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Credit Monitoring

Take Charge of your Credit Score

Your credit score may impact your ability to borrow as well as the loan rates you are offered. Keeping track of where you stand is key to your financial well-being . Great benefits of the program are:

  • Access to your full credit report using online banking or PSBT Mobile 
  • Understanding more about your current credit score
  • Credit monitoring alerts
  • Simulate and learn ways to improve your score
  • Seeing ways you can save money on new and existing loans with us

*This credit monitoring program is available through our partner SavvyMoneyTM. Must be currently enrolled in PSBT Online Banking in order to use this credit monitoring service.

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View and balance your PSBT accounts safely and securely. 


Frequently Asked Questions

What is SavvyMoneyTM Credit Score and Credit Report?
SavvyMoneyTM is a comprehensive Credit Score program offered by Peoples Security Bank & Trust, that helps you stay on top of your credit. You get your latest credit score and credit report, an understanding of key factors that impact the score, and can see the most up-to-date offers that can help reduce your interest costs or lower your monthly payments. With this program, you always know where you stand with your credit and how we can help save you money.

Credit Score also monitors your credit report daily and informs you through digital banking and by email if there are any big changes detected such as: a new account being opened, change in address or employment, a delinquency has been reported or an inquiry has been made. Monitoring helps users keep an eye out for identity theft.

Credit Report provides you all the information you would find on your credit file including a list of current or previous loans, accounts and credit inquiries. You will also be able to see details on your payment history, credit utilization and public records that show up on your account. Like Credit Score, when you check your credit report, there will be no impact to your score.

What is the Score Simulator tool?
The Score Simulator is an interactive tool that allows you to select various actions you may take and see how your score could be affected. Different actions, like paying off a credit card balance might make your score move up or down. Just like checking your credit score through SavvyMoneyTM, using the simulator does not affect your actual credit score.

Is there a fee?
No. SavvyMoneyTM is entirely free, and no credit card information is required to register.

How does SavvyMoneyTM Credit Score keep my financial information secure?
SavvyMoneyTM uses bank-level encryption and security measures to keep your data safe and secure. Your personal information is never shared with or sold to a third party.

What if the information provided by SavvyMoneyTM Credit Score appears to be wrong or inaccurate?
The SavvyMoneyTM Credit Score makes its best effort to show you the most relevant information from your credit report. If you think that some of the information is wrong or inaccurate, we encourage you to take advantage of obtaining free credit reports from, and then pursuing with each bureau individually. Each bureau has its own process for correcting inaccurate information but every user can “File a Dispute” by clicking on the “Dispute” link within their SavvyMoneyTM Credit Report. However, The Federal Trade Commission website offers step-by-step instructions on how to contact the bureaus and correct errors.

Will accessing SavvyMoneyTM Credit Score ‘ping’ my credit and potentially lower my credit score?
No. Checking SavvyMoneyTM Credit Score is always a “soft inquiry”, which does not affect your credit score. Typically, lenders use ‘hard inquiries’ to make decisions about your credit worthiness when you apply for loans.