Business Online Banking and Mobile Banking App

Business clients can manage their accounts using our advanced version of our Online Banking platform and Mobile Banking App.

Show Details

Online Banking for Business key features include:

  • Provide and manage access for additional approved users
  • Initiate and approve ACH files and Wire transfers
  • Review account balances and activity conveniently in one place from any device
  • Mobile Banking App with Mobile Deposit
  • Internal transfers between eligible Pacific Crest accounts
  • Account to Account (A2A) – make external transfers to your bank accounts at other financial institutions connected through Plaid (read more about Plaid and an alternative option below)
  • Set up numerous account and transaction alerts delivered by text or email
  • Opt to safely receive and access your monthly Statements electronically
  • Communicate securely with our Client Services Team

Additional features for Checking Accounts:

  • Remote Deposit Capture (RDC)
  • Bill Pay
  • Person to Person (P2P) payments
  • Debit Card management

Plaid

Pacific Crest uses Plaid to help keep customers’ information secure when establishing transfers or connections to other financial institutions.

What is Plaid?
Plaid is a financial technology company that serves as an intermediary between third-party financial applications and users’ bank accounts.

What does it do?
To perform an external transfer, we need to verify your bank account.  Users can securely submit their information through Plaid, which facilitates secure data transfer between financial institutions—enabling the necessary communication to allow account verification in a few seconds.

What measures does Plaid take to safeguard your financial information?
Plaid uses advanced security and best-in-class encryption protocols to protect your data during transmission. Read more about Plaid’s security best practices on its Trust and Safety page.

Alternative Verification If you want to bypass Plaid, you can use a micro-deposit verification method.  This can take a few days to complete.

  • When setting up a new account in External Transfer (A2A), click the ‘X’ in the upper-right hand corner of the Plaid popup to close it.   Another page will open for you to add your bank account information.  You will need the Name of the Account (your official name on the account), Routing Number, Account Number, and Account type, checking or savings.
  • After submitting, two small deposits are posted to your external bank account, and an email is sent to you to complete.  In the email, you will be instructed to enter the exact deposit amounts to verify the account.

Activate Business Online Banking

To manage your account online, you must first be enrolled in online banking to access our Business platform. Please call Client Services at (425) 670-9600 for the information you’ll need to activate your account.

Show Details

Initial Business Online Banking Login

Business accounts will be verified by your “Company ID,” which is a new and unique number that is required for accessing your accounts in the Business Online Banking system and Mobile Banking App. You will also need a temporary secure password.  To obtain your Company ID and password, contact Pacific Crest Savings Bank client services by phone at (800) 335-4126, Monday through Friday; 8:30 a.m. – 4:30 p.m.

We recommend storing your Company ID in a secure place. Our portal offers the ability to “save” your credentials on the login screen for future use.

From a web browser, click on the blue “Business Banking Login” button at the top of the page and follow these steps:

  • Log in with your Company ID – as provided to you by Pacific Crest.
  • Current username and the temporary password provided to you by Pacific Crest.
  • Agree to Terms and Conditions
  • Create a permanent password

 

Business Mobile Banking App

Our Mobile Banking App is free to download from the Google Play Store™ (Android) or the Apple App Store™ (iPhone).

iPhone

Apple App Store

Android

Google Play Store

 

Show Details

Business Mobile Banking App

You must initially set up your account from a web browser.  After you have that access, download and set up the Business Mobile Banking App for your smartphone.

  • Download the Pacific Crest Business Mobile Banking App.  Visit the Google Play or Apple App Store and search for “paccrest.”  Select the blue icon.
  • Log in with your Company ID, username and password.  First-time users will be asked to activate their account with an additional security code received by text message or phone call.

 

Online and Mobile Banking Frequently Asked Questions (FAQ)

Answers to many frequently asked questions about Pacific Crest’s Business Online Banking and Mobile Banking App experience are included below.  Please contact us at (425) 670-9600 or clientservices@paccrest.com if you need additional assistance.

Show Details

The login screen requests a “Company ID” – what is this?
Business accounts will be verified by your “Company ID,” which is a new and unique number that is required for accessing your accounts in the Business Online Banking system and Mobile Banking App.  You will also need a temporary secure password.  To obtain your Company ID and password, contact Pacific Crest Savings Bank client services by phone at (425) 670-9600 during business hours.

Do I have to enter the “Company ID” every time I log in to my Business Online Banking system or Mobile Banking App?
Yes. Business Banking clients will need to enter their Company ID each time they log in.  Our portal offers the ability to “save” your credentials on the login screen for future use.  We recommend storing your Company ID in a secure place.

Can I download the Business Mobile Banking App to access my accounts initially?
You must initially access your account from a web browser.

Can I set up account alerts?
Yes.  Pacific Crest has established several pre-set alerts for your protection.  For example, you will receive a text message alert any time your email address, password, or phone number is changed.  You can customize your alerts in account settings.

Can I manage my debit cards?
Yes, debit card holders have the ability to manage their debit card or to restrict its usage by turning it on or off through Business Online Banking or the Mobile Banking App.

Will I have access to all of my transactions and statement history?
Yes, you will have access to up to 24 months of transaction and statement history. To access older account history, contact us directly.

As the administrator, I forgot my username/password.  What do I do?
For security purposes, you will need to call us to reset your password.  Please contact us during business hours.   We cannot reset passwords over email.

One of our users forgot their username/password.  What do I do?
The account administrator can select “manage users.” Choose the user and then click on “reset password.”  Be sure to have the user’s contact information and verification method completed (text or phone) so they receive the access code when they log in to reset their credentials.

Can I use Mint, QuickBooks, or Quicken?
You can establish an automatic download from Pacific Crest’s Online Banking to Mint, QuickBooks, or Quicken.  

Do you offer online bill pay services?
Yes,  Business Bill Pay is available for checking accounts through Online Banking and the Mobile App.

Is there a cost to the Pacific Crest Business Banking Mobile App?
No. Pacific Crest does not charge to download our Mobile Banking App. Regular transaction fees associated with your account(s) may apply.

There may be a data cost related to accessing the Pacific Crest mobile banking app from your mobile device carrier. Please check with your wireless plan or verify with your wireless carrier.

Can I receive training?
Yes, if you would like to arrange personalized training, please contact us at either clientservices@paccrest.com or (425) 670-9600.

Where can I view the Online Banking Agreement?
Pacific Crest’s Online Banking Agreement.

How can I protect my security and privacy?
Your security and privacy are of the utmost importance to Pacific Crest Saving Bank. To protect both you and your accounts, we recommend that you visit www.paccrest.com/privacy and security.

Who Do I Call if I Need Help Using Online Banking?
We’re here to answer your questions during regular business hours at (425) 670-9600.


Debit Card Controls

Online and mobile banking app clients can manage the use of their debit cards: turn your card on or off, change your limit, enable or disable merchants and transaction categories.  This adds more peace of mind against fraudulent activity when the card is not in use, or is missing.

Show Details

Turning Cards On/Off

The Card On/Off feature allows account holders to enable or disable cards associated with accounts as necessary. Follow the instructions below to turn cards on or off for an account.

  1. From the main side-bar menu, click Manage Debit Card
  2. On the next screen, click a card image to enable or disable the card

Note: Scheduled or recurring debit card transactions will continue to process even if the corresponding card has been disabled.  Card On/Off is designed to stop new card transactions quickly when you are concerned that a debit card has been lost or stolen. When you have confirmed that a card has been lost or stolen, it’s important to contact Client Services as soon as possible to cancel the card.

Card Merchant Controls

Merchant controls feature allows you to enable or disable certain types of merchants.

  1. From the main side-bar menu, click Manage Debit Card
  2. Click on the Merchants icon
  3. Read the notice and click Enable
  4. Select the Merchant Types that you would like to allow

Transaction Controls

Transaction controls feature allows you to enable or disable certain types of transactions.

  1. From the main side-bar menu, click Manage Debit Card
  2. Click on the Transactions icon
  3. Read the notice and click Enable
  4. Select the Transaction Types that you would like to allow

Spending Limits Control

The Spending control feature allows you to adjust your transaction spending limit.

  1. From the main side-bar menu, click Manage Debit Card
  2. Click on the Spending Limit icon
  3. Enter the dollar amount to adjust your Per Transaction limit

Note: Adjustments down remain until you change again.  Adjustments up remain for a 24-hour period and are subject to Pacific Crest’s established limits.


Person to Person (P2P) Payment

Person to Person (P2P) payment allows you to transfer funds from your bank account to another individual’s account via our online banking or our mobile app.

How it Works:

Using online banking or the mobile banking app, enter the amount of funds you wish to send. Enter the recipient’s email address or phone number. After the transfer has been initiated, the recipient receives a notification to use an online interface to input their bank account information and routing number to accept the transfer of funds. The recipients do not need to have an account with Pacific Crest in order to receive the money transfer.


Mobile Check Endorsements

Federal Reserve rules dictate how all checks must be endorsed for electronic and mobile deposits. The regulations are designed to help counter check fraud, money laundering, and ultimately safeguard your finances even more.

Show Details

What Do I Need to Do:

In addition to endorsing with your signature, checks that you deposit through our Pacific Crest Mobile App or by Remote Deposit Capture (RDC), will need to name the bank into which you’re depositing the funds. For example, on the back of a check that you deposit with our PacCrest Mobile App, simply write this additional language:  “For Mobile Deposit PCSB Only” Here is a full example of the new endorsement with your signature:

If you use a check scanner for business deposits, you will write or stamp this additional language on each check:  “For Remote Deposit PCSB Only”

What If I Forget to Write the New Endorsement?

We understand that it may take some time for this new step to become a habit. Eventually, checks that are missing the additional endorsement may be denied.  Additionally, if your check is missing the complete endorsement, and it is deposited more than once, your account will be debited for the amount of the check.

Where Can I Get Help?

We are always here to help. If you have any questions, please contact us at either clientservices@paccrest.com or (800) 335-4126.


Electronic Deposit Recommended Best Practices

Best Practices: Help Mitigate Risk

Show Details

Protection of Security Devices, User ID and Passwords

  • Pacific Crest Saving Bank will only distribute online and mobile banking access credentials to account owners and co-owners.
  • Use strong complex passwords and change them periodically.
  • All security procedures and access credentials should be protected, confidential, and accessible to only authorized users of accounts.
  • Notify us immediately, if any security procedures or credentials are stolen or become known to non-account-holders.
  • Maintain workstations, computers and internet access in a secure environment. This includes keeping up to date operating systems, security patches, antivirus software, and spyware to protect against viruses and malware.

Marking Electronically Deposited Checks as Deposited

  • To make sure that an electronically deposited check is not processed multiple times in print or electronic form, we recommend noting on the face that it has already been deposited electronically.
  • Marking a check this way allows you to identify that it has been deposited if it becomes mixed with undeposited checks.
  • You can choose to mark your checks manually, with a stamp, or by another means to show they have been electronically deposited.
  • We also suggest marking checks again after you receive confirmation that the deposit was received and accepted by Pacific Crest.

Check Retention Archive Requirement

  • Checks processed through the mobile banking app or Remote Deposit Capture (RDC) system should be retained for a period of 60 days.
  • Report any errors within 60 days, after which time Pacific Crest will consider the transaction correct.

Secure Storage

  • We recommend that customers securely store all checks and related banking information until destruction.
  • It works well to store processed checks away from where you make deposits to prevent them from being deposited again.
  • For businesses, we recommend having one person be responsible for storing processed checks and another to handle the active deposits.
  • Again, we recommend storing deposited checks for 60 days to allow processing time for any items that may be returned, and for reviewing transactions and reconciling bank statements.

Secure Destruction

  • After the 60 day retention period, items should be disposed of using a secure process.
  • We strongly recommend using crosscut shredding for check destruction.

 Additional Best Practices for Businesses

  • Establish policies and procedures based on the recommendations of this document.
  • We recommend separating depositing duties, as possible. For example, you could have one employee complete the check scanning process and another send the batch of checks to the bank.
  • Perform periodic audits to ensure your internal controls are working correctly.
  • Create a backup plan for depositing print checks, should electronic deposit not be working correctly for some reason.
  • Remove inactive users or others who are no longer employed at your company from account access.
  • Notify Pacific Crest of important business changes such as the relocation of your check scanners.

Online Statements

Switch to paperless Online Statements!

Benefits of Online Statements 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 Online Statements.
Online Statements are available on all money market and checking accounts.