Account Disclosures

Important Information About Your
Personal Accounts

• Account General Terms

• Truth-In-Savings Disclosures 

• Current Interest Rates

• Schedule of Fees 

• Funds Availability

• Electronic Funds Transfer

• Important Information about Checking Account Substitute Checks and Your Rights 

• ATM/Night Deposit Facility User Precautions 

• Online Banking and Bill Payment Agreement

• Privacy Notice November, 2011

For information concerning account terms and conditions, or regarding any Pacific Trust Bank product or service, visit one of our convenient Branch Offices or call us at: