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Personal Banking

Education Center

With regulatory objectives of educating our customers, Pine Country Bank is dedicated to helping individuals succeed personally and financially. We have several programs and resources available to help educate our customers online and are always willing to answer your questions in our branches.


During childhood, kids begin to absorb and interact with the financial world around them. Our goal is to help them build financial habits and values that shape how they earn, save and shop.

Online Education
The Centsables® is an online resource to help kids gain the skills they need to build a secure future. The Centsables website features animation and hands-on activities where kids learn:

    • Where money comes from
    • How it's earned, saved and spent
    • How to create a budget
    • Avoiding credit pitfalls
    • Stock market basics
    • What causes inflation and recession
    • Much more

The Centsables


Other Resources:


College is a time of new found freedom for many—this means personal finances need to be in order. Students need to understand basic money management skills such as handling credit and debt and living within a budget.

Student Budget Calculator
A Student Budget Calculator from the American Institute of CPAs specificially designed to help students understand their expenses and income while attending a full-time school.

Saving and Spending 101 Webinar
Download this free webinar by 360 Degrees of Financial Literacy on the best practices for college students to improve your financial life.

Your Life, Your Money Videos and Resources
Money Management Videos by people and celebrities to help you manage your money, not be managed by it.

Choosing a Student Loan that’s Right for You
If you have to take out student loans, comparing your options can help you find the student loan best suited for your needs.

Pine Country Bank has all the services you need to bank easily from school.

Mobile App

    • Bank remotely and deposit checks from anywhere

Checking and Debit Cards

    • Online bill-pay, free online and mobile banking and free e-statements
    • Parents can deposit checks at the bank

Home Owners

Whether you're a first-time home buyer, refinancing or looking to make home improvements, home ownership can be complicated. Pine Country Bank has experienced lenders to help you through every step.

Introduction to Mortgage Loans Video
A Mortgage Video introduction to the basics about home loans.

Mortgage Loan Calculator
A Mortgage Loan Calculator from the American Institute of CPAs to generate an estimated amortization schedule for your current mortgage.

Popular Types of Mortgages
Learn about the different types of mortgages available when buying a home.

Pine Country Bank offers a variety of options to become a homeowner, learn more about how we can help you secure your dream home.

Other Resources:

Adults & Families

There is always more to learn about saving and spending wisely. We aim to provide up-to-date tips and strategies to achieve financial stability.

Household Budgeting Worksheet
Input your take-home income and expenses to create a household budgeting plan.

Glossary of Money Terms
Here are some of the most common terms you'll encounter as you learn more about managing your personal finances.

Organizing and Managing Finances Video
Many American households live paycheck-to-paycheck, so managing expenses better can free them to pay attention to long-term goals.

Saving for Financial Shocks and Emergencies Video
Nearly half of American households are unprepared for financial emergencies, so even small financial shocks can lead to large financial setbacks. Watch this video to help you prepare.

College Savings Calculator
Use this College Savings Calculator to help develop or review your education savings plan.

Retirement Planner Calculator
Use this Retirement Planner Calculator to help you create your retirement plan.

Avoiding Identity Theft
Learn about identity theft: what it is, what to know and what to do.


 Other Resources:


There is always more to learn about saving and spending wisely. We aim to provide up-to-date tips and strategies to achieve financial stability. 

Social Security Benefits Calculator
Use this calculator to help you estimate your Social Security benefits.

Set Up Family/Friends to Help with Banking
You have several options when deciding to have someone help with your bill paying and banking. 

Contact us to establish a Convenience Signer, as discussed in this article, for your Pine Country Bank accounts.

Other Resources:

Business Owners

There is always more to learn about saving and spending wisely. We aim to provide up-to-date tips and strategies to achieve financial stability.

Business Planning Basics
A variety of business planning basics including articles and calculators.
Cash Flow Calculator
Having adequate cash flow is essential to keep your business running. Use this Cash Flow Calculator to help you determine the cash flow generated by your business.

Cybersecurity Tips for Businesses
Keep your business secure with these Top Ten Cybersecurity Tips

Other Resources: