Business Checking

Bank of the Pacific offers a full spectrum of checking account products for businesses of every type and size.


Please Click Here to view our current Business Banking Fee Schedule.


Please note fee changes effective February 1, 2016 are reflected in BLUE.


eSSENTIAL Business ~

Just the bare essentials, best suited for sole proprietors and start-ups with very limited activity and basic business banking needs.

No Minimum Balance Requirement

● $100.00 minimum opening deposit
● $.25 per transaction over 50 per statement period

*Note: All business checking account transactions include checks paid, deposits posted, checks deposited, ACH debits/credits, online banking transfers, and debit card point of sale and ATM transactions.  

 

Small Business ~

This account type is best suited for small to mid-size businesses with lower monthly deposits and transactions.

● $100.00 minimum opening deposit

$10.00 monthly service charge balance requirement fee if daily balance drops below $500.00 unless an average daily balance of $2500.00 or more is maintained.   

● $.25 per transaction over 200 per statement period


*Note: All business checking account transactions include checks paid, deposits posted, checks deposited, ACH debits/credits, online banking transfers, and debit card point of sale and ATM transactions.  

 

Regular Business ~

Our Regular Business Checking Account is perfect for the growing business with moderate activity.
● $100.00 minimum opening deposit

$15.00 monthly service charge balance requirement fee if daily balance drops below $5,000.00 unless an average daily balance of $10,000.00 or more is maintained.

● $.25 per transaction over 400 per statement period


*Note: All business checking account transactions include checks paid, deposits posted, checks deposited, ACH debits/credits, online banking transfers, and debit card point of sale and ATM transactions.  

 

NOW Business ~ Negotiable Order of Withdrawal

The NOW Business account is available to unincorporated sole proprietors and non-profit organizations with modest to moderate activity.

● $100.00 minimum opening deposit
● $10.00 monthly service charge balance requirement fee if daily balance falls below $2,500.00
● $.25 per transaction over 400 per statement period
● $1,000.00 minimum daily balance to obtain disclosed annual
percentage yield - Click here for current rates to be directed to the CD Rates page and then select "Checking Accounts" from the left menu panel to view current NOW Account rates.


*Note: All business checking account transactions include checks paid, deposits posted, checks deposited, ACH debits/credits, online banking transfers, and debit card point of sale and ATM transactions.  

 

Analyzed Business ~

The Analyzed Business account is designed to meet the needs of our large volume commercial business accounts that anticipate depositing and writing a large number of checks per month, as well as, buying and selling coin and currency. The Analyzed Business account receives an earnings credit to offset some or all of the monthly service charge based on the average investable balance in the account. The service charge is based on the volume of activity during the statement cycle.

$12.00 monthly maintenance fee

● $0.14 per check paid

● $0.50 per deposit posted

$0.08 per on-us item deposited

$0.10 per other item deposited

● $.07 per ACH debit or credit posted

$.10 per $100.00 cash deposited

$.10 per $100.00 cash purchased

$.10 per $100.00 rolled coin purchased

$7.50 per deposited item returned

● Earnings allowance may offset some or all of the above fees


Please visit a branch location nearest you for additional information and brochures that may affect your account.