Our Checking accounts are designed to:

  •  Provide feature-rich account options to fit the checking needs of most consumers.
  •  Provide better support to our New Account Opening CARE process and customer onboarding efforts.
  •  Enhance our customer's experience for both In-Lobby and Online transactions.
     
The following chart allows you to easily compare your checking account options -
 

Checking Account Comparison

Account 
Options

Pacific
Checking

Pacific Rewards
Checking

Pacific Premier
Checking

 Account
 Benefits

Covers all your basic
checking needs

 

-  VISA Debit Card
-  eStatements
-  Online Banking w/ Bill Pay

Mobile Banking
-  Free Mobile Deposit
-  Unlimited Checkwriting  
       

 

Choose either
Cash RewardsC or Rate Rewards

-  VISA Debit Card
-  eStatements
-  Online Banking w/ Bill pay
-  Mobile Banking
Free Mobile Deposit
-  Unlimited Checkwriting
ATM Fee Refunds1  

Premium Benefits 

 VISA Debit Card
-  eStatements
 (Cash RewardsC paid when actively enrolled in eStatements)
-  Online Banking w/ Bill Pay
-  Mobile Banking
-  Free Mobile Deposit

-  Unlimited Checkwriting
-  Free Specialty Style Bank Checks
-  ATM Fee Refundsand more! 

 Opening
 Deposit


$100

$100 $1000
 Monthly
 Service 
 Fee
$5.95
$3.95 if 60+
$7.95 $35.00
 Fee
 Waiver
 Requirement

Avg. Daily Bal of $500
OR  Combined Avg Daily BalAB  of $2500
OR  12 Debit Card Purchase Transactions 
per statement cycleD
OR eStatements

Avg. Daily Bal of $1000 OR Combined Avg
Daily BalA of $5000 
OR
12 Debit Card Purchase Transactions per
statement cycleD
AND  eStatements
AND  1 ACH Transaction per statement cycleD

Avg. Daily Balance of $20,000

  OR

Combined Avg Daily BalA of $50,000

 Interest 
 Bearing
NO Rate
OR
Cash RewardsC
Tiered Interest
 
 
   


1  If you have met your qualifications for the month, we will reimburse you up to $20 per monthly qualification 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. Debit Card transaction MUST post to and settle your account during the monthly qualification cycle.  They may not be in a pending state to qualify as one of    the qualifications. Transactions may take one or more banking days from the date the transaction was made to post and settle an account.  Please refer to Account Disclosures.
    A. Eligible Deposit Accounts include Consumer Checking Accounts, Money Market Accounts, and Savings Accounts.  Linked accounts must have a common direct owner.
    B. Eligible Loans include Consumer Installment Loans, Personal Lines of Credit, Home Equity Loans/Lines of Credit, or Real Estate Loans not sold on the secondary market (Freddie mac, FHA, VA, USDA and others).  Linked accounts must have a common direct owner. 
    CFor 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 1st business day of the month following your statement. Account qualifications of 12 debit card purchases, 1 ACH transaction and eStatements must be met to receive rewards. ATM transactions do not qualify.  Please see Pacific Rewards Checking page for current reward amount.
    DStatement Cycle and “Monthly Qualification Cycle” mean the current statement cycle which is defined as the 1st of the month through the last day of the month.  Debit Card transactions MUST post and settle to your account during the monthly qualification cycle.  They may not be in a pending state to qualify as one of the qualifications.  Transactions may take one or more banking days from the date the transaction was made to post and settle an account.  Please refer to Account Disclosures.