Online Banking

Mobile Banking Basics

Bank on the go with Pacific Crest’s Mobile Banking App.

• Check balances and review account activity
• Mobile Deposit
• View images of checks
• Transfer money – between Pacific Crest accounts or to your other financial institutions (minimum $100 transfer)
• Pay bills – with either Bill Pay or Picture Pay
• Person-to-Person (P2P) payment (minimum $10)
• Set up account alerts delivered to your text or email
• and more

To use the Paccrest App, you need to be a Pacific Crest Online Banking user.  Access your accounts on the App using your existing Online Banking username and password.  First-time users will be asked to activate their account with additional information including your account number, SSN or TIN, and a security code received by text message or phone call

FAQ – Mobile Banking

I see two different Paccrest Mobile Banking Apps in the store. Which one do I need to install?
Install the Pacific Crest Mobile Banking App with the orange image.

How do I Register for Mobile Banking?

• Enroll in Pacific Crest’s Online Banking
• Download the free app from the Google Play Store™ (Android), or the Apple App Store™ (iPhone/iPad). Look for the orange icon.
• Enter your Online Banking username and password to log into your account.
• Since this is a new device, for additional security you will need to verify your mobile banking account by entering the security code you receive by either text message or phone call.

Do I need to log in to Online Banking system from a web browser the first time?
Yes.  You must initially access your Online Banking account from a web browser before setting up the mobile banking app.

On the app, do the Fingerprint, Touch ID, Face ID or PIN login allow me to bypass entering my username and password?
Yes.  If you select the option to “save” your credentials. Tap the cog in the upper right corner, select settings and then Fingerprint, Touch ID, Face ID (depending on your device) and/or the PIN login.

Note: if you update your password, you should turn off these login bypass options to allow you to enter the new password on your next login.  Then return to settings to activate this feature.

After initial set up, I want to reset my password.  What do I do?
Go to settings in the upper right corner, select “Login Help” and then from the dropdown menu, select “Forgot Username” or “Forgot or Reset Password” and follow the prompts.  You will need to verify your security information including your account number.

Note:  If you have the Fingerprint, Touch ID, Face ID or PIN activated, you should turn them off before resetting your password.  After entering the new password on your next login, you can activate them again.

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

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

What accounts are available in Mobile Banking?
You will have access to the same accounts that you have through Online Banking, including deposit and loan accounts.

What is Mobile Deposit?
Mobile Deposit allows you to take a picture of your check and deposit it remotely into your account. Please reference the Mobile Check Endorsements section on this page for how to endorse your check.

Is there a cost to the Pacific Crest Mobile Banking 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.

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 one of the utmost importance to Pacific Crest Saving Bank. To protect both you and your accounts, we recommend that you visit www.paccrest.com/security and www.paccrest.com/privacy-policy.

Who Do I Call if I Need Help Using Online Banking?
We’re here to answer your questions during our regular business hours at (800) 335-4126 or (425) 670-9600.

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.

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.

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.