Specifically designed with your business needs in mind, our deposit products and services are tailored to simplify your banking, allowing you more time to focus on your growing business!
Contact our Client Services Team today to discuss how we may be of service to you and your business.
Interest Rates and Annual Percentage Yields (APY) are accurate as of .
Interest Rate and APY may change without notice.
Ideal for small and growing businesses with moderate account activity and balances.
Earn a competitive interest rate with fewer fees than most financial institutions.
| Business Checking | Business Interest Checking | |
|---|---|---|
| Earns Interest | No | Yes |
| Minimum open deposit | $500 | $500 |
| Minimum daily balance | $2,000 | $5,000 |
| Monthly fee (waived if minimum daily balance is maintained) | $10 | $15 |
| Earns Interest | No | Yes |
| Basic checks and endorsement stamp | 1st order free | |
| Check writing | Free | |
| Online Banking | Free | |
| Mobile Banking App with Mobile Deposit |
Free | |
| Bill Pay | Free | |
| Person to Person (P2P) Payments | Free | |
| External Transfers | Account to Account (A2A) | Free | |
| 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 | |
| Online Statements | Free | |
| ACH Transfers and Payments | Free | |
| Wire Transfers | Fees apply; please refer to our Business Fee Schedule or contact Client Services | |
| Remote Deposit Capture (RDC) | Free | |
Our Money Market and Certificate of Deposit (CD) accounts offer competitive interest rates. So which account should you choose? This information is to help you decide which account is right for you.
With our competitive rates, we believe that our Money Market account is the best available in the Puget Sound region.
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This type of savings account is attractive as it provides you with a high fixed rate of return for the investment term of your choice. We offer various maturities to fit your needs. If you need to access your funds before the CD’s term ends, an early withdrawal penalty will reduce the interest you earned on the CD.
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Remote Deposit Capture (RDC) is a technology-based method that lets you conveniently deposit checks using electronic images (front and back) with a check scanner. You can make deposits anytime from your business location with a high-speed internet connection.
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Our remote deposit service is compatible with Windows PC environments and offers several reports to maintain your internal operational controls. It is a great solution for various reasons, including staff productivity and efficiency.
Once your business is approved by Pacific Crest, a Remote Deposit Capture account is built uniquely for your business and the users you request. An installation visit is then coordinated to install the scanning equipment and provide as many tutorials on the service as you wish. Please review our Electronic Deposit Recommended Best Practices and contact the Client Services Team for additional assistance.
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:
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.
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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125184610 (The same Routing Transit number is used for all electronic transfers including wires and ACH.)
This can be found on your bank statement and the bottom of your checks next to the routing number listed above.
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 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.
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.
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.
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.
ATM deposit access is only available through surcharge-free MoneyPass® ATMs. When searching for an ATM near you, be sure to click “Deposit Taking”.
Choose from our popular business credit card options such as low rate, cash back or flexible rewards to find the one that works best for your business.
No matter which card you choose, your business will benefit from important features like:
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.
Alderwood Business Center
3500 188th Street SW, Suite 575
Lynnwood, WA 98037
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