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.

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Download Rates PDF

Personal Checking

Pacific Crest Savings Bank offers different types of checking accounts to meet your individual needs. All of our checking accounts have access to Online Banking where you may transfer funds between accounts, view real-time balances, set up account alerts and order checks.

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
Open Account Online
Brief Description No monthly fee Earns a competitive interest rate Our most attractive checking 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
Person to Person (P2P) Payments 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
eStatements 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 monthly fee
  • $15 monthly fee, if minimum daily balance falls below $2,000
  • 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

Certificates 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 monthly fee
  • $15 monthly fee, if minimum daily balance falls below $2,000
  • 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.

Show Details

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 monthly fee
  • $15 monthly fee, if minimum daily balance falls below $2,000
  • 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 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 (800) 335-4126 during business hours (Monday – Friday, 8:30 am – 4:30 pm). After business hours please call (800) 528-2273. 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 (800) 335-4126. 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.

eStatements

Switch to paperless eStatements!

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


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 on “Deposit Taking”.

MoneyPass

MoneyPass® network for deposit access ATMs

https://www.moneypass.com/atm-locator.aspx

MoneyPass® Apps

https://www.moneypass.com/mobile-apps.html


New Account Request Forms

Personal (PDF)

401(k) Checking (PDF)

Business (PDF)


Switch Kit

Changing your account is smoother than ever when you use our convenient Switch Kit to transfer your automatic payments and direct deposits from your existing account to your new account at Pacific Crest Savings Bank.

Switch Kit (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.

https://www.fdic.gov/edie/

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.

No matter which card you choose, you’ll enjoy important features like:

  • EMV smart chip technology for added security
  • Mobile purchasing capability for added convenience
  • Plus much more!

Let’s get started…

Pick the best rewards card for you!

Current card holders can access their account here.

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.