Personal banking with Pacific Crest Savings Bank is centered on convenience. We make banking easy by providing services that fit your needs and offer various account options. Our account features are designed with tailored access that fits your comfort level and preference.
Deposit Rates
Interest Rates and Annual Percentage Yields (APY) are accurate as of .
Interest Rate and APY may change without notice.
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.
Free Checking
This basic account has no minimum balance requirement and no monthly fee.
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.
Checking Comparison Chart — Which Account is Right for You?
| Free Checking | Interest Checking | Interest Plus Checking | ||
|---|---|---|---|---|
| Brief Description | No monthly fee | Earns a competitive interest rate | Our most attractive interest rate | |
| Minimum open deposit | $100 | $500 | $500 | |
| Minimum daily balance | $0 | $2,500 | $10,000 | |
| Monthly fee (waived if minimum daily balance is maintained) |
$0 | $15 | $15 | |
| Basic checks | 1st order free | |||
| Online Banking | Free | |||
| Bill Pay | Free with Online Banking | |||
| Mobile Banking App with Mobile Deposit |
Free with Online Banking | |||
| Picture Pay | Free with Online Banking | |||
| Person-to-Person (P2P) | Free with Online Banking | |||
| ATM withdrawals | Unlimited free withdrawal access nationwide (if an ATM charges a fee, we will refund within two business days) |
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| ATM deposit | Access through thousands of surcharge-free MoneyPass® ATMs in the U.S. | |||
| Visa® Debit Card | Free | |||
| Online Statements | Free with Online Banking | |||
| External Transfers | Free with Online Banking | |||
Personal Savings
Our Money Markets and Certificates of Deposit (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 convenient access to your money, while earning a high interest yield.
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Savings Made Easy
Our Money Market account combines the most desirable benefits of both savings and checking accounts. You are entitled to six (6) 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 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® debit card
- Contact our Client Services Team for more information
Certificate of Deposit
Money is placed in a Certificate of Deposit (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 offer a relatively high return.
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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 (6) months to five (5) 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
- Earns a high rate of interest
- Interest is compounded daily and paid to the account monthly
- Terms are available from six (6) months to five (5) years
- Rates are fixed for the term of the CD
- Penalties for early withdrawal apply
- 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
A Traditional Individual Retirement Account (IRA) allows you to direct pretax income, up to specific annual limits, towards investments that can grow tax-deferred.
Contributions to the Traditional IRA may be tax deductible depending on your income, tax-filing status and other factors. When you begin to receive distributions from a Traditional IRA, the income is treated as ordinary income and may be subject to income tax.
Your financial planner or tax advisor should be contacted to discuss any tax consequences.
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Pacific Crest Savings Bank offers two investment options to best meet your retirement goals.
Money Market Account Details
- $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
- Tax deductible retirement savings under certain conditions
- Online Banking
- Contact our Client Services Team for more information
Certificate of Deposit Account Details
- $2,000 minimum initial deposit
- No monthly or annual account fees
- Earns a high rate of interest
- Interest is compounded daily and paid to the account monthly
- Tax deductible retirement savings under certain conditions
- Terms are available from six (6) months to five (5) years
- Rates are fixed for the term of the CD
- Penalties for early withdrawal apply
- Online Banking
- Contact our Client Services Team for more information
Roth IRA
A Roth Individual Retirement Account (IRA) is a special retirement account where you pay taxes on the money going into the account and features tax-free withdrawals for qualified distributions.
Roth IRA contributions are not tax deductible; however, 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.
Your financial planner or tax advisor should be contacted to discuss any tax consequences.
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Pacific Crest Savings Bank offers two investment options to best meet your retirement goals.
Money Market Account Details
- $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
- Tax deductible retirement savings under certain conditions
- Online Banking
- Contact our Client Services Team for more information
Certificate of Deposit Account Details
- $2,000 minimum initial deposit
- No monthly or annual account fees
- Earns a high rate of interest
- Interest is compounded daily and paid to the account monthly
- Tax deductible retirement savings under certain conditions
- Terms are available from six (6) months to five (5) years
- Rates are fixed for the term of the CD
- Penalties for early withdrawal apply
- Online Banking
- Contact our Client Services Team for more information
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.
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
https://www.moneypass.com/atm-locator.aspx
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
Choosing the right credit card is easier than ever. Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you!
No matter which card you choose, you’ll enjoy important features like:
- Convenient and Flexible Purchasing Power. Accepted at millions of locations worldwide.
- Mobile purchasing 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.
- Plus much more!
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.
