Banking Services

• Business Accounts
• Personal savings and Checking Accounts
• High-Yield Savings
• Overdraft Protection
• Service Quality Guarantee
• Customer Service Team
• HomeAccess Online Banking
• Deposit Options
• Direct Deposit
• Shared Branch Network
• ATM and Debit Cards
• MasterCard SecureCode
• ATM Locations
• Safe Deposit Boxes
• Wire Transfers
• About FDIC Insurance
• Account Disclosures
• Touch-Tone Teller
• US Savings Bonds
• "Ex-CHANGE" coin machines
• Other Services

HomeAccess Online Banking and Bill Payments

• HomeAccess Online Banking Info
• HomeAccess Log-In
• Enroll Online for HomeAccess
• Online Banking Security
• HomeAccess & Bill Payment Agreement
• Bill Payment Service Information
• Timely Payment Guarantee

• Regular Savings
• High-Yield Savings
• Savings Accumulation Plan Account
• Private Account

Checking Accounts

• Basic Checking
• Super Checking
• High-Yield Checking
• Basic Business Checking
• Overdraft Protection

Money Market Deposit Accounts

• Market Rate Account
• Money Market Checking
• Indexed Money Market Account
• IRA Money Market Account

Time Deposits

• Certificates of Deposit
• Peace of Mind Certificate Account
• Market Indexed Add-On Certificate
• Flex-15 Certificate of Deposit

Individual Retirement Accounts

• IRA Certificate
• IRA Money Market

Loan Products

Mortgage Loans:

Account Disclosures

• Account General Terms
• Truth-In-Savings Disclosures
• Current Interest Rates
• Schedule of Fees
• Funds Availability
• Electronic Funds Transfer
• Online Banking Terms
• Privacy Policy

Applications and Forms

• Online Application Forms
• New Savings, Checking or CD account Application
• Loan Application Forms
• Consumer Loan Application
• Home Equity Line of Credit Application
• Real Estate Loan Application
• MasterMoney or ATM Card Application
• Report a Change of Address
• Stop Payment Requests
• Phone/Fax Funds Transfer Authorization
• Wire Transfer Request - domestic
• Wire Transfer Request - international
• Payroll Direct Deposit Request
• US Governement Direct Deposit Request
• Great Idea Submission Form
• ID Theft Affidavit Form

News and Information

• Focus On Finance Newsletter
• Online Newsletter Archive
• Pacific Ports
• Online Financial Calculators
• Account Information
• Glossary of Financial Terms
• Bank Holidays
• Loan Information Request
• Send Us an E-mail
• Linking to our website
• First PacTrust Bancorp, Inc.
• Privacy Policy
• Wire Transfers
• Shared Branch Network

Consumer Info

• Check 21 Info
• Check 21 Rights
• Financial Safety and Protection
• Prevention of Elder Financial Abuse
• FDIC Insurance
• Equal Housing Lender
• Reg. D Transaction Limits

Pacific Trust Bank

• About Us
• The Pacific Trust Difference
• Officers & Directors
• Employment Opportunities
• Bank Holidays
• Locations & Operating Hours
• How to Reach Us
• Web Site Terms of Use

First PacTrust Bancorp, Inc.

• FPTB Website
• Investor Relations Info