Review on Pcs
Disclaimer
Our reviews are subjective opinions based on the analysis of our independent writers from around the world. We recommend exercising your own judgment and verifying information independently. We cannot be held liable for decisions made based on our reviews.
Summary
About Pcs
Pcs.bank claims to be Paper City Savings Bank, offering personal and business banking services via an online platform. Its website (https://www.pcs.bank/) presents standard bank features: checking and savings accounts, online transfers, loans, and resources on fraud and cyber security. On the surface, it looks like a legitimate community bank, with a routing number (275971498) and a contact phone number listed (715-423-8100).
However — despite these appearances — there are significant red flags that raise serious doubts about the authenticity of the site, especially in the context of your concern about it being a “scam / online bank website.”
More Details
Putting together the red flags and missing evidence, here’s a detailed breakdown:
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Restricted Domain Doesn’t Guarantee Trust: While the .bank TLD is more secure than generic domains, it does not guarantee that the business behind the domain is trustworthy or has deposit insurance. Scammers may try to mimic real banks using similar-looking names.
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No Public Regulatory Confirmation: A legitimate US bank should clearly state its FDIC membership (or other insurance), provide disclosures, and have transparent ownership information. The absence of this is deeply troubling.
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Possible Data Collection for Phishing: If this is not a fully regulated bank, the website could be used to collect sensitive user data — usernames, passwords, maybe even account details — under false pretenses.
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User Risk: Anyone depositing money, providing personal information, or trusting the site for financial services may face severe loss — funds may not be insured, and there may be no recourse if something goes wrong.
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Credibility via Design, Not Substance: The site uses the trappings of a real bank (routing number, banking services, fraud page) to project legitimacy, but that may only be surface-level. Without verifiable credentials, it could be a sophisticated front.
Given these factors, pcs.bank raises enough suspicion to be considered potentially fraudulent or highly risky. At best, it is under-regulated or operating in a gray area. At worst, it could be a phishing or scam site posing as a bank.
Warning: Low score, please avoid this website!
According to our review, this website has a higher risk of being a scam website.
It may attempt to steal your funds under the pretense of helping you make money.
Notice: High Score — Not likely to be a scam website.
According to our review, this website has a low risk of being a scam.
There is minimal indication of fraudulent activity.
Notice: Moderate score — Caution advised.
According to our review, this website shows a moderate risk level based on current data.
There is no strong evidence of a scam, but users should proceed carefully.
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Competiting Brands
Photos of Pcs
Pros
- HTTPS / Encryption: Because it uses .bank, it is more likely to enforce secure connections (HTTPS).
- Scam Education Resource: It provides a fraud-awareness page, which suggests some awareness of online security, at least on paper.
- Clear Contact Information: Lists a US phone number and routing number, giving a veneer of legitimacy.
Cons
- Lack of Verifiable Regulation: There’s no publicly accessible proof (from regulators) that this is a fully insured bank.
- Opaque WHOIS / Domain Info: Key domain ownership details are not publicly clear.
- No Strong Third-Party Reviews: Minimal independent user reviews, press coverage, or regulatory references.
- Risk of Phishing: If fraudulent, the site could collect personal banking information under the guise of a "real" bank.
Website Overview
Country:
USA
Operating Since:
2025
Platforms:
Mobile/Desktop
Type:
Online bank
Spread:
N/A
Funding:
Online bank
Leverage:
N/A
Commission:
N/A
Instruments:
N/A
Keypoints
Too Good to Be True? The site’s design and claims mimic those of a real, regulated bank. But there’s little independent verification (from third-party banking regulators) that “pcs.bank” is a registered, federally insured bank. The domain “.bank” is a restricted top-level domain (TLD) with tight registration rules. Legitimate banks usually go through a rigorous verification process.
WHOIS / Domain Verification Missing Searching publicly available WHOIS records for pcs.bank yields no transparent registrant information. This is suspicious because .bank domains should have strict verification. Without clear ownership details or proof of regulation, it's hard to confirm whether this is an officially chartered bank or a shell.
Fraud / Scam Resource Page Ironically, the site itself includes a “Fraud, Scam and Cyber Security Resources” section. While this could be legitimate (many banks offer this), it is also a common tactic for phishing / scam-looking sites to appear more credible. The contact listed for fraud reporting is for Paper City Savings Bank (715-423-8100). But verification that this phone line matches a real branch is lacking in independent sources.
Mismatch with Real Institutions There is a real Paper City Savings Bank (serving Central Wisconsin) that uses pcs.bank on its site. But there are no credible user reviews, regulatory filings, or third-party confirmations that all operations (especially online-only) under this domain are fully legitimate or insured.
Overall Score
1%
Final Thoughts
After viewing and analyzing the site thoroughly by our experts and undergoing the proper process, we have reached a final conclusion.
Legitimacy Doubtful: While the site has many features of a real bank, the lack of verifiable regulatory safeguards and third-party validation makes its legitimacy questionable.
High Risk for Users: Anyone interacting with pcs.bank — especially depositing funds or providing personal info — should exercise extreme caution. Without clear evidence of deposit insurance or regulatory oversight, you risk losing your money.
Recommend Verification First: Before engaging further:
Try calling the listed phone number (715-423-8100) and ask specific questions (e.g., FDIC insurance, branch location).
Search for the bank in official regulatory databases (e.g., FDIC, state banking regulators).
Ask for proof of account statements, physical branch address, or audited financial disclosures.
If in Doubt, Avoid: Unless you can confirm its registration and regulatory status, it's safest to steer clear or treat it as not a fully trusted financial institution.
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