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Products and Services: Personal Checking and Savings
We have tailored our checking accounts to match your expectations. One size does not fit all, but, we believe we have one that will comfortably fit your needs. All of our checking accounts entitle our customers access to their money by check, ATM, telephone, or online banking. All accounts are FDIC insured.

On a daily basis, The Bank's computer system will arrange all checks presented for payment in check number order, as written. These checks will then be paid against your account in that order.


NON-INTEREST BEARING ACCOUNTS
Free!

ESSENTIAL CHECKING

  • $100 minimum opening deposit
  • No monthly service charge
  • Unlimited check writing
  • No per check charge
  • No minimum balance required
  • Notary Service
  • Check Safekeeping
  • 24-Hour Telebank Service 1-888-366-3267
  • Free Online Banking www.thebankofpacific.com
  • Free ATM - use our ATMs at no charge
  • Free Check Imaging
INTEREST BEARING ACCOUNTS

DREAM CHECKING

  • $100 minimum opening deposit
  • No monthly service charge
  • Unlimited check writing
  • No per check charge
  • Earn high interest rates and Nation-wide ATM fee refunds when 3 simple monthly requirements are met:
    1. Complete 12 debit card transactions per qualification cycle
    2. Set up one Direct Deposit or one ACH automatic debit, monthly
    3. Accept E-Statements, when available
  • Interest compounded daily and credited monthly
  • Free basic logo checks
  • Free Online Banking
  • Free CheckFree Web Bill Pay
  • Valid e-mail address required
  • APY = Annual Percentage Yield
  • Interest rate and APY may change at bank's discretion
  • If you close your account before interest is credited, you will not receive the accrued interest.
  • The split tiered structure may create a blended final yield.
  • Rate effective as of May 01, 2008

Contact your local branch for additional information or to open your account today.

Free!

ESSENTIAL CHECKING 50+

  • $100 minimum opening deposit
  • No monthly service charge
  • Unlimited check writing
  • No per check charge
  • $1,000 minimum balance to obtain disclosed annual percentage yield
  • Interest compounded daily and credited monthly
  • Free basic bank logo checks
  • Free Medallion Service on official documents
  • Free CheckFree Web Bill Pay
  • Notary Service
  • Check Safekeeping
  • 24-Hour Telebank Service 1-888-366-3267
  • Free Online Banking www.thebankofpacific.com
  • Free ATM - use our ATMs at no charge
  • Free Check Imaging
  • Interest rate and APY may change at bank's discretion
  • If you close your account before interest is credited, you will not receive the accrued interest

See related brochures for additional disclosures that may affect your account

SUPER BONUS CHECKING

  • $100 minimum opening deposit
  • Free basic bank logo checks
  • Unlimited check writing
  • Free CheckFree Web Bill Pay
  • Accidental Death Insurance
  • Identity Theft Insurance
  • Credit Card Protection
  • Key Ring Protection
  • Savers Club Discount Book
  • Sojourns Magazine Subscription
  • Notary Service
  • Check Safekeeping
  • No issue Fee on Travelers Checks , maximum three issues per month
  • No Issue Fee on Money Orders, maximum three issues per month
  • Everyday Rebate Rewards
  • Date Reminder Service
  • Auto Buying Service & Maintenance Discounts
  • Auto Trip Routing
  • Bonus Travel & Travel Savings
  • $50.00 Off Next Loan Fee
  • 50% Off small safe deposit box
  • $5,000 minimum balance to obtain disclosed annual percentage yield
  • Interest compounded daily and credited monthly
  • $6.35 monthly service charge (customers under 50 years of age)
  • $4.35 monthly service charge (customers over 50 years of age)
  • 24-Hour Telebank Service 1-888-366-3267
  • Free Online Banking www.thebankofpacific.com
  • Free ATM - use our ATMs at no charge
  • Free Check Imaging
  • Interest rate and APY may change at bank's discretion.
  • If you close your account before interest is credited, you will not receive the accrued interest.

See related brochures for additional disclosures that may affect your account

NOW CHECKING

  • $1,000 minimum opening deposit
  • Unlimited check writing
  • Interest compounded daily and credited monthly
  • No monthly service charge for balances of $1,000 or more
  • $7.95 service charge if balance falls below $1,000
  • Check Safekeeping
  • $1,000 minimum balance to obtain disclosed annual percentage yield
  • The interest rate and Annual Percentage Yield may change at our discretion
  • If you close your account before interest is credited, you will not receive the accrued interest

See related brochures for additional disclosures that may affect your account

CLASSIC SAVINGS

  • $100 minimum opening deposit
  • Interest compounded daily and credited quarterly
  • No monthly service charge fee for balances of $250 or more or for individuals 50 years of age or older and those under 18 years of age
  • $250 minimum balance to obtain disclosed annual percentage yield
  • $3.00 quarterly service charge if balance falls below $250
  • $1.00 per item fee for each withdrawal in excess of nine per calendar quarter
  • Limited to 6 preauthorized transfers per month
  • Interest rate and APY may change at bank's discretion.
  • If you close your account before interest is credited, you will not receive the accrued interest.

See related brochures for additional disclosures that may affect your account

EASY SAVER SAVINGS

  • $5.00 minimum deposit to open
  • Unlimited deposits
  • No service charge fee
  • Earns .25% less than regular savings
  • Interest compounded daily and credited quarterly
  • Quarterly statements
  • Limited to 6 preauthorized transfers per month
  • Interest rate and Annual Percentage Yield may change at bank's discretion.
  • If you close your account before interest is credited, you will not receive the accrued interest.
  • An early account closure fee of $25.00 will be charged if the account closes within 90 days of opening

See related brochures for additional disclosures that may affect your account

CHILDREN'S SAVINGS ACCOUNT

THE BEAR AT THE BANK

  • Ages: 1 day to 12 years old
  • $5.00 Minimum opening deposit
  • No minimum balance
  • Interest compounded daily and credited quarterly
  • No minimum balance to obtain the disclosed annual percentage yield
  • No monthly service charge
  • $1.00 per item fee for each withdrawal in excess of nine per calendar quarter
  • Limited to 6 preauthorized transfers per month
  • If the account is closed before Interest is credited, accrued interest will not be paid
  • Coin Bank for opening account
  • Receive a sticker for deposits under $5.00
  • Pick a gift from Mr. Treasure Bank's Treasure Chest for deposits $5.00 and over
  • Interest rate and APY may change at bank's discretion.
  • If you close your account before interest is credited, you will not receive the accrued interest.

MONEY MARKET ACCOUNTS

MONEY MARKET

  • $2,500 minimum opening deposit
  • Interest compounded daily and credited monthly
  • No monthly service charge for balances of $2,500 or more
  • $10.00 service charge if balance falls below $2,500
  • Check Safekeeping
  • Limited to 6 debits per statement cycle (no more than 3 by check)
  • $10.00 excess transaction fee
  • The interest and Annual Percentage Yield may change at our discretion
  • If you close your account before the interest is credited, you will not receive the accrued interest

See related brochures for additional disclosures that may affect your account