Checking & Savings
Checking Accounts
Pacific Rewards Checking

Pacific Rewards Checking

Select the type of reward that suits your preferences.

Open Account

Pick Between Cash Back or Interest Rate

Choose between cash back or interest rate rewards—and start turning your spending into savings

Pacific Cash Rewards Checking

Get $0.10 cash back^CD for each debit card purchase transaction per statement cycle.*

Pacific Rate Rewards Checking

Enjoy our special reward rate. See rates below.

Open Account

Pacific Rate Rewards Checking Rates

Pacific Checking Rate Rewards
Account Type	Minimum Opening Deposit	Minimum Daily Balance to Earn APY^*	Interest Rate	APY^*
Rates are current as of today’s date. Rates are subject to change. * APY means annual percentage yield. Rate may change after account is opened. Fees could reduce earnings. ** Pacific Checking Rate Rewards Account – Rewards rate available when three easy steps are met: 1) Have at least 12 debit card purchases post and settle per monthly qualification cycle (excluding ATM processed transactions), 2) Have at least one automatic payment or direct deposit post and settle per monthly qualification cycle, and 3) Receive your account statement electronically (e-statements). + Blended yield may range from 0.25% to 0.05% APY. N/A means not applicable.
Account Type Pacific Checking Rate Rewards $20,000 and under^**	Minimum Opening Deposit $100.00	Minimum Daily Balance to Earn APY^* N/A	Interest Rate 0.25%	APY^* 0.25%
Account Type Pacific Checking Rate Rewards over $20,000.01^**+ (see yield range below)	Minimum Opening Deposit $100.00	Minimum Daily Balance to Earn APY^* $20,000.01	Interest Rate 0.05%	APY^* 0.05%
Account Type Pacific Checking Rate Rewards when requirements are not met^**	Minimum Opening Deposit $100.00	Minimum Daily Balance to Earn APY^* N/A	Interest Rate 0.02%	APY^* 0.02%

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.

ATM Refunds^B

ATM Refunds^B
Specialty Style Bank of the Pacific Checks

Specialty Style Bank of the Pacific Checks
Earn Tiered-Rate Interest

Earn Tiered-Rate Interest
Opening Deposit

Opening Deposit
Monthly Service Fee^**

Monthly Service Fee^**
Interest Bearing

Interest Bearing

Pacific Checking

ATM Refunds^B
Specialty Style Bank of the Pacific Checks
Earn Tiered-Rate Interest
Opening Deposit

$100
Monthly Service Fee^**

$5.95 ($3.95 if 60+)
Interest Bearing

No
Open online

Pacific Rewards Checking

ATM Refunds^B
Specialty Style Bank of the Pacific Checks
Earn Tiered-Rate Interest
Opening Deposit

$100
Monthly Service Fee^**

$7.95
Interest Bearing

Rate or Cash Rewards^CD
Open online

Pacific Premier Checking

ATM Refunds^B
Specialty Style Bank of the Pacific Checks
Earn Tiered-Rate Interest
Opening Deposit

$1,000
Monthly Service Fee^**

$35
Interest Bearing

Tiered Interest
Open online

Pacific Access Checking

ATM Refunds^B
Specialty Style Bank of the Pacific Checks
Earn Tiered-Rate Interest
Opening Deposit

$50
Monthly Service Fee^**

$10
Interest Bearing

No
Open in person

Everything You Need to Switch to Bank of the Pacific

This packet includes actionable steps you can take to transition from your previous bank to Bank of the Pacific.

View Packet

FAQs

Monthly service fee may be waived if:

you maintain a combined average daily balance of at least $25,000 in eligible linked Bank of the Pacific consumer deposit accounts^A during the statement cycle*
OR
you have twelve (12) debit card purchase transactions^E per statement cycle* AND accept statements electronically (eStatements) AND have one (1) ACH transaction per statement cycle*.

Not finding what you’re looking for? Contact us.

Explore Other Accounts

Pacific Premier Checking

Designed for those who carry higher balances and appreciate premium services. Enroll in eStatements to receive $0.10 Cash Back Rewards^D for each debit card purchase transaction per statement cycle.*

Learn more

Pacific Checking

Our standard checking account that covers all your basic needs.

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Disclosures

* 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.
** See individual account details for information on fee waiver requirements.
A. Eligible Deposit Accounts include consumer checking accounts, money market accounts, and savings accounts. Linked accounts must have a common direct owner.
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.
E. Please note that transactions MUST post and settle to your account during the monthly statement cycle, and may not be in a pending state. Transactions may take one or more banking days from the date the transaction was made to post and settle to an account. ATM processed transactions do not count as qualifying debit card transactions for purposes of earning cash rewards, higher reward interest rates, and refunds of ATM fees.