Online Banking

Mobile Banking Basics

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

• Check balances and review account activity
• 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
• Set up account alerts delivered by text or email
• Communicate securely with our Client Services Team

Additional Features for Checking Accounts

• Bill Pay
• Person to Person (P2P) payments
• Debit Card management

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 their account number, SSN or TIN, and a security code delivered by text or phone.

Turning Cards On/Off

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

1. From the Main 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 Control Settings

Take full control of how your card is used by managing specific merchant and transaction types.

• Merchants Controls: Allows you to enable or disable merchant types (such as travel, restaurants, or gas stations).
• Transaction Controls: Gives you the ability to enable or disable cards to be used for certain transaction types, such as ATM or mobile wallet.

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 PCB 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 PCB Only”

What If I Forget to Write the Endorsement?

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

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 (425) 670-9600.

Protection of Security Devices, User ID and Passwords

• Pacific Crest 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.