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.

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IntraFi Cash ServiceSM | ICS®

Pacific Crest Savings Bank is part of the IntraFi® network, which provides our clients access to fully insured deposits with their IntraFi Cash ServiceSM (ICS®) for Checking and Money Market accounts. ICS® is a smart, convenient way for bank customers to access multi-million-dollar FDIC protection on large deposits, earn a competitive return, and enjoy flexibility.

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With the ICS® service, you can:

  • Enjoy Peace of Mind
    Relax knowing that your funds are eligible for multi-million-dollar FDIC insurance, protection that is backed by the full faith and credit of the United States government.
  • Earn interest
    Put excess cash balances to work by placing funds into money market deposit accounts, earnings a competitive interest rate.
  • Save Time
    Work directly with just our bank—a bank you know and trust. Forego opening accounts under different insurable capacities or managing multiple bank relationships. Receive just one monthly statement from us summarizing your account activity and balances.
  • Maintain Flexibility
    Enjoy access to funds placed into Checking and Money Market deposit accounts.

For more information on how ICS® works, please see this description.

Bank Safe, Bank Smart®.

Deposit placement through ICS is subject to the terms, conditions, and disclosures in applicable agreements. Although deposits are placed in increments that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”) at any one destination bank, a depositor’s balances at the institution that places deposits may exceed the SMDIA (e.g., before settlement for deposits or after settlement for withdrawals) or be uninsured (if the placing institution is not an insured bank). The depositor must make any necessary arrangements to protect such balances consistent with applicable law and must determine whether placement through ICS satisfies any restrictions on its deposits. A list identifying IntraFi network banks appears at https://www.intrafi.com/network-banks . The depositor may exclude banks from eligibility to receive its funds. IntraFi and ICS are registered service marks, and the IntraFi hexagon and IntraFi logo are service marks, of IntraFi Network LLC.

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 Checking

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

Business Interest Checking

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

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

Business Checking Business Interest Checking
Brief Description Moderate account activity Earns a competitive interest rate
Minimum open deposit $500 $500
Minimum daily balance $2,000 $5,000
Monthly fee (waived if minimum daily balance is maintained) $10 $15
Earns Interest No Yes
Basic checks and endorsement stamp 1st order free
Check writing Free
Online Banking Free
Bill Pay Free with Online Banking (not available from the Mobile App)
Mobile Banking App
with Mobile Deposit
Free with Online Banking
Picture Pay 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
Online Statements Free with Online Banking
ACH Transfers and Payments Free with Online Banking
Wire Transfers Fees apply, please refer to our Business Fee Schedule
Remote Deposit Capture (RDC) Free with Online Banking

*Business Checking: $500 minimum opening deposit, $2,000 minimum daily balance to avoid monthly fee. Business Interest Checking: $500 minimum opening deposit, $5,000 minimum daily balance to avoid monthly fee.

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
  • $2,000 minimum initial deposit
  • $2,000 minimum daily balance requirement, to avoid a $15 monthly fee
  • 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

Certificate 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

Our Business clients receive all the benefits of our business banking services, with the additional features offered by Cash Management services including ACH origination and wire transfers.

We offer an attractive array of business services designed with you in mind. This information is to help guide you through an explanation of our available options. An experienced banker will assist you in 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 Transfers and Payments

The ACH transfer service provides you with the ability to easily transfer money between accounts at different financial institutions.  ACH payments enable 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.

Debit Card Controls

Online and mobile banking app users can manage the use of their debit card through the mobile application by temporarily turning a card off, or changing the daily spending limits. This adds more peace of mind against fraudulent activity when the card is not in use or is missing.

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 Bill Pay

View, manage and pay your bills through Online Banking (not available from the Mobile App).

Picture Pay

In addition to traditional bill payment services, mobile banking users can pay a bill simply by taking a picture of the bill or invoice with your phone’s camera.

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.

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.


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 your bank statement and 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 review our Electronic Deposit Recommended Best Practices and 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 (425) 670-9600 during regular business hours. After business hours please call (833) 933-1681, (812) 647-9794 (International).

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 (425) 670-9600. 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.

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 “Deposit Taking”.


MoneyPass® network for deposit access ATMs


New Account Request Forms

Personal (PDF)

Business (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.


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

Choose from our popular business credit card options such as low rate, cash back or flexible rewards to find the one that works best for your business.

No matter which card you choose, your business will benefit from important features like:

  • Free online expense reporting tools.
  • No fee for additional employee cards
  • Mobile payment capability for added convenience.
  • Zero Fraud Liability.*  You won’t be liable for fraudulent purchases when your card is lost or stolen.
  • Cardmember Service available 24 hours a day/365 days per year.

Current card holders can access their account here.

* Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

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.