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Check out these frequently asked questions to learn more about us, our products and services. If you still need help, please contact us!

Peoples State Bank

Is there a cutoff time for transactions?

In-branch transactions must be completed by 5:00 p.m. or before the branch closes 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. To post on the same day, online transfers must be completed by 5:00 p.m., mobile check deposits by 3:00 p.m. and merchant-capture check deposits by 3:00 p.m.

What is the bank’s routing number?

Peoples State Bank's routing number is 075908658.

Also referred to as an ABA routing number or a routing transit number (RTN), 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.

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.

How do I transfer funds between accounts?

Transfers between accounts can be done through:

What does “FDIC Insured” mean?

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.

What are the bank’s hours?

This varies by branch. See all locations.

Checking & Savings

What will I need to open a checking or savings account?

You will need two forms of ID to open an account. Some accounts require a minimum opening deposit. Learn more: CheckingSavings

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.

Can I view checks online?

Yes! You can view checks online with Online Banking or in our Mobile Banking app.

Can I deposit checks into my account using my phone?

Yes! We have mobile check deposit in our mobile app. See our Mobile Banking FAQ below for more info.


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. You will either need to call on the maturity date or stop in at any one of our locations to reinvest or cash.

Retirement Accounts

What is an IRA?

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

What’s the difference between 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 70½ 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 59½, 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 59½, you may withdraw the funds penalty-free.

Online Banking

How do I enroll in Online Banking?

If you already have an account with us, please visit Online Banking to enroll. 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 to be updated. See what browsers are supported here. Still not working? Contact us at 800-280-1074.

How secure is Online Banking?

Very secure. We use multiple layers of security to protect your information, including:

  • Password protection
  • Internet firewalls
  • 128-bit encryption
  • Multifactor authentication during each login

How can I reset my password?

There is a password reset link that can be used to reset personal accounts, though it cannot be used to reset business accounts. Give us a call at 800-280-1074.

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. Still not working? Give us a call at 800-280-1074.

How do I reset my Debit Card Pin? 

Use the PSB Mobile App to Reset your Pin; 

Click on the cards tab within the mobile banking app

Scroll to the bottom and select Set PIN

It will require a security code to be sent to a phone number or email that is already on file. Select Next

Enter the security token. Select Next

Enter the PIN and Confirm the PIN

Click Submit

You will receive Conformation 

Click View Card Details at the bottom when done and it will take you back to the My Cards section


Mobile Banking

How do I get the Mobile Banking app?

Search for “Peoples State Bank Prairie du Chien” in the Apple App Store or on Google Play and download it to your mobile device.

Launch the app and log in with the same user ID and password you use for Online Banking.

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. (The camera should automatically focus). Fill in the requested info and complete the on-screen steps.

What is the cutoff time for mobile check deposits?

Funds deposited before 3:00 p.m. 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 six months prior
  • Checks that have previously been returned stop payment or account closed

What security measures are in place?

Mobile Banking via our app or a browser is secure.

  • A password is required each time you log in.
  • Mobile Banking uses the same multiple layers of security as Online Banking.

Depending on your device’s capabilities, you can sign on with a regular password or set up fingerprint or face recognition.

If you lose your device, you can deactivate it by following these steps:

  • Log in to Online Banking and access Mobile Banking preferences.
  • Locate the phone number and select the option “Stop using this device for Mobile Banking.”
  • Or call us at 800-281-0214.

Debit Cards

What is the daily limit for cards?

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

What is the ATM withdrawal limit?

$500 per day.

Can I select my own PIN or change my PIN?

Use the PSB Mobile App to Reset your Pin; 

  • Click on the cards tab within the mobile banking app
  • Scroll to the bottom and select Set PIN
  • It will require a security code to be sent to a phone number or email that is already on file. Select Next
  • Enter the security token. Select Next
  • Enter the PIN and Confirm the PIN
  • Click Submit
  • You will receive Conformation 
  • Click View Card Details at the bottom when done and it will take you back to the My Cards section


You can change your pin number at any time by calling 800-992-3808.


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?

Typically, replacement cards are received within 7-10 business days.

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

Call us immediately at 800-280-1074. If it’s after-hours, call 800-472-3272.

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 12/26, your card is valid until December 31, 2026. You will receive a new card before that date.


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 about 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 an 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?

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 criterion 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 second criterion 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 third main criterion is the amount of the loan in relation to the value of the collateral being proposed for the loan. The lower the amount of the 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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