At Pacific Trust Bank, you have a choice of personal checking accounts:
And with all three you can have an ATM Card or MasterMoney Debit Card and HomeAccess Online Banking and Bill Payment service!
Click here for Business Checking Accounts.
Compare Checking Account Features
Super Checking
With all you have to keep track of, you don't need a high maintenance checking account. Your checking account should be easy to understand and offer you financial solutions. Pacific Trust’s Super Checking account has many convenient and rewarding features that will help you simplify your life.
Super Checking benefits*:
- Interest is earned on the first $1. Click Here for current rates.
- Free unlimited ATM withdrawals
- One free box of checks per year
- Free Notary Service
- One free Money Order per business day; or
- One free Pacific Trust Official Check per business day.
Super Checking is free of monthly service charges when you maintain either a total aggregate average daily savings balance of $1,000 or more, or a total outstanding loan balance of $1,000 or more. For those who do not meet the above qualifications in any month, a $9 monthly service fee will be charged. Please see our “Important Account Information” handbook for more details.
High-Yield Checking
It's similar to our Super Checking Account, with all of the same benefits*, but the interest rate on this account is tiered so that higher-balances earn significantly higher rates of return. Click Here for More Details or for Current Rates.
You can write an unlimited number of checks on this account. And High-Yield Checking is free of monthly service charges when you maintain either a total aggregate average daily savings balance of $10,000 or more, or a total outstanding loan balance of $10,000 or more. For those who do not meet the above qualifications in any month, a $15 monthly service fee will be charged. Please see our “Important Account Information” handbook for more details.
* Standard service fees apply for additional order volumes, or if you don't have a Super Checking or High-Yield Checking Account. See our Account Handbook and Truth-In-Savings account disclosure for more information about Pacific Trust Bank checking accounts.
Basic Checking
For those who want a totally free checking account – we offer Basic Checking, with no monthly service charges or per-check fees and no minimum balance requirements. Basic Checking is just what it sounds like - and the account does not bear interest. Basic Checking accounts are available to individuals for personal transactions, but not for business purpose accounts, corporations or other business entities.
Please see our “Important Account Information” handbook for more details.
Overdraft Protection - You can request two types of overdraft protection for your checking account.
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The first type of overdraft protection is an automatic advance in the amount of the overdraft from your available credit in your Overdraft Line of Credit or your Home Equity Line of Credit, as frequently as needed up to the amount of your credit limit. There is no overdraft transfer fee for line of credit advances.
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The second type of protection will transfer funds in the exact amount of the overdraft, plus applicable fees, automatically from the available funds in another of your checking, regular savings or money market deposit accounts.*
With Overdraft Protection, you can write checks or request transactions that would normally exceed the available balance in your checking account, and avoid the cost and embarrassment of having your transaction denied or check returned.
Whether you are writing a check, withdrawing cash from an ATM or using your MasterMoney Debit Card to make purchases at retailers, you will be able to access the full amount of your checking account's available funds -- including all authorized Overdraft Protection authorized account available balances.
Now, all of your transactions, including PIN-based ATM and Debit Card transactions, will reference the total available balance for your checking account, including your authorized overdraft accounts. This total available balance may now appear on your transaction receipts.
Take full advantage of our Overdraft Protection Options:
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Have funds transferred automatically to your checking account as needed.
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We will only transfer the amount necessary to clear your transactions.
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Link one or more of your other Pacific Trust checking or savings accounts.**
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Link your Overdraftl Line of Credit, or
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Link your Home Equity Line of Credit.
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And, you can specify the order in which each authorized overdraft account accessed, but your overdraft line of credit account will be the last in line from which to fund your checking account transactions.
** Per Federal regulations, the number of overdraft transfers per month from each savings account is limited. You may not make more than six withdrawals or transfers to another bank account of yours or to a third party by means of a pre-authorized or automatic transfer or telephonic order or instruction. No more than three of the six transfers may be initiated by check, draft, debit card, if applicable, or similar order to a third party. Overdraft transfer fees and excess activity fees may apply.
FDIC-Insured - Your deposits are now federally insured to at least $250,000 per depositor by the Federal Deposit Insurance Corporation (FDIC), and your retirement funds on deposit at Pacific Trust Bank are separately insured by the FDIC up to an additional $250,000.
Pacific Trust Bank has chosen not to participate in the FDIC’s Transaction Account Guarantee Program. Customers of Pacific Trust Bank with noninterest-bearing transaction accounts will continue to be insured through December 31, 2009 for up to $250,000 under the FDIC’s general deposit insurance rules.
If your checking account is at another bank – compare their fees and service features to ours. We’re sure you’ll find that the best place is Pacific Trust Bank - The place to stash your cash!
