Login PERSONAL BANKING BUSINESS BANKING HOME PERSONAL BUSINESS LENDING RESOURCES ABOUT CONTACT Personal Banking HOMEPERSONAL BANKING 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 November 28, 2021. Interest Rate and APY may change without notice. View Rates 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 OPEN NOW OPEN NOW Brief Description No monthly fee Earns a competitive interest rate Our most attractive interest 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 Picture Pay Free with Online Banking Person-to-Person (P2P) 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 Online Statements 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 OPEN NOW Money Market Accounts are a good choice if you need convenient access to your money, while earning a high interest yield. Show Details Certificate of Deposit OPEN NOW 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. Show Details 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. Show Details 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 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. Show Details Credit Cards Choosing the right credit card is easier than ever. Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you! No matter which card you choose, you’ll enjoy important features like: Convenient and Flexible Purchasing Power. Accepted at millions of locations worldwide. Mobile purchasing capability for added convenience Zero Fraud Liability.* You won’t be liable for fraudulent purchases when your card is lost or stolen. Cardmember Service available 24 hours a day/365 days per year. Plus much more! LEARN MORE 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. 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. MEET OUR TEAM Pacific Crest Savings Bank (425) 670-9600 main (800) 335-4126 toll free (425) 670-9688 fax info@paccrest.com ATM Locator Location Alderwood Business Center 3500 188th Street SW, Suite 575 Lynnwood, WA 98037 Open in Google Maps Quarterly Newsletter Keep updated on our latest news, banking insights ways we can help build your future. Read, Subscribe, or Share Get the Mobile App Our Mobile Banking App is free for Android and iPhone. © Copyright 2021 Pacific Crest Savings Bank. All rights reserved. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply. Privacy Security