Specifically designed with your business needs in mind, our deposit products and services are tailored to simplify your banking, allowing you more time to focus on your growing business!

Contact our Client Services Team today to discuss how we may be of service to you and your business.

Deposit Rates

Interest Rates and Annual Percentage Yields (APY) are accurate as of .

Interest Rate and APY may change without notice.

View Rates

Download Rates PDF

Business Checking

We have several types of checking accounts created to fit your unique business needs. Whether you are a growing business with lower check transaction volume or a larger corporation with higher volumes, we have solutions that make sense for your company. All of your accounts are accessible through our business online banking, which provides you with the necessary tools that allow you to conveniently manage your business finances.

Business Basics Checking

Our Business Basics Checking Account is ideal for small and growing businesses with moderate account activity and balances.

Business Plus Checking

Our Business Plus Checking Account earns a competitive interest rate with fewer fees than most banks.

Business Premier Club Checking

It does not get any better than this! Our Business Premier Club Checking Account earns an interest rate that is twice (2x) that of our industry leading Business Plus Checking.

Business Checking Comparison Chart – Which Account is Right for You?

Business Basic Checking Business Plus Checking Business Premier Club Checking
Brief Description Moderate account activity Earns a competitive interest rate Our most attractive checking rate
Minimum open deposit $500 $500 $500
Minimum daily balance $2,000 $5,000 $20,000
Monthly fee (waived if minimum daily balance is maintained) $10 $15 $20
Earns Interest No 0.60% APY* 1.20% APY**
Basic checks and endorsement stamp 1st order free
Check writing Free
Online Banking Free
Bill Pay Free with Online Banking
Mobile Banking App with Mobile Deposit Free with Online Banking
ATM withdrawals Unlimited free withdrawal access nationwide
(if an ATM charges a fee, we will refund within two business days)
ATM deposit Access through thousands of surcharge-free MoneyPass® ATMs in the U.S.
Visa® debit card Free
eStatements Free
External transfers Free with Online Banking
Remote Deposit Capture (RDC) Options available
Business Courier Service Available

*To qualify for the stated rate, the account must maintain a $5,000 minimum daily balance.   Interest rates are variable and may change after the account is opened.

**To qualify for the stated rate, the account must maintain a $20,000 minimum daily balance and have at least two (2) remote deposits and five (5) or more online bill payments monthly to avoid a monthly fee.  Outgoing wire fees are waived for the first three (3) outgoing wires per month.  If qualifications are not met on the Business Premier Club Checking account, the account type may be changed to the Business Plus Checking and earn its stated rate.  Interest rates are variable and may change after the account is opened.

IOLTA Checking

Our IOLTA Checking Account is commonly used by Law firms and Escrow companies. The Legal Foundation of Washington has certified Pacific Crest Savings Bank eligible to hold IOLTA and other trust fund.

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Account Details

  • $500 minimum initial deposit
  • $5,000 minimum daily balance requirement, to avoid monthly fee
  • $15 monthly fee, if minimum daily balance falls below $5,000
  • Earns a competitive interest rate, compounded daily and distributed to the Washington Legal Foundation monthly
  • First 150 checks/debits and items deposited per statement cycle are free; $0.20 per item thereafter
  • First order of basic checks is free

Business Savings

Both our Money Market and Certificate of Deposit (CD) accounts offer competitive interest rates. So which account should you choose? This information is to help you decide which account is right for you.

Business Money Market

Our Money Market account combines the most desirable benefits of both savings and checking accounts. With our competitive rates, we believe that our Money Market account is the best available in the Puget Sound region.

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Account Details

  • Accounts available for all businesses, including sole proprietorships, LLCs, associations and self-directed retirement plans
  • $5,000 minimum initial deposit
  • $5,000 minimum daily balance requirement, to avoid monthly fee
  • $15 monthly fee, if minimum daily balance falls below $5,000
  • Higher rates for higher balances
  • Interest is compounded daily and paid to the account monthly
  • First order of basic checks is free
  • Limited to six (6) debit transactions per statement cycle
  • Online Banking
  • Bill Pay
  • Visa® Business debit cards available

Certificates of Deposit

This type of savings account is attractive as it provides you with a high fixed rate of return for the investment term of your choice. Reserve funds are placed in a Certificate of Deposit (CD) for a specific term and there is an interest penalty for early withdrawal.  CD accounts are suitable for cash that you do not need for months or years.

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Account Details

  • $2,000 minimum opening deposit
  • No monthly or annual fee
  • Earns a high rate of interest
  • Interest is compounded daily and paid to the account monthly
  • Early withdrawal penalty is applicable
  • Terms are available from six (6) months to five (5) years
  • Rates are fixed for the term of the CD
  • Online Banking

Cash Management

We offer an attractive array of business services designed with you in mind. So which services are right for you? This information is to help guide you through an explanation of our available options. An experienced banker will assist you with making the right decision with a tailored package of services. Our Client Services Team is happy to provide comparisons to your current banking relationship so that you can make an informed business decision.

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ACH Origination

ACH Origination through our Online Business Banking enables you to originate direct deposit payroll files, vendor payments and even collect rents and dues. The ACH files are processed each business day afternoon and can “settle” to the recipient’s account as quickly as the next day.

Business Courier

We offer a professional business courier service should you wish for us to pick-up your secure, tamper-evident deposit bag and have it delivered to the bank. Courier service may be arranged on an on-call basis or scheduled for regular pick-ups.

External Transfer

The external transfer service provides you with the ability to easily transfer money between accounts at different financial institutions. A very convenient choice when you rely upon more than one bank to service your financial needs.

Mobile Banking App, with Mobile Deposit

Bank on the go from anywhere with Pacific Crest Savings Bank’s mobile banking app.  Manage your account from your mobile phone or tablet when it’s convenient for you.  View account balances, recent activity, transfer funds between accounts and deposit checks by simply taking a picture.

Online Banking Cash Management

Business moves quickly, so we provide innovative, efficient cash management tools with our Online Business Banking system. It is the functionality that businesses need to effectively manage their finances. Using multi-layered security features and customizable levels of functionality for each user, ensures a safe, convenient operational solution.

Online Bill Pay

Allows our business clients to view, manage and pay their bills through Online Banking.

Online Wire Transfer Service

Our Online Business Banking hosts a wire transfer module allowing our business clients to initiate their wire transfer requests electronically. Templates can be built for repetitive wire transfers and dual control for initiation is supported. We also protect the transaction with a phone call for each outgoing wire request.

Person to Person (P2P) Payment

Person to Person (P2P) Payments is a service that allows you to send payments to and receive payments from another person via email or text without having to exchange account numbers. This is both faster and more secure than sending someone a check.

Remote Deposit Capture (RDC)

A desktop scanning device is provided to our business clients that wish to electronically submit their deposits. An economical convenience that businesses expect today. Our remote deposit service is compatible with Windows PC environments and offers several reports to maintain your internal operational controls. A great solution for a variety of reasons, including staff productivity and efficiency.

Secure Messaging

Utilizing our online banking environment, we can correspond securely with you without fear of unintended interception. With secure messaging, you can send a secure SSL-encrypted message that is stored and answered through our online banking platform.  This provides a secure manner in which to communicate sensitive information, such as account numbers and balances.

Sweep Arrangements

Business clients can manage money between accounts by setting up limits and transfer “rules” to ensure funds are appropriately managed through our Online Banking system. Identify what circumstance would trigger a sweep transfer and the process is automated from that point forward. Change it as often as you would like.

Account Information

We offer an attractive array of account management services designed with you in mind. So which services are right for you?  Client Services is happy to provide comparisons to your current banking relationship so that you can make an informed business decision.

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Bank Account Information

Pacific Crest Savings Bank Routing & Transit (ABA) Number

125184610 (The same Routing Transit number is used for all electronic transfers including wires and ACH.)

Account Number

This can be found on the bottom of your checks next to the routing number listed above.

Account Name

Electronic transfers need to specify an owner/signer of an account. If the names do not match account records, the transfer may be rejected.

Wire Transfer Information

Wire transfer information requires both bank information as well as your account information. Please complete the Wire Transfer Form and provide it to whomever you are authorizing to transmit funds to your account with Pacific Crest Savings Bank. If you are not faxing the information, an email message should be sent using our secure file sharing system, Citrix ShareFile to protect your confidential banking information.

Remote Deposit Capture

Remote Deposit Capture is a Cash Management service for our Business clients wishing to make their deposits utilizing a check scanner.

Once your business is approved by Pacific Crest, a Remote Deposit Capture account is built uniquely for your business and requested users. An installation visit is then coordinated to install the scanning equipment and provide as much tutorial of the service as you wish. Please contact the Client Services Team for additional assistance.

Lost or Stolen Items

Lost or Stolen Debit Card

To report a lost or stolen card, please contact our Client Services Team directly at (800) 335-4126 during business hours (Monday – Friday, 8:30 am – 4:30 pm). After business hours please call (800) 528-2273. To protect you from the possibility of future fraudulent activity, it may be necessary to open a new account. We will work with you and advise you on the best course of action to be taken.

Lost or Stolen Checks

To report a lost or stolen check, please contact Client Services during regular business hours at (800) 335-4126. It will help to have the check number, amount and payee of the last legitimate check written. To protect you from the possibility of future fraudulent activity, it may be necessary to open a new account.


eStatements

Switch to paperless eStatements!

Benefits of eStatements Include:

  • Convenient: Receive email notification when your statement is ready
  • Accessible: 24/7 access to 12 months’ statements via Online Banking
  • Private & Secure: Encrypted PDF with password-protected access
  • Flexible: View, store, download or print statements on your own terms
  • Green: An environmentally friendly option. Save a tree!

You must be enrolled in Online Banking to access eStatements.
eStatements are available on all money market and checking accounts


Free ATM Access

Cash Withdrawals

Pacific Crest Savings Bank clients can make withdrawals at any ATM across the country without paying a surcharge fee!

Just visit any ATM nationwide and we will take care of the rest. Even if an ATM charges a fee, Pacific Crest will refund any surcharge amount back to your account within two business days.*

*Surcharge-free service for withdrawals does not include international activity.

Cash or Check Deposits

ATM deposit access is only available through surcharge-free MoneyPass® ATMs. When searching for an ATM near you, be sure to click on “Deposit Taking”.

MoneyPass

MoneyPass® network for deposit access ATMs

https://www.moneypass.com/atm-locator.aspx

MoneyPass® Apps

https://www.moneypass.com/mobile-apps.html


New Account Request Forms

Personal (PDF)

401(k) Checking (PDF)

Business (PDF)


Switch Kit

Changing your account is smoother than ever when you use our convenient Switch Kit to transfer your automatic payments and direct deposits from your existing account to your new account at Pacific Crest Savings Bank.

Switch Kit (PDF)


FDIC Insurance

Your FDIC insured deposits are safe and backed by the full faith and credit of the federal government.

During difficult economic times, some people may be concerned about the safety of the money they have in their checking, savings and retirement accounts. They shouldn’t be. Our customers can bank with confidence knowing their money is safe because it is insured by the Federal Deposit Insurance Corporation (FDIC). Since the FDIC was founded in 1933, no one has ever lost a penny of FDIC-insured funds.

The FDIC insures deposits and protects depositors’ funds in banks. FDIC insurance covers each depositor’s account, dollar-for-dollar, up to the insurance limit, including principal and accrued interest.

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Maximizing Your FDIC Coverage

Your deposits at Pacific Crest Savings Bank are insured up to at least $250,000 per depositor. The Dodd-Frank Wall Street Reform and Consumer Protection Act, signed on July 21, 2010, made this insurance limit permanent.

For many people the limit is enough coverage, but for those needing greater insurance, multiple account ownerships can dramatically increase coverage. It is important to remember that simply opening a number of accounts does not increase coverage — the type of ownership must be different in order to increase the level of FDIC insurance.

Ownership means how funds are held and how the account is titled. There are several types of ownership including individual, joint, revocable trust and self-directed retirement plans like IRAs. For example, with an individual account the funds are owned by one individual and the account is in that person’s name only.

With a joint account, the account is in the name of two or more people and all have the right to withdraw funds. Generally, each person with a joint account is accorded an equal share of that account and each person is insured to $250,000.

Revocable trust accounts enable the owner of the funds to designate a beneficiary to receive the funds if the owner dies. However, while alive the owner retains complete control over the money and is insured up to $250,000 for each qualifying beneficiary.

We recommend using a helpful free tool provided by FDIC – the Electronic Deposit Insurance Estimator (EDIE). https://www.fdic.gov/edie/

Please contact us for assistance to determine if you have adequate deposit insurance for your accounts.

FDIC EDIE Calculator

FDIC has a free Electronic Deposit Insurance Estimator (EDIE). The EDIE calculator lets consumers know how the insurance rules and limits apply to a depositor’s specific group of deposit accounts—what’s insured and what portion (if any) exceeds coverage limits at that bank. EDIE also allows the user to print the report for their records.

https://www.fdic.gov/edie/

EDIE can be used to calculate the insurance coverage of all types of deposit accounts offered by an FDIC-insured bank, including: Checking Accounts, Savings Accounts, Money Market Deposit Accounts and Certificates of Deposit. EDIE should NOT be used for investments, including Mutual Funds, Stocks, Bonds, Annuities and any investment that is not a deposit in an FDIC-insured bank.

Credit Cards

Choosing the right business credit card is easier than ever.

No matter which card you choose, you’ll enjoy important features like:

  • Award-winning expense management tools
  • Free employee cards
  • EMV smart chip technology for added security
  • Mobile purchasing for added convenience

Current card holders can access their account here.

Meet Our Client Services Team

While we provide many convenient access points for you to bank, our client services group is dedicated to personalized attention. Should you have any questions, we invite you to contact us. Click to see profiles and contact information for our client services team.