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The following terms and conditions apply to your access and use of the Internet website of PBI Bank. Please take a moment to read these terms and conditions carefully. By accessing any page of PBI Bank's website, you agree to be bound by these terms and conditions. The term "Bank," or "PBI Bank," as used in these Terms and Conditions refers to PBI Bank, Inc.

  • Copyright and Use of Materials
  • Trademark
  • Disclaimer of Warrants and Liabilities
  • Submissions
  • Communications
  • Partners
  • Entire Agreement
  • Jurisdiction
  • Governing Law


The information and materials on this website are protected under United States copyright law, as well as under worldwide copyright law and treaty provisions. You may download a copy of any materials on this website for personal, non-commercial use, provided that you do not delete or change any copyright or trademark notice. You must obtain the permission of PBI Bank to make any other use of these materials. In no case may you create any kind of hyperlink to this site without the prior written consent of PBI Bank.


"PBI Bank" is a service mark of the Bank under the laws of the Commonwealth of Kentucky. A federal trademark is pending.


The information, materials and functions contained within the Bank's website, including all text, graphics, links and other items, are provided on an "AS IS" BASIS without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or freedom from computer virus. The Bank does not warrant that the functions provided will be uninterrupted or error-free, nor does it warrant the adequacy, accuracy or completeness of the information and materials included on the Bank's website, or on third party websites that are linked (with permission) to or from the PBI Bank website. The Bank expressly disclaims any liability for all errors in or omissions from information, materials and functions included in PBI Bank's website, or any third party websites linked (with permission) to or from the PBI Bank website. In no event will the Bank be liable for any direct or indirect, special, incidental, consequential or punitive damages, lost profits or lost savings, arising in connection with your use of the PBI Bank website (or any third party website linked (with permission) to or from the Bank's site), including any technical, hardware or software failure of any kind, any interruption in availability of the PBI Bank website, delay in operation or transmission, incomplete or garbled transmission, computer virus, loss of data, or otherwise, even if the Bank has been advised of the possibility of such damages or loss.


Information submitted to the Bank through the PBI Bank website or any third party website that is linked, with permission, to or from the Bank website, will become and remain the property of PBI Bank. The Bank will be free to use, for any purpose, any ideas, concepts, or techniques contained in information provided to the Bank through its website. The Bank will not be subject to any obligations of confidentiality regarding submitted information, except as agreed in connection with the formation of a direct customer relationship with the Bank (see About PBI; Security and Privacy) or as otherwise specifically agreed to or required by law. Due to the developing nature of the technology involved, you should rely on the Bank's acknowledgment of information and requests received, and not merely on your electronic delivery of the information or request.


Your communications with the Bank through our website are governed by the following:

  • You must not include any obscene, libelous or defamatory content in your communications.
  • You must indemnify and hold the Bank harmless from any and all damages, losses and liabilities arising from your communications with us through our website.
  • You acknowledge that from time to time, some of those communications may be shared with PBI Bank affiliates and partners. (See About PBI; Security and Privacy).


To better serve you, we have entered into contractual agreements with several companies that will be providing you with certain services that are identified on the Bank's website. We have chosen these companies after careful consideration and refer to them on our website as "Partners." To the extent that you avail yourself of these services, you agree that the Bank is not providing such services, and that any claim you might have regarding the services must be directed to and satisfied by the company providing the service and not the Bank. Although we refer to the referenced companies as our "Partners," you should be aware that our relationship with these companies is contractual only, and there is no legal partnership in place between or among us. Investments are not bank deposits and are not insured by the FDIC or any other entity, and as such are subject to risks, including possible loss of the principal amount invested.


This Agreement, together with all disclosures (see About PBI) and loan, account, or other written customer agreements, constitutes the entire agreement between you and the Bank with respect to the included subject matter and supersedes any prior or contemporaneous agreements (whether written or oral).


PBI Bank operates and controls its website from its offices in the Commonwealth of Kentucky, United States of America and, therefore, in relation to its website, the Bank complies with both Kentucky and federal law. If you are located outside of Kentucky, your state may impose rules and regulations on banks that would not apply to PBI Bank, or to your use of the Bank's website. If you choose to access our website from other locations, you do so on your own initiative and assume any risk relating to variations in state law. In addition, you are responsible for compliance with your state's laws, applicable local laws and regulations.


Your access to and use of our website and the terms and conditions of the website are governed by and interpreted in accordance with the laws of the Commonwealth of Kentucky, without regard to principles of conflicts of laws. If any part of these terms and conditions is unlawful, void or unenforceable, that part will be deemed severable and will not affect the validity and enforceability of the remaining provisions.

For answers to any questions, please visit our Customer Service Center.

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