien (Riverside Square), Seneca, Soldiers Grove, Viroqua (downtown), Viroqua (Vernon Square), and Wauzeka.

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Checking & Savings

What will I need to open a Checking or Savings account?

We will need two forms of ID and an initial deposit of $100.00 for each account.

How do I order checks?

You can order checks during the account opening by talking to your personal banker. To reorder checks, you can stop in any of our branches or reorder through Online Banking (under the 'Welcome' drop-down select 'All Services and Settings' and you will see 'Reorder Checks' under quick links as well as banking services).

Can I view checks online?

Yes! You can view checks online with Online Banking.

Can I deposit checks into my account using my phone?

Yes! See our Mobile Banking FAQ for more info.

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What is a Certificate of Deposit (CD)?

A CD is a product that pays a fixed interest rate for a set period of time. It is intended that the CD be held until maturity, at which time the money may be withdrawn together with the accrued interest.

How do I cash in my CD?

You may stop in at any of our locations to cash or reinvest your CD.  We will either issue a Cashier’s Check, deposit to an existing account, issue you cash, or reinvest.

How long do I have after maturity to cash in my CD? What happens if I’m late?

You have 10 calendar days after maturity to cash, renew, or reinvest. The CD will automatically renew at the current interest rate after the 10th calendar day that the CD matures.  After the 10th day, it would be considered an early withdrawal and a penalty applies. The (3) year Rate-Riser, however, is an exception as it is a nonrenewable CD. You will either need to call on the maturity date or stop in at any one of our locations to renew, reinvest, or cash with a (3) year Rate-Riser.

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Retirement Accounts

What is an IRA?

An IRA is an account that gives you tax advantages as you save for retirement.

What’s the difference in a Roth IRA and a Traditional IRA?

With a Roth IRA, you will be taxed on your funds now whereas with a Traditional IRA, your funds will be taxed when they are withdrawn.

Am I eligible for a Traditional IRA?

Anyone younger than age 70 ½ for the entire tax year who has compensation* is eligible to make regular contributions to a Traditional IRA.

*Compensation is the salary or wages you receive as an employee. If you are self-employed, compensation is your net income from your business. Passive income such as interest, dividends, capital gains, or rental income is not considered compensation for purposes of funding a Traditional IRA.

When can I withdraw funds from my IRA?

If you withdraw funds before the age of 59 ½, a 10% early-distribution penalty tax is imposed. There are some exceptions to this rule, so ask a professional about your specific situation. After the age of 59 ½, you may withdraw the funds penalty-free.

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Online Banking

How do I enroll in Online Banking?

If you already have an account with us, please click here to complete our online application. If you're not a current account holder, contact us to open an account today!

What if I’m getting an error message?

Check if your browser needs updated. See what browsers are supported here. Still not working? Contact us at 800-280-1074.

What security measures do you take to protect our information?

From the moment account information leaves your computer to the time it enters the Online Banking system, we take numerous steps to ensure your information is secure in cyberspace. We make sure only authorized people with secure browsers can access our system.

  • You must enter your passcode, and we must verify it before you are allowed to access your accounts.
  • Only browsers supporting the SSL security protocol can be used to log on to our system. Once online, we make sure only you can view any information about your accounts.
  • SSL uses a digital signature to make sure that no one can send you false information; your browser will only accept information from the Online Banking system.
  • SSL also uses the highest level of encryption supported by your browser to encrypt all information before it is sent. This ensures that only the browser that logged on can read any information the system supplies.

How can I reset my password?

There is a password reset link that can be used to reset Personal Accounts; cannot be used to reset Commercial accounts. Or, give us a call at 608-326-3500.

Why aren't my security questions working?

Security questions are not case sensitive; but have to be typed in exactly how they were originally entered.

Can I transfer money to accounts other than my own?

Not at this time.

Who can I pay with online bill pay?

You can pay virtually anyone you want using our Online Bill Pay service, as long as they have a valid U.S. mailing address.

How long does it take to be approved for Bill Pay?

If you are already enrolled in Online Banking, it will usually take one or two business days while we verify your account.

Who is responsible for any late fees when I use Bill Pay?

We will be responsible for any late fees as long as you schedule the payment 4 days before its due date. If you schedule the payment less than 4 days before the due date, you are responsible for any late fees.

What does ‘FDIC Insured’ mean to me?

The Federal Deposit Insurance Corporation (FDIC) is an independent agency of the United States government that protects the funds depositors place in banks and savings associations. FDIC insurance is backed by the full faith and credit of the United States government. Since the FDIC was established in 1933, no depositor has lost a penny of FDIC-insured funds.

FDIC insurance covers all deposit accounts, including:
Checking accounts
Savings accounts
Money Market deposit accounts
Certificates of Deposit

FDIC insurance does not cover other financial products and services that banks may offer, such as stocks, bonds, mutual funds, life insurance policies, safe deposit boxes or their contents, annuities or securities.

The standard insurance amount is $250,000 per depositor, per insured bank, for each account ownership category.

Learn more

How do I add my other accounts to onlinebanking?

  •  Click on dropdown arrow next to “Welcome Customer Name”
  •  Click on All Services & Settings 
  • Under All Services & Settings – Preferences:
  • Click on Add Account
  • Enter Account number
  • Enter Nickname - *Optional*
  • Click dropdown under Account type to change if not a checking account
  • **Do the above steps for each account you want to add
  • Click on Add Accounts
  • **Verify information on next screen
  • Click Submit
  • Click Done


  • From the Home Tab, Click on ANY account you currently have access to
  • Click on Add An Account in the Upper Right hand corner of screen
  • Enter Account #
  • Nickname (Optional)
  • Click dropdown arrow to choose correct account type
  • Bill Pay is optional for a checking account only
  • Click Add Account(s)
  • Submit 
  • Done

**Request is sent for approval; will not show immediately in your account access

How do I opt in for E-Statements?

  •  Click on Dropdown Arrow next to “Welcome……Customer Name” 
  • Click on All Services & Setting
  • Under All Services & Settings – Preferences; click on View Statements
  • Under Electronic Statement Deliver; click on Electronic Only Statement Delivery
  • Read/Accept Disclosure
  • Verify email address by retyping it in

**You can submit for This Account only or Submit for All Accounts

How do I view E-Statements in online banking?

  • From Home Tab; click on account you want to view statement for
  • Click Statements Link on right side of screen
  • Choose appropriate statement date using dropdown arrow if necessary
  • Click View

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Mobile Banking

How do I get the mobile banking app?

Here are instructions for installing the mobile app.

How do I deposit a check using mobile banking?

First, endorse the check with your signature, account number, and the phrase “For mobile deposit only”. Then, through your mobile banking app, take a picture of the front and back of your check (camera should automatically focus). Fill in the requested info and complete the on-screen steps.

What is the cut off time for mobile check deposits?

Funds deposited before 1pm on a banking business day (every day except Saturdays, Sundays and federal holidays) are normally available for withdrawal on the first business day after the day of the deposit.

Are there any limits to how much I can deposit?

The daily limit is $5,000. This can be increased with officer approval.

Are there limits to what checks can be deposited?

The following types of checks are not eligible for mobile check deposit:

  • Joint checks, unless it is being deposited into an account of which both parties are members
  • Checks made payable to "Cash"
  • Checks drawn on a foreign bank or payable in a foreign currency
  • Checks altered on the front of the check
  • Checks without an authorized signature, demand drafts,and remotely created checks
  • Checks dated more than 6 months prior
  • Checks that have previously been returned stop payment or account closed

What is the ‘Preview’ button?

When the ‘Preview’ button is enabled, you can see account balances without logging in.

Learn more

What security measures are in place?

Our Mobile Banking App service utilizes best practices from online banking such as HTTPS, 256-bit SSL encryption, and password access and application time-out when your phone is not in use. In addition, no account data is ever stored on your device. And in the event your device is lost or stolen, the service can be immediately disabled by either going online to the Mobile Management website or calling us. Depending on you devise capabilities, you can sign on with a regular password or set up fingerprint or face recognition.

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Debit Cards

What is the daily limit for cards?

The daily limit for point-of-sale transactions is $3,000.

Can I select my own PIN number?

Yes, after you receive your card and PIN in the mail, you will see instructions for changing your PIN.

How do I order a debit card?

Just give us a call at 800-280-1074.

How long does it take to get a debit card?

You should receive your debit card within 2 weeks of ordering.

What should I do if my card was lost or stolen?

Call us immediately at 800-280-1074. If it’s after-hours, call 800-528-2273.

What should I do if my card is about to expire?

Before your card expires, you should automatically receive a new card in the mail. Your card is valid through the month listed on the card. For example, if it expires on 12/17, your card is valid until December 31, 2017. You will receive a new card before that date.

How do I get a personalized card?

Visit on follow the on-screen instructions. There is a $10 fee.

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What information should I bring when applying for a loan?

Most loan requests begin by having the customer complete a loan application. The loan application provides the bank information on the borrower(s) such as where they live, where they work, the income they generate, the assets they own and liabilities they currently have. To help expedite the application process, a customer should bring this type of information with them when they visit on of our branches.

We also have a blank application form that can be completed before you arrange for a visit with one of our loan officers.

When will I know if I’ve been approved?

For most loan requests, our loan officers have the ability to approve the loan at the time a loan request is presented to them.

For larger loans, an officer may need to seek approval from the bank's loan committee, which meets twice a month. If a loan decision needs to be approved by someone other than the loan officer, the loan officer will provide you with a timeline of when the final decision will be made.

What determines whether I qualify for a loan?

For consumer and residential loan requests, there are three main criteria that will be used in the decision making process.

The first criteria will be the debt-to-income ratio of the borrower and the loan request. This ratio looks at the borrowers monthly liabilities in relation to their monthly income. The bank is trying to ensure the loan makes sense given the income level of the borrower.

The 2nd criteria is the credit score of the borrower. Borrowers who have a low credit score due to past credit problems may find it difficult to obtain a new loan. To check your credit history before applying for loan, you can utilize the only source for your free credit reports authorized by the Federal law here.

The 3rd main criteria is the amount of the loan in relation to the value of the collateral being proposed for the loan. The lower the amount of loan in relation to the value of the collateral, the higher likelihood the loan will be approved. Conversely, little to no money down on a loan request may result in the bank not approving the loan request.

While these three criteria are the main points a bank will look at in evaluating a loan request, they are by no means the only ones. Our loan officers will provide feedback to every loan applicant so you can understand the loan approval process.

Once I’m approved, how long does it take to close the loan?

For most consumer loan requests, once the loan has been approved, funds can be provided the same day as the loan approval.

For residential loan requests, it may take up to 45 days to obtain funding as the bank works with attorneys, title companies, appraisers and other professionals to ensure the borrower has all aspects of the house purchase covered.

Our loan officers will keep the customer informed of the progress throughout the entire process.

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bank in wisconsin IowaPeoples State Bank
Phone:  (800) 280-1074    24-hour Touch Tone Banking:  (800) 281-0214 Routing Number: 075908658
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