Checking Accounts

At PacTrust Bank, you have a choice of personal checking accounts:

• Free Checking - Truly Free
• Value Checking- Interest-bearing and feature-rich
• Market Checking - For those who maintain high balances in their checking account.

And with all three you receive a Free MasterMoney Debit Card and HomeAccess Online Banking and Bill Payment service!

Click here for Business Checking Accounts.

Compare Checking Account Features 

Value Checking 

With all you have to keep track of, you don't need a high maintenance checking account. Your checking account should be easy to understand and offer you financial solutions. PacTrust’s Value Checking combines unlimited check-writing with interest-earning benefits AND unlimited FREE non-PacTrust ATM withdrawals.  If you are 60 or older, there no minimum balance requirement plus you get FREE checks!*

 Market Checking

Higher balances deserve higher yields.  That's why we offer a tiered-rate checking solution for your higher checking balances.  Unlimited check-writing and Unlimited FREE non-PacTrust ATM withdrawals, too!

Click Here for More Details or for Current Rates.

FREE Checking - TRULY FREE!

For those who want a truly FREE checking account – we offer FREE Checking, with no monthly service charges or per-check fees and no minimum balance requirements. FREE Checking is just what it sounds like - FREE. FREE Checking accounts are available to individuals for personal transactions, but not for business purpose accounts, corporations or other business entities.

* One box of standard logo checks per 12 months.

Overdraft Protection

• You can transfer funds in the exact amount of the overdraft, plus applicable fees, automatically from the available funds in another of your checking, regular savings or money market deposit** accounts and avoid the cost and embarrassment of having your transaction denied or check returned.  Ask your PacTrust Banker for more details.

** Per Federal regulations, the number of overdraft transfers per month from each savings account is limited. You may not make more than six withdrawals or transfers to another bank account of yours or to a third party by means of a pre-authorized or automatic transfer or telephonic order or instruction, including those initiated by check, draft, debit card, if applicable, or similar order to a third party. Overdraft transfer fees and excess activity fees may apply.

FDIC Insured - Your deposits are now federally insured to at least $250,000 per depositor by the Federal Deposit Insurance Corporation (FDIC), and your retirement funds on deposit at PacTrust Bank are separately insured by the FDIC up to an additional $250,000.

If your checking account is at another bank – compare their fees and service features to ours. We’re sure you’ll find that the best checking solutions are at PacTrust Bank!