Pacific National Bank

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Business Checking

Whether you’re a home-based business or a growing enterprise with locations around the country, we have a business checking account solution that can meet your needs. To learn more about the products and services listed below, contact your local branch.

Free Business Checking

Free Business Checking is ideal for small businesses, professional practices and sole proprietorships looking for an account with few restrictions.

  • No minimum balance requirement
  • No monthly account maintenance charge
  • Up to 200 FREE transactions per month (maximum of $10,000 per month in cash deposits)
  • FREE Visa® Check Card – earn BankRewards® points – 1 point for every $1 in net signature purchases
  • FREE online banking and bill payment
  • FREE online statements
  • Unlimited use of Pacific National ATMs
Unlimited Business Checking

Unlimited Business Checking is ideal for high transacting small businesses, professional practices and sole proprietorships.

  • Unlimited number of FREE transactions (maximum of $10,000 per month in cash deposits)
  • FREE Visa® Check Card – earn BankRewards® points – 1 point for every $1 in net signature purchases
  • FREE online banking and bill payment
  • FREE online statements
  • Unlimited use of Pacific National ATMs
  • No monthly account maintenance charge with $3,000 minimum daily account balance or $25,000 minimum daily combined deposit balances in business or personal accounts. Otherwise a $15 monthly account maintenance charge applies.
Interest Business Checking

Sole proprietors and non-profit organizations can earn interest on their checking balances with our Interest Business Checking account.

  • Unlimited number of FREE transactions (maximum of $10,000 per month in cash deposits).
  • FREE Visa® Check Card – earn BankRewards® points – 1 point for every $1 in net signature purchases
  • FREE online banking and bill payment
  • FREE online statements
  • Unlimited use of Pacific National ATMs
  • No monthly account maintenance charge with $5,000 minimum daily account balance or $25,000 minimum daily combined deposit balances in business or personal accounts. Otherwise a $15 monthly account maintenance charge applies.
Analyzed Business Checking

If your business maintains consistent balances and processes a lot of checks or deposits each month, you’ll want to super-size your checking account. Analyzed Business Checking allows your high balances to offset monthly service fees. Ask your banker if Analyzed Business Checking is right for your business.

Analyzed Business Checking service charges are based on account analysis. Please see our Business Banking Account and Schedule of Fees brochure for a list of service charges which may be applicable to your Analyzed Business Checking Account. Our bank also applies an earnings credit to business checking account balances for the purpose of reducing or completely offsetting the monthly service charges listed in the brochure.

The earnings credit is applied to the average daily available balance in the account, less 10.00% of the balance for the reserve requirement.

Business accounts with a negative average available balances are assessed a charge equal to the negative average uncollected balance times the earnings credit rate.

 

1 All Visa® BusinessRewards Check Cards tied to checking account accumulate points, but only one authorized person can redeem the points.