SMS Consent Policy

PBT Bancorp (“we,” “us,” or “our”) collects consent from borrowers before sending any text messages. Consent is obtained verbally during phone consultations or through our website contact forms.

Verbal Consent Script

During phone consultations, the following is read to borrowers before any text messages are sent:

“By providing your phone number, you agree to receive text messages from PBT Bancorp regarding your mortgage inquiry. This may include loan status updates, document requests, appointment reminders, and general follow-up communication. Message frequency varies. Message and data rates may apply. You can reply STOP at any time to unsubscribe or reply HELP for assistance. Consent is not a condition of purchasing any product or service.”

Want us to look at your VA loan options?

Tell us what you are working on and the best number to reach you. We will call, answer your question, and show you the next step. You do not need a credit check to ask.

What are you trying to do?

Buying a home Refinancing Quick question

First name Email Phone

We will use this number to follow up about your mortgage question.

By checking this box, I agree that PBT Bancorp (NMLS #257781) and its loan officers may contact me about my inquiry by phone call and text message at the number I provided, including through automated technology and prerecorded messages. I understand consent is not a condition of purchasing any property, goods, or services. Message and data rates may apply. Reply STOP to opt out at any time. See our Privacy Policy. Submit

Michael Parker, NMLS #457569  |  PBT Bancorp, NMLS #257781  |  FDIC member bank, licensed in all 50 states

How to Opt Out

Reply STOP to any text message to unsubscribe. You will receive a confirmation message, and no further messages will be sent.

How to Get Help

Reply HELP to any text message, or contact us at mparker@peopleshazard.com or call (888) 435-7315.

PBT Bancorp, Wilmington, NC

Last revised: Mar 24, 2026