Planter's and Citizen's Bank
21 North Harney Street
GA 31730

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Jul. 24, 2016
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Copyright 2016 Planter's and Citizen's Bank

Notice: Planters and Citizens Bank is not responsible for and has no control over the subject matter, content, information, or graphics of the web sites that have links here. The portal features are being provided by an outside source - The bank is not responsible for the content. Please contact us with any concerns or comments.

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Contact Us

Phone: 229.336.5271
Fax: 229.336.7930

21 North Harney Street
Post Office Box 449
Camilla, Georgia 31730


Monday-Thursday 9am-4pm
Friday 9am-5pm
Drive Thru opens daily at 8:30am

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Online Banking System Security

In Internet banking as with traditional banking methods, security is a primary concern. At Planters and Citizens Bank we have taken every precaution necessary to be sure your information is transmitted safely and securely. The latest methods in Internet banking system security are used to increase and monitor the integrity and security of the system.

Secure Communications

Our system ensures that data exchanged between your PC and our computers is encrypted with 128-bit encryption - the strongest encryption available. Encryption is accomplished through Secure Sockets Layers (SSL), which utilizes mathematical formulas to 'encrypt' or hide information from prying eyes on the Internet. Additionally, if SSL detects that data was added or deleted after you sent it to the bank, the connection will be severed in order to guard against any tampering. The most popular browsers have the SSL security feature included. How can you tell if your browser is secure? Click Here.

Secure Environment

Our computer system does not connect directly to the Internet. It is isolated from the network via a 'firewall.' A firewall is a combination of software and hardware products that designate parameters, and control and limit the access that outside computers have to the banks' internal networks and databases. You can feel secure knowing that our firewall protects your personal information from unauthorized access.

Secure Login

The customer information database is housed on a Microsoft SQL Server, which implements Microsoft NT security in addition to the firewall technology. The customer database is stored on a RAID-5 drive array, which provides uninterruptible data access, even in the event of a hard drive failure. Just as the World Wide Web interface is the only process capable of communicating with the Internet banking server, the Internet banking server is the only process able to send requests to the SQL database. This way, customer information can never be accessed or downloaded by anyone on the Internet. Additionally, user passwords can vary from six to fourteen characters, which means the chance of randomly guessing a password is less than one in one billion! The system also checks for invalid logins and automatically disallows a user after three invalid attempts. This prohibits the 'hacker' from gaining access to our system, thus protecting your accounts.

Your Password

You will be responsible for maintaining one of the most important security measures: your password. When you choose your P&C Bank online banking password, be sure to keep it a secret. Memorize it, or write it down and keep it in a safe place. It is not recommended you carry your password in your purse or wallet. Make sure no one watches you enter your password and always close your browser when leaving the computer. Make sure you regularly scan your computer for viruses that could be used to capture password keystrokes. You ultimately hold the key to your password security. For more in depth information on how to protect yourself from fraud, Click Here.

Multifactor Authentication

Recently an additional layer of security and fraud protection was added to help prevent identity theft. Now when you signup for Internet banking you will be required to establish a security question. If you consistently use a particular computer to access your financial information, you also have the option of registering that computer by adding extra security to it. The combination of your password and security question, or your password and a registered computer, will serve as a double layer of protection to verify your identity.

Secure Browsers

Your Browser is an important part of the overall security measure designed to protect your Internet Banking transactions. Please consult the information below to make sure you are using supported browser/system requirements.

  • 56K modem (40 kbs)
  • Monitor set to 1024 X 768
  • Pentium II, 233MHz
  • Supported browsers are listed below in the table below
  • cookies enabled
  • Adobe Acrobat Reader: Version 6.0 or higher

Beta versions of Internet browsers are not supported on any operating system.


 Operating System Browser Encryption
 Windows 2000, SP4 128 Bit 
Internet Explorer 6.0+
Netscape Naviagtor 6.1
AOL Browser 8.0 or 9.0
Firefox 1.0

Windows XP, SP2

128 Bit 
Internet Explorer 7.0
Netscape Navigator 7.2 or 6.1
AOL Browser 8.0 or 9.0
Firefox 1.0

 Macintosh OSX

 128 Bit
Apple safari 1.2



©2008 Planters and Citizens Banks
All Rights Reserved

 Notice: Planters and Citizens Bank is not responsible for and has no controll over the subject matter, content, information, or graphics of the web sites that have links here. The portal features are being provided by an outside source - The bank is not responsible for the content. Please contact us with any concerns or comments.


Protecting Yourself from Fraud

Part of our security features will depend on the role you play in protecting yourself from fraud. We ask you to adopt some basic practices in your due diligence to prevent any breach of your security. These practices should be:

  1. Guarding your password to protect your online account information. This password should be a combination of letters, numbers and symbols and should be changed on a regular basis – every 60 to 90 days. Short family names and birth dates are not a good idea for passwords. Longer combinations are the best bet for security.
  2. Remember to log-off Internet banking and close your browser when you finish your transactions. This will prevent other from accessing your information and using it at a later time.
  3. Do not share your Internet Banking Customer ID or Password with anyone.
  4. Beware of the many Internet “phishing” scams that request information about you. Only provide information to web sites that you initiated
  5. Install protective services to your computer like firewall software and anti-virus programs. Upgrading these items often can help in the defense in computer data destruction.
  6. Do not open e-mail or attachments from unknown sources.

If you feel someone has accessed your information, contact us immediately at:

Planters & Citizens Bank
21 North Harney Street
P.O. Box 449
Camilla, GA 31730
(229) 336-5271

We can immediately revoke access to your on-line account information.

If you feel you are a victim of identity theft, (i.e., unauthorized transactions on bank statements or credit card usage, etc), you must act quickly to minimize the damage to your finances and your credit standing.

We ask you to follow these steps:

  1. Call Planters & Citizens Bank at 229-336-5271 from 9:00 a.m. to 4:00 p.m. Monday-Friday.
  2. Contact any one of the three major credit bureaus and place a “fraud alert” on your accounts. Request a copy of your credit report, which is free when you are calling to report a fraud on your account. Report any discrepancies to the credit bureaus in writing.
  3. Call the post office to report any mail tampering at your location.
  4. Call your credit card companies and close out old card and replace them with new card.
  5. Report all theft to the Federal Trade Commission by calling 877-ID-THEFT.
  6. Keep copies of all correspondence and conversations with individuals at your financial institutions, credit bureaus and other agencies.

To report fraud to any of the three major credit bureaus:

Office of Fraud Assistance
P.O. Box 740250
Atlanta, GA 30374

Consumer Fraud Assistance
P.O. Box 1017
Allen, TX 75013-1017

Fraud Victim Assistance Dept
P.O. Box 1000
Chester, PA 19022

To remove your name from telephone solicitation lists, we suggest you register at:

The Federal Government National Do Not Call Registry

To opt-out of pre-approved offers and marketing lists, call:

To report your Social Security Number being used by another person, call:

Social Security Administration Office Of Inspector General

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