Features

Debit Cards

Call anytime – 24 hours a day, 7 days a week.

Simply call (336) 725-7053 or (866) 738-3525, enter your PIN and your account number(s), and you’re on your way.

Transfer funds between accounts.
Make loan payments from your savings or checking accounts.
Review your savings or checking account balances.
Get savings and CD rates.
Obtain information on loan rates.
Review previous 5 transactions.
Review previous 5 deposits.
Review previous 5 withdrawals.
Check overdraft account balance.
Check available credit on Home Equity line.

In order to use Telebanking, fill out the application at one of our convenient locations.

Mistakes happen but we have solutions to help you avoid them. We offer several ways to safeguard you from overdrafts, bounced checks and declined card transactions.

Secure your account with overdraft protection through automatic transfers from another Piedmont Federal account.
Our Fixed-Rate Personal Reserve ¹ account offers a competitive fixed rate ² and provides peace of mind knowing you are covered when using your debit card or writing checks.

Want to avoid overdrafts? Utilize these services to help keep track of expenses and balances.

Bank on the go and check your balance in advance or after making purchases.
Transfer funds from your other Piedmont Federal accounts.
Set up alerts for debit cards transactions through CardValet.
Set up email or text alerts from Online Banking.
Record your transactions – Online Banking allows you to record transactions that have not yet cleared. Don’t forget your recurring payments!
Check your available balance anytime with Mobile, Online Banking, or Telebanking.

¹ Subject to credit approval.
² Rates subject to change without notice.

The uChoose Rewards Program is an easy way to earn rewards by using your Piedmont Federal Debit Card for all your purchases.

You Buy: Use your card at retailers, gas stations, grocery stores, for online purchases, anywhere your card is accepted!
You Earn: For every transaction, you’ll earn 1 point for every $2 you spend using your debit card; then sit back and watch your points add up!

For extra points, activate special offers from participating retailers on the uChoose Rewards website, some of them local!

You Choose: Redeem your points for merchandise, travel, gift cards and more! There are many great options depending on your personal preferences.
Get Started/Redeem: If you have a Piedmont Federal Debit Card, all you need to do is click here to register your card.
Don’t have a Piedmont Federal Debit Card? If you currently have a checking account with us, please stop by any branch location for a debit card application.

uChoose Rewards is a trademark of Fiserv, Inc. or its affiliates.

Piedmont Federal offers 24-hour access to your accounts straight from your mobile devices. Free, secure, and easy to use.

View current account balances for all of your deposit and loan accounts.
Review recent transaction history for your accounts.
Online Bill Pay
Mobile Check Deposits
Transfer funds between eligible Piedmont Federal accounts and your accounts at other Institutions.
Locate the nearest Piedmont Federal branch.
Send money to virtually anyone using their email address or mobile number.

iPhone and iPad are registered trademarks of Apple Inc.

Android is a trademark of Google Inc.

Protect and manage your credit with credit scores, credit reports and more while banking online.

Access your credit score, daily.
View personalized tips for maintaining and improving credit scores.
Take care of credit disputes.
Download your credit report.
View other Piedmont Federal products that can benefit you.
Sign up for FREE credit monitoring.
Access Money Blog.

To access Credit Sense, sign in to your online banking account.

Paper is out. Our planet is in.

eStatements are a feature of Piedmont Federal’s Online Banking service that provides you 24-hour access to view your statements. eStatements are available for the following account types: Checking, Statement Savings, Money Market, Mortgages and Prime Equity Lines.

Benefits

eStatements are free.
Available earlier than mailed statement.
Receive a convenient email each month when your statement is ready.
Print or download statements to your computer.¹

Security

Added security from lost or stolen mail.
eStatements are not attached to your email. Only you can view your statements through a secure login to Online Banking.
In addition to the security provided by Piedmont Federal and the 128 bit encryption SSL-enabled browser required to view Online Banking, your password adds another level of protection.

When you log into Online Banking, click on the Statements box on the left side of the page. Read and agree to the eStatement Agreement.²

¹eStatements are delivered as PDF files and require Adobe® Acrobat Reader to view them.

²You may disable eStatements by selecting “My Settings” then “Edit My Settings” and select “US Mail” and “Submit” for the account(s) you’d like to cancel enrollment.

Piedmont Federal’s Bill Pay is a free online service for our customers^*. It is a fast, safe, and convenient tool to help you manage your bills. Payments can be sent to any business or person. You are in control of when payments are sent and you choose the date and amount of payments. If you prefer, you can set up recurring payments.

What you can do

Easily set up payees (billers) in one location.
Schedule payments quickly and easily once, occasionally, or regularly.
Use Zelle^® send money to nearly anyone via their email or mobile phone.
See a summary of your recent and pending payments.
Set up alerts.
Receive eBills from many companies. These are electronic versions of your bills delivered directly to the bill pay system.
Review your bills and payments for the past 24 months.

To be a Piedmont Federal bill pay user, you will need to have an eligible checking account and enroll in Online Banking.

* Once signed into Online Banking and you click Payments > Bill Payments, you will be automatically enrolled in Bill Pay services.

Zelle is a simple way to send money to family, friends and people you know and trust - included in your online and mobile banking experience.

Fast: Send money directly from your account to theirs, typically in minutes.¹
Safe: Send and receive money right from your online or mobile bank account.
Easy: Send money to almost anyone you know² using an email address or U.S. mobile phone number.

Available on the Piedmont Federal Mobile App

View Payment Services Terms of Service

View Payment Services Privacy Policy

¹ Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle.

² Must have a bank account in the U.S. to use Zelle.

Piedmont Federal’s online banking offers the convenience of 24-hour financial services from anywhere in the world.

Open an account online in minutes.
View up-to-the minute account balance and transaction information for deposit and loan accounts.
Transfer funds immediately or schedule one-time and recurring automatic transfers.
Access Online Bill Pay.
Make loan payments.
Select and manage eStatements.
View check images.
Create and schedule alerts for specific events, such as when an account balance reaches a certain amount.
Order checks.

Enroll

Move your money to where you need it when you need it.

Between your Piedmont Federal accounts:

Set up One Time or Recurring transfers.
Funds are available immediately once a transfer has been posted to your account (initiated before the cutoff time).
Transfer money on your mobile device.

1. Sign into Online Banking.
2. Click Transfer Funds tab.

Between Piedmont Federal and other institutions:

Transfers into your Piedmont Federal checking account from other financial institutions are free.¹
Transfers from your Piedmont Federal checking account to other financial institutions are only $2.00 per transfer.
Transfer money on your mobile device.

1. Sign into Online Banking.
2. Select Transfer to an account outside this financial institution.²

Between you and others with Zelle^®

Send money to individuals and receive and request money from others in the U.S. using an email address, mobile number or U.S. bank account information.³

Simple and secure way to send and receive money without having to share private account information.
You can use Zelle regardless of where payees or payers bank.

1. Sign into Online Banking.
2. Click Transfer Funds tab.
3. Select Send money with Zelle.²

¹Please note you may be charged a fee to transfer from the external account; please check with your other financial institution.

² You must be enrolled in Piedmont Federal Bill Pay service to use this option.

³ There are fees associated with transfers through Zelle. Please refer to our fee schedule.

Save time and a trip to the bank with Piedmont Federal Mobile Deposit! Simply use your smartphone’s camera to snap a picture of the front and back of your check, then submit the images electronically into the Piedmont Federal Mobile App.

What is required:

Piedmont Federal checking, savings or money market account.
Enrollment in Online Banking.
Download the Piedmont Federal Mobile App.

How it works:

1. Log in to the Piedmont Federal Mobile App.
2. Select “Deposit Check” from the menu.
3. Select the account to receive the deposit and enter the amount of the check.
4. Endorse the back of the check with your signature, “Mobile Deposit Only” and the last four digits of your account number.
5. Take photo against a background with a strong contrast between the check and the surrounding area.
6. Both the front and the back of each check must be transmitted to the Bank.
7. Submit check.

Deposit Limits and Cut off Times:

Send money to individuals and receive and request money from others in the U.S. using an email address, mobile number or U.S. bank account information.³

$5,000 daily deposit limit per user ¹
Our current cut-off hour for Mobile Deposits is 3:00 p.m. Eastern Standard Time. ²

Terms & Conditions

¹ Piedmont Federal reserves the right to establish and assign deposit limits for the mobile deposit service and to modify such limits from time to time in the Bank’s sole discretion.

² Deposits received on a business day prior to 3:00 p.m. EST will generally be available in two business days. Longer delays may apply, as specified in the applicable terms and conditions of your account.

Stay informed and secure with Notifi. Choose which alerts you want to receive on your accounts and how you prefer to receive them. Whether you select email or text on your mobile device, tablet or computer, Notifi communicates your account activity so you can track what’s happening right away.

Alert preferences:

Address changes.
Account balances below the threshold you set.
Checks and debit transactions posted to your account.
Fees charged to your account.
Schedule loan payment due dates.
Certificates of Deposit that are approaching maturity.

Set up Notify:

1. Log in to the Piedmont Federal Mobile App.
2. Select “Alerts” from the menu.
3. Select "Add an Alert" and Category.

¹ Piedmont Federal reserves the right to establish and assign deposit limits for the mobile deposit service and to modify such limits from time to time in the Bank’s sole discretion.

Use your Piedmont Federal Debit Card for a fast and easy way to make all your everyday purchases in stores, online, or by phone and access virtually any ATM in the world. Use it at restaurants, to pay for groceries, vacations and anywhere you travel.

Features & Benefits

Easy to Use – the purchase amount is automatically deducted from your checking account.
Each transaction appears on your monthly checking account statement, including date, location and amount.
Extra Safety – it’s safer than carrying cash and easier than carrying a checkbook. If your card is lost or stolen, you aren’t liable for unauthorized purchases.
Fraud Protection – Piedmont Federal utilizes fraud protection programs to safe-guard your debit card. If suspicious transactions are detected, a fraud specialist will contact you to verify the authenticity of the suspicious transaction.
Extra Convenience – accepted more readily than a personal check and because it’s a MasterCard product, you can use it wherever MasterCard is accepted.
Quick Cash – use your card to get cash at the ATM or just ask for cash back when paying with your debit card at many merchants.
Enjoy completely free transactions from any ATM in the world – Piedmont Federal reimburses the cost of these service fees.
Make$ents – save more every day, just by using your debit card.
CardValet^® – the mobile app that lets you control debit card usage and spending on the go.
Mastercard Automatic Billing Updater – works with participating merchants to automatically update cardholder information and allow automatic payments to continue without interruption when you get a replacement debit card with a new number.

View Mastercard Automatic Billing Updater FAQs (PDF)

Say goodbye to ATM fees when you bank with Piedmont Federal. Any ATM, anywhere in the world.

Free with your Statement Savings Account.¹

Features & Benefits

Quick cash – use your card to get cash at any ATM when you need it, where you need it.
Enjoy completely free transactions from any ATM in the world – Piedmont Federal reimburses the cost of these service fees.
Each transaction appears on your savings account statement.
Security – you choose your own PIN (Personal Identification Number) at time of card activation.

¹ Not available for Start or Go accounts.

Now you can enjoy the convenience of a digital wallet using your Piedmont Federal Debit Card on your mobile device.

How do I add my card to Apple Pay on my iPhone?

1. In the Wallet App, tap the Add button.
2. Tap Debit or Credit Card.
3. Tap continue.
4. Follow the steps on the screen to add a new card.
5. Verify your information with your bank or card issuer.
6. If you have a paired Apple Watch, you have the option to also add the card to your watch.

How do I add my card to Samsung Pay on my Samsung Phone?

1. Navigate to and open Samsung Pay on your phone.
2. Tap Menu (the three horizontal lines) in the top left corner, and then tap Cards.
3. Next, tap Add card; it looks like a credit card with a plus sign next to it.
4. Follow the instructions to register your card.

Looking for that perfect gift?
The Piedmont Federal VISA Gift Card is perfect for everyone on your list and for every occasion!

Features and Benefits:

Piedmont Federal customers can purchase gift cards at any bank location.
The VISA Gift Card is accepted by any U.S. Visa merchant.
Please refer to the Gift Card’s Terms and Conditions for additional details.
Gift cards can be purchased in dollar amounts ranging from $10 to $1000.
Safer than cash. Registered cards can be replaced if lost or stolen.

Your Card. Your Control.
Get the mobile app that lets you control debit card usage and spending on the go! With CardValet, you can control your spending and protect yourself against fraud, all through a simple app on your phone!
‍
Free with your Piedmont Federal Business Debit Card.

Features and Benefits:

Turn your Debit Card on and off. With CardValet, you now have the ability to turn “off” your debit card the moment you realize your card is lost or stolen. When your card is “off”, no withdrawals or purchases will be approved. When you find your card, simply turn your card back “on”.
Establish transaction controls for dollar amount limits, merchant categories and geographic locations¹. Transaction controls that allow your debit card to work only in specific locations or geographic areas add another layer of protection.
Receive alerts when your debit card is used, approved or exceeds the transaction controls set by you. Stay informed of potential fraud with alerts on attempted, declined transactions.
Get real-time balances for your accounts.

CardValet is a trademark of Fiserv, Inc. or its affiliates.
¹Location policies only cover In Store transactions. Your phone’s location tracking must be enabled to take effect.

The Fast, Secure and Free Way to Switch Your Recurring Payments & Direct Deposits!
‍
Switching your direct deposts and recurring payments to Piedmont Federal Bank doesn’t need to be a hassle. We’ve made it easier than ever with ClickSWITCH.

In just a few minutes, switch all of your direct deposits and recurring payments to your new or existing account at Piedmont Federal Bank. This eliminates the hassle of having to contact each business and helps to ensure that you don’t miss a payment during your account transition.

How It Works

1. Login to the free online solution
To get started, call (336) 770-1000 or stop in to any branch today to receive your activation code. Login to ClickSWITCH and in a few simple clicks, you’ll activate this secure online solution.

2. Switch your direct deposits and recurring payments
Use your old account to automatically find and move all recurring transactions.

3. Get notifications as it works for you
The solution does most of the work for you and you will receive real-time updates.

Why use ClickSWITCH?

Change financial institutions without the hassle.
Securely switch direct deposits and recurring payments in just a few minutes.
No need to track down payments or fill out paperwork.
Just a few clicks will save hours of time.
Track switches and receive real-time notifications.
Initiate the closure of your previous account.

Learn More (PDF)

Already have an activation code?

Access ClickSWITCH

Choosing the right credit card is easier than ever. Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you!

No matter which card you choose, you'll enjoy important features like:

Convenient and flexible purchasing power.
Mobile Purchasing capability.
Zero Fraud Liability.^*
Cardmember Service 24/7 - 365 days per year.

Consumer Cards Business Cards

Already have an account? Login

* Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

At Piedmont Federal, saving money is a team effort.
‍
Many banks round up debit card purchases to the nearest dollar to help you save, but we’re the only one that also matches 15% of the round-up amount. ¹Save a little bit every day just by using your debit card. Simply add Make$ents to your checking account at signup, then swipe your debit card and watch your savings account grow even faster! Current clients can have this feature added with a quick call or visit to your local branch.

Free with your Piedmont Federal Debit Card. Each time you use your debit card for your purchases, the transaction is rounded up to the next nearest dollar. At the end of the day the total amount from all of your transactions is automatically transferred to either your statement savings or youth savings account. We'll then add the 15% Make$ents match to your savings account each month.

That's a smarter way to save.

To get started, you will need:

Piedmont Federal Checking Account ²
Piedmont Federal Debit Card tied to your checking account
Piedmont Federal Savings Account ³
Visit one of our locations to sign up.

Visit a Location

Here’s how it works:

Purchase	Spent	Round Up	15% Match
January	$1740	$24.14	$3.62
February	$2074	$33.57	$5.04
March	$3816	$49.08	$7.36
Total:		$104.79	$16.02
Savings:			$120.81

¹ Other standard account terms, conditions and fee schedule still apply. Terms of the program are subject to change without notice. Matching amount is taxable. $300 maximum match per year.

² Personal accounts only. Business accounts are not eligible.

³ Choose from Statement Savings, Start Savings or Go Savings accounts.

What’s important to you is safe with us!
‍
Safe deposit boxes provide a safe place to store valuable documents and other items for added security away from your home. Piedmont Federal offers boxes in various sizes and the rental fees are based on the size of the box.^1

‍Boxes are available at our Clemmons, Hanes Mill, Kernersville, High Point, Peace Haven, Southpark and Stratford locations. Safe deposit box rental is subject to availability. To see if a box is available, contact us.

Safe Deposit Box Annual Fees ²

3 x 5

$40.00

3 x 10

$50.00

5 x 10

$80.00

10 x 10

$120.00

Drilling

$200.00

Key Replacement

$50.00

Boxes are accessible during business hours.

No insurance of any kind is provided by Piedmont Federal or the FDIC to cover safe deposit box contents. Consult an outside insurance company to discuss purchasing insurance coverage.

¹ Must have a Piedmont Federal checking or savings account and annual fee automatically deducted.

² Fees are payable annually on March 1.

When an employer partners with Bank@Work, their employees can take advantage of bank benefits that build strong financial futures.

Employer Benefits:

A great addition to both your employee benefits and wellness programs with savings and perks on banking services.
In-person and online curriculum to better position your employees to achieve financial success.
Bank@Work is provided at no cost to you and is free of administrative burdens.

Employee Benefits:

Personal checking accounts that fit your needs.
Finance your dreams with a variety of loan options to fit your needs.
Certificates, Money Markets, and IRAs.

On-site education seminars and online webinars.
Personal financial check up days.
Money management services and reduced financial stress.

Bank@Work's educational tools can be customized to fit your employees' needs. Perks include financial seminars and personal check ups delivered in-person or remotely to ensure all employees have the opportunity to successfully manage their finances.

Employees benefit from competitive rates, free checking accounts, discounted fees, online banking and much more. While we are located in North Carolina, if you have employees who work off-site or in neighboring states, they can also become a customer and enjoy all of the same benefits.

To learn more or sign up for this incredible benefit, please contact:

Eric Hermanson

Bank @ Work

Email (336) 770-1127

‍Empowering the Modern Workforce with Free Financial Resources
‍
At Piedmont Federal Bank, we’re always looking for ways to open doors for our community. With our updated Smart Money program, we’re providing local businesses like yours with a wealth of valuable financial tools for employees at no charge. These resources help employees manage their money more effectively, which can enhance job performance and contribute to talent retention. Learn more about the program offerings and how a Smart Money business partnership with Piedmont Federal can benefit you and your entire team.

Features

Workshops & Webinars: From budgeting basics to advanced planning, we provide in-person workshops and remote webinars with tailored sessions to meet your team’s needs.
Online Tools: Topical modules from our friends at Banzai such as home ownership, credit building, and starting a business. These allow employees to learn at their own time and pace.
One-on-One Coaching: Personalized support with our financial coaches. Our experts are here to help with everything from retirement planning to managing debt and protecting against fraud.

Benefits for Your Business

Employee Retention: Offering financial wellness benefits can improve employee retention and attract top talent.
Enhanced Productivity: Financially secure employees are more focused and productive at work.
Corporate Social Responsibility: Position your company as one that cares about the holistic well-being of its workforce.

Benefits for Your Employees

Financial Confidence: Employees gain the knowledge and tools needed to manage their finances effectively.
Reduced Stress: Lower financial stress leads to increased productivity and job satisfaction.
Personal Growth: Employees can make informed decisions about major life events like buying a home or starting a business.

Let's Get Started
We customize our program to fit your business and your employees’ specific needs. Let us know your preferences and we’ll set up a plan that works for you!

Please contact:

Eric Hermanson

Bank @ Work

Email (336) 770-1127

Convenient, easy and secure ways to transfer your money.

Piedmont Federal offers your business convenient, easy and secure ways to transfer your money. You can manage your accounts, perform transactions that would otherwise have to be processed at a branch, including domestic wire transfers, ACH transfers and check deposits.

Features and Benefits:

Transfer Funds – Move money between your Piedmont Federal Business accounts from your computer or mobile device with one-time or recurring transfers.
Bill Pay – Payments can be sent to any business or person.
ACH Online – Make ACH payments to multiple recipients. Pay or receive funds from individuals, vendors or suppliers.
Wire Transfer – Transfer funds domestically for same day availability of funds.
Remote Deposit Capture – Electronically scan your checks and securely transmit deposit data for posting to your accounts.
Positive Pay/Account Reconciliation – Enjoy peace of mind with fraud protection for checks and ACH.
Wire Transfer – Transfer funds domestically for same day availability of funds.
Sweep Accounts – Move money between Piedmont Federal checking, investment and line of credit accounts automatically.

Business Remote Deposit Capture

Piedmont Federal offers your business the convenience and cost savings of making check deposits from your office or store, on your own time and terms, rather than only when the branch doors are open.

Scan multiple checks and transmit check images and data directly to Piedmont Federal.
The only equipment needed is an internet-ready computer and a scanner that can be provided by the bank.

Positive Pay/Account Reconciliation

Offers fraud protection for checks issued and ACH transactions, along with ability to upload account transaction data into your accounting software. Submit your file to the bank, and let the system do its work when an item doesn’t match.

Sweep Accounts

Want your excess balances to work harder for you? Automatically “sweep” leftover balances after daily processing into a bank deposit account for a better return, and/or into a business line of credit to help reduce interest costs.

Track Spending, Unlock Insights. Introducing ReceipTrak: our new solution to track your physical and digital receipts.

To get started, simply log into online banking and click on Service Center and open ReceipTrak. You will be prompted to register with a receipt email address specifically designed for you. After that, you can snap a photo or download your receipt.

You can create folders for different categories to capture details of the receipt, including expense type. You will be able to upload receipts via your photo library, saved file or you can take a picture directly from your mobile or tablet device.

Whether you want to track your personal spending, or utilize expense management for your business, ReceipTrak will keep you organized!

Merchant point-of-sale services for our business customers.

Piedmont Federal’s partner, Atlantic Merchant Services, specializes in bringing the latest technology through multiple processors to businesses and non-profits of all types. They provide the highest level of personal service, which helps you select the best solution at the lowest possible cost.

With Atlantic Merchant Services you can expect the best options for you with:

Products
Connectivity
Pricing
Merchant Support

Visit a Location Learn More (PDF)