Pacific Access Checking
Visit any branch to open an account.
Looking to Build a Positive Financial History?
You’re in the right place. We designed this checking account for those who might not be ready to open a standard checking account. Visit one of our branches, and we will help you get started.
Compare Our Checking Accounts
All checking accounts come with a VISA® debit card, free online and mobile banking with Bill Pay, free mobile deposits, and unlimited check writing.
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ATM RefundsB
ATM RefundsB
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Specialty Style Bank of the Pacific Checks
Specialty Style Bank of the Pacific Checks
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Earn Tiered-Rate Interest
Earn Tiered-Rate Interest
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Opening Deposit
Opening Deposit
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Monthly Service Fee**
Monthly Service Fee**
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Interest Bearing
Interest Bearing
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ATM RefundsB
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Specialty Style Bank of the Pacific Checks
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Earn Tiered-Rate Interest
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Opening Deposit
$100
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Monthly Service Fee**
$5.95 ($3.95 if 60+)
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Interest Bearing
No
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ATM RefundsB
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Specialty Style Bank of the Pacific Checks
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Earn Tiered-Rate Interest
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Opening Deposit
$100
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Monthly Service Fee**
$7.95
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Interest Bearing
Rate or Cash RewardsCD
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ATM RefundsB
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Specialty Style Bank of the Pacific Checks
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Earn Tiered-Rate Interest
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Opening Deposit
$1,000
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Monthly Service Fee**
$35
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Interest Bearing
Tiered Interest
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ATM RefundsB
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Specialty Style Bank of the Pacific Checks
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Earn Tiered-Rate Interest
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Opening Deposit
$50
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Monthly Service Fee**
$10
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Interest Bearing
No
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Switching to Bank of the Pacific is Easy
We strive to provide outstanding customer service to both our new and established customers, and can walk you through the process of moving over your accounts via direct deposit. Speak with a Customer Care Specialist to get started! To help the process along, download and fill out the Direct Deposit Enrollment Form prior to reaching out.
Disclosures
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* Statement Cycle means the current monthly statement cycle, which is defined as from the first (1st) day of the month through the last day of the month.
** Fees cannot be waived for this account.
B. If you have met your qualifications for the month, we will reimburse you up to $20 in ATM fees per monthly statement cycle, which will be credited to your account as follows:
• Domestic ATM surcharge fees (fees assessed at ATMs we do not own) will be reimbursed on the last day of your statement cycle.
• Internal ATM fees charged by Bank of the Pacific for use of ATMs we do not own will be reimbursed on the first business day of the month following your statement.
• International ATM surcharge fees will not be reimbursed.
C. To qualify for rewards and to receive reimbursement on your ATM fee surcharges, you must perform the following during the monthly statement cycle:
• Have twelve (12) debit card purchases post and settle.
• Have at least one (1) automatic payment (ACH) or direct deposit post and settle.
• Enroll to receive eStatements through Online Banking.
D. For tax purposes Cash Back Rewards will be included on the annual 1099 INT notice to the IRS. Cash Back Rewards will be credited to your account on the first (1st) business day of the month following your statement.