How PCB Works in Practice

PCB is owned by its members. When you join, you become a shareholder and part of a co-operative structure that supports financial wellbeing and community growth.

Our approach is simple:

• We encourage regular saving
• We provide access to fair and responsible lending
• We reinvest surpluses back into the Bank and its members

This means the Bank grows with its members, and decisions are made with the long-term benefit of the community in mind.

Why Join PCB?

Joining PCB means becoming part of a values-led financial community.

As a member, you benefit from:

• A personal, relationship-based service
• Direct access to support by phone, email and, where appropriate, in person
• The ability to engage with senior staff depending on your needs
• A simpler and more transparent approach to banking, with many everyday services provided without unnecessary fees
• The opportunity to be part of a member-owned organisation

PCB aims to make banking more accessible, supportive and aligned with the needs of its members.

Saving and Borrowing with PCB

PCB encourages members to build good financial habits through regular saving.

When it comes to borrowing, we take a more holistic approach

• Applications are considered based on individual circumstances — not just credit scores
• Lending decisions take into account affordability and overall financial position
• All loans provide for early repayment without penalties

Supporting Individuals and Businesses

PCB supports both individuals and businesses within its community.

For businesses, PCB offers a more personalised approach to banking — taking the time to understand your goals, challenges and growth plans. Rather than relying solely on automated assessments, applications are considered more holistically, allowing for a broader view of your business and circumstances.

This approach can be particularly valuable for businesses that may not always fit traditional lending models but demonstrate strong potential, commitment and financial discipline.

In addition, PCB reinvests surpluses into initiatives that support member development. This may include workshops, business support and programmes designed to strengthen financial wellbeing and long-term growth.

Our Approach to Members

PCB is built on a relationship-based model of banking. This means we aim to work with members in a way that is fair, transparent and supportive, while balancing individual needs with our responsibility to protect the wider membership.

We do not take a one-size-fits-all approach. Instead, we seek to understand each member’s situation and respond appropriately, within a framework of responsible lending and sound governance.