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Online Banking

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

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Virtual Deposit

Securely scan and send deposits electronically from your scanner.

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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 is centered on convenience, your convenience. We offer various account options because not everyone is the same. We have designed our account features with your benefit in mind, including tailored access that fits your comfort level and preference.


 

Opening an Account

At this time, accounts must be opened in person for new customers. If you wish, you may complete the New Account Request form prior to coming to our office.

Current customers, please contact us for information regarding opening a new account.

Switch to Pacific Crest

Switching 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.

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.

Account Details

All Pacific Crest personal checking accounts offer:

  • Free online banking
  • Free Bill Pay
  • Free Paperless eStatements with online banking
  • Free Visa® Debit card
  • Account to Account (A2A) external transfers available with online banking
  • ATM Withdrawal & Deposit access through thousands of surcharge free MoneyPass® ATM’s nationwide
  • 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 55 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
charge
Earns a competitive interest rate Our most attractive checking rate Designed for customers age 55+
Minimum Open Deposit $100 $500 $500 $100
Minimum Daily Balance $0 $2,500 $10,000 $0
Monthly Service Charge 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)
Free Basic Checks 1st order 1st order 1st order 1 box per order
Check Writing Unlimited
Online Banking Free
Bill Pay Free
ATM Deposit and Withdrawal Access through thousands of surcharge-free MoneyPass® ATMs nationwide
Visa® Debit Card Free
Paperless eStatements Available with Online Banking
Account to Account External Transfers Available with Online Banking, $.50 per deposit

 

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 constant access to your money. They are also a good choice if you want to begin investing now and add to the account over time. They allow free access to your funds and you may make deposits and withdrawals as you go.

Show Details

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 service fee
  • $15 monthly service charge 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
  • Free online banking
  • Free Bill Pay
  • Free Visa® Debit Card debit cards available
  • Contact our Client Services Team for more information

Certificates of Deposit

Money is placed in a 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 are FDIC insured and offer a relatively high return.

Show Details

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 months to five 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 6 months to 5 years
  • Rates are fixed for the term of the Certificate
  • CDs will automatically renew unless you contact us for withdrawal
  • Free 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

The Traditional IRA allows you to defer taxes on the earnings to your contributions until they are withdrawn. Also, certain contributions are tax-deductible in the tax year for which you make them.

  • Contributions can be tax-deductible
  • All transactions and earnings within the IRA have no tax impact
  • Withdrawals at retirement are taxed as income

Show Details

Individual Retirement Accounts (IRAs) are available at Pacific Crest Savings Bank. Traditional IRAs offer tax-deductible retirement savings under certain conditions and the interest earned is tax deferred until it is withdrawn. Early withdrawal may result in a penalty; your tax advisor should be contacted for further details.

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

Money Market Account Details

  • $2,000 minimum initial deposit
  • $2,000 minimum daily balance requirement, to avoid service charge fee
  • $15 monthly service fee if minimum daily balance falls below $2,000
  • Limited to six transactions per statement cycle
  • No annual trustee fees
  • Earn competitive interest rates
  • Interest is compounded daily and paid to the account monthly
  • Tax deductible retirement savings under certain conditions
  • No penalties for withdrawal
  • Liquid funds with variable rate of interest
  • Free online banking
  • Contact our Client Services Team for more information

Certificate of Deposit Account Details

  • $2,000 minimum initial deposit
  • No monthly or annual trustee fees
  • Earn competitive 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 6 months to 5 years
  • Rates are fixed for the term of the CD
  • CDs will automatically renew unless you contact us for withdrawal
  • Free online banking
  • Contact our Client Services Team for more information

Roth IRA

The Roth IRA allows only non-deductible contributions and features tax-free withdrawals for certain distribution reasons after a five year holding period. Since the Roth IRA contributions are non-deductible and taxed in the year they are earned, if you expect to be in a higher tax bracket when you retire, you may benefit more from a Roth IRA than from a Traditional IRA.

  • Contributions are made with after-tax assets.
  • All transactions within the IRA have no tax impact.
  • Withdrawals are usually tax-free.

Show Details

Roth IRA contributions are not tax deductible, but 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.

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

Money Market Account Details

  • $2,000 minimum initial deposit
  • $2,000 minimum daily balance requirement, to avoid service charge fee
  • $15 monthly service charge fee if minimum daily balance falls below $2,000
  • Limited to six transactions per statement cycle
  • No annual trustee fees
  • Earn competitive interest rates
  • Interest is compounded daily and paid to the account monthly
  • Tax deductible retirement savings under certain conditions
  • No penalties for withdrawal
  • Liquid funds with variable rate of interest
  • Free online banking
  • Contact our Client Services Team for more information

Certificate of Deposit Account Details

  • $2,000 minimum initial deposit
  • No monthly or annual trustee fees
  • Earn competitive 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 6 months to 5 years
  • Rates are fixed for the term of the CD
  • CDs will automatically renew unless you contact us for withdrawal
  • Free online banking
  • Contact our Client Services Team for more information