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Online Banking

Log into your accounts,
view a demo, or enroll.

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ATM Access

Surcharge-free nationwide
ATM access

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Loan Application

Complete an application for a residential, commercial or construction loan.

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Personal Banking

Personal Banking

Personal banking with Pacific Crest Savings Bank is centered on convenience. We make banking easy by providing services that fit your needs and offer various account options because not everyone is the same. Our account features are designed with tailored access that fits your comfort level and preference.


 

Personal Checking

Pacific Crest Savings Bank offers different types of checking accounts to meet your individual needs. All of our checking accounts have access to online banking where you may transfer funds between accounts, view real-time balances, set up account alerts and order checks.

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Account Details

All Pacific Crest personal checking accounts offer:

  • Online banking
  • Bill pay
  • Mobile banking app, including mobile deposit
  • Person to Person (P2P) payments
  • eStatements with online banking
  • Visa® debit card
  • External transfers available with online banking
  • Free ATM withdrawals 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.
  • Please contact our Client Services Team for more information

Which Account is Right for You?

Free Checking

This basic account has no minimum balance requirement and no monthly fees.

Interest Checking

Earn a competitive interest rate while maintaining a low minimum balance.

Interest Plus Checking

Receive our most attractive checking interest rate without tying up your funds in long-term investments.

Elite Checking

Age and wisdom have their advantages, and with Elite Checking our customers age 50 and better receive a free checking account, plus a .10% bonus on their Pacific Crest CDs (with Direct Deposit).

Checking Comparison Chart — Which Account is Right for You?

Free Checking Interest Checking Interest Plus Checking Elite Checking
Brief Description Free of a monthly service fee Earns a competitive interest rate Our most attractive checking rate Designed for customers age 50+
Minimum open deposit $100 $500 $500 $100
Minimum daily balance $0 $2,500 $10,000 $0
Monthly fee (waived if minimum daily balance is maintained)
$0 $15 $15 $0
Interest bonus No No No .10% CD rate bonus on new CD
with direct deposit (excluding CD specials)
Basic checks 1st order free 1 box per order free
Online banking Free
Bill pay Free with online banking
Mobile banking app with mobile deposit Free with online banking
Person to Person (P2P) Free with online banking
ATM withdrawals Unlimited free withdrawal access nationwide
ATM deposit Access through thousands of surcharge-free MoneyPass® ATMs in the U.S.
Visa® debit card Free
eStatements Available with online banking
External transfers Available with online banking

 

Personal Savings

Our Money Markets and our CDs require the same minimum balance of $2,000 and both offer competitive interest rates. So which account should you choose? This information is to help you decide which account is right for you.

Money Market

Money Market Accounts are a good choice if you need convenient access to your money, while earning a high interest yield.

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Savings Made Easy

Our Money Market account combines the most desirable benefits of both savings and checking accounts. You are entitled to six transfers/withdrawals per statement cycle for easy access to your funds and with its tiered balances and interest rates, this account earns more as your balance grows.

Account Details

  • $2,000 minimum initial deposit
  • $2,000 minimum daily balance requirement, to avoid monthly fee
  • $15 monthly fee if minimum daily balance falls below $2,000
  • 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 transactions per statement cycle
  • Online banking
  • Bill pay
  • Visa® debit cards available
  • Contact our Client Services Team for more information

Certificates of Deposit

Money is placed in a Certificate of Deposit (CD) for a set amount of time with a specified interest rate. There is a penalty for early withdrawal, so you should not choose a CD if you think you might need to access your cash before the maturity date. The best thing about CDs is that they offer a relatively high return.

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Solid Savings, Solid Return

If you will not need to access your funds for a certain amount of time consider investing in a Certificate of Deposit. Our CDs are available in a variety of terms and amounts to match your particular savings needs. Terms range from six (6) months to five (5) years and the minimum amount to open an account is $2,000. Check out our CD rates to see for yourself!

Account Details

  • $2,000 minimum initial deposit
  • No monthly or annual account fees
  • Earn high interest rates
  • Interest is compounded daily and paid to the account monthly
  • Penalties for early withdrawal apply
  • Terms are available from six (6) months to five (5) years
  • Rates are fixed for the term of the CD
  • Online banking
  • Contact our Client Services Team for more information

Retirement Plans

Please speak with your financial planner or tax advisor for help with making important investment decisions.

Traditional IRA

A Traditional Individual Retirement Account (IRA) allows you to direct pretax income, up to specific annual limits, towards investments that can grow tax-deferred.

Contributions to the Traditional IRA may be tax deductible depending on your income, tax-filing status and other factors.  When you begin to receive distributions from a Traditional IRA, the income is treated as ordinary income and may be subject to income tax.

Your financial planner or tax advisor should be contacted to discuss any tax consequences.

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Pacific Crest Savings Bank offers two investment options to best meet your retirement goals.

Money Market Account Details

  • $2,000 minimum initial deposit
  • $2,000 minimum daily balance requirement, to avoid monthly fee
  • $15 monthly fee if minimum daily balance falls below $2,000
  • Higher rates for higher balances
  • Interest is compounded daily and paid to the account monthly
  • Tax deductible retirement savings under certain conditions
  • Online banking
  • Contact our Client Services Team for more information

Certificate of Deposit Account Details

  • $2,000 minimum initial deposit
  • No monthly or annual custodian fees
  • Earn high interest rates
  • Interest is compounded daily and paid to the account monthly
  • Tax deductible retirement savings under certain conditions
  • Penalties for early withdrawal apply
  • Terms are available from six (6) months to five (5) years
  • Rates are fixed for the term of the CD
  • CDs will automatically renew unless you contact us for withdrawal
  • Online banking
  • Contact our Client Services Team for more information

Roth IRA

A Roth Individual Retirement Account (IRA) is a special retirement account where you pay taxes on the money going into the account and features tax-free withdrawals for qualified distributions.

Roth IRA contributions are not tax deductible; however, you pay no taxes on any of the earnings on your account if you leave funds in the account for a five-year holding period and make a qualified distribution.  Qualified distributions include those made on or after age 59 1/2, those made to beneficiaries upon your death, those made because you have become disabled, and those made for first-time home buyers.

Your financial planner or tax advisor should be contacted to discuss any tax consequences.

Show Details

Pacific Crest Savings Bank offers two investment options to best meet your retirement goals.

Money Market Account Details

  • $2,000 minimum initial deposit
  • $2,000 minimum daily balance requirement, to avoid monthly fee
  • $15 monthly fee if minimum daily balance falls below $2,000
  • Higher rates for higher balances.
  • Interest is compounded daily and paid to the account monthly
  • Tax deductible retirement savings under certain conditions
  • Online banking
  • Contact our Client Services Team for more information

Certificate of Deposit Account Details

  • $2,000 minimum initial deposit
  • No monthly or annual custodian fees
  • Earn high interest rates
  • Interest is compounded daily and paid to the account monthly
  • Tax deductible retirement savings under certain conditions
  • Penalties for early withdrawal apply
  • Terms are available from six (6) months to five (5) years
  • Rates are fixed for the term of the CD
  • CDs will automatically renew unless you contact us for withdrawal
  • Online banking
  • Contact our Client Services Team for more information

Credit Cards

Choosing the right credit card is easier than ever.

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

  • EMV smart chip technology for added security
  • Mobile purchasing capability for added convenience
  • Plus much more!

Let’s get started…

Pick the best rewards card for you!

Apply Now

Current card holders can access their account here.

Account Management

We offer an attractive array of account management 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. 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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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, including Mobile Deposit

Bank on the go from anywhere with the Pacific Crest Savings Bank mobile banking app. Manage your accounts from your mobile phone or tablet when it’s convenient for you.

Our mobile banking app is fast, free, convenient, simple and secure allowing you to:

  • View account balances
  • View recent activity
  • Transfer funds between accounts
  • Pay bills to existing payees – coming in 2016
  • Deposit Checks
    • Simply take a picture of the front and back of an endorsed check using the mobile app. Your deposit will be confirmed.

To use the Pacific Crest mobile banking app, you must be a Pacific Crest online banking user. The Pacific Crest mobile app allows you to access your accounts using your existing Pacific Crest online banking username and password.

Online Bill Pay

Allows our clients to view, manage and pay their bills through online banking.

Person to Person (P2P) Payments

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.

Suppose you’re splitting a dinner check with friends. Instead of worrying about cash, change, or multiple cards, you can send a text or email prompting them to pay directly to your account. They’ll get your personal message, plus instructions for making a quick and easy electronic payment. With P2P, you can now send, receive, or request money using your smartphone, tablet, or computer… all you need is the recipients email address or mobile number.

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.