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  Pacific City Bank Basic Checking Account
Pacific City Bank Basic Checking Account
in Checking Accounts from Pacific City Bank · Member FDIC
Unaffiliated

Pacific City Bank Basic Checking Account

Unaffiliated
in Checking Accounts from Pacific City Bank · Member FDIC
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Highlights
Cashback Rewards N/A
APY (Annual Percentage Yield) 0%
Monthly Fee $3
Minimum Balance to Avoid Monthly Fee N/A

Pacific City Bank Basic Checking Account Review

Pacific City Bank Basic Checking Account is offered by Pacific City Bank savings accounts, a bank founded in 2003 and based in Los Angeles, CA. Pacific City Bank Basic Checking Account is available in 7 states across the USA.

Key Takeaways

  • 0% APY. As with most checking accounts, Pacific City Bank Basic Checking Account does not pay interest.
  • Charges a monthly fee. This account charges a monthly service fee of $3.
  • Bill pay. Pay your bills to practically anyone in the United States through Pacific City Bank.

Pacific City Bank basic checking Pros & Cons

Pros Cons
  • Access to physical branches.
  • Free debit card and the option to lock/unlock the card if lost or stolen
  • No signup bonus.
  • Does not earn interest
  • Does not provide access to a nationwide ATM network.
  • Only available in 7 states.
  • Monthly service charge.
  • Charges a fee on out-of-network ATM transactions.

Pacific City Bank basic checking FAQ

Are checking accounts from Pacific City Bank federally insured?

Yes, your deposits are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC #57463). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What APY does Pacific City Bank basic checking offer?

Pacific City Bank basic checking is not an interest-bearing account.

What are the account minimums for Pacific City Bank basic checking?

Pacific City Bank basic checking requires a minimum initial deposit of $25 to open an account.

Pacific City Bank Basic Checking Account Minimums
Description
Minimum Opening Deposit Starting at $25

What fees does Pacific City Bank basic checking charge?

This account charges a monthly service fee of $3.

Pacific City Bank Basic Checking Account Fees
Description
Monthly Fee $3
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $1
NSF Fee $30
Overdraft Item Fee $30
Overdraft Protection Fee (per transfer) $30
Returned Deposit Fee (Domestic) $13
Returned Deposit Fee (International) $13
Stop Payment Fee $27
Wire Transfer Fee - Domestic (Incoming) $10
Wire Transfer Fee - International (Incoming) $22
Online Bill Pay Fee $0

Does Pacific City Bank basic checking charge overdraft fees?

Yes, Pacific City Bank basic checking charges a $30 fee for every overdraft. You can get overdraft protection at a cost of $30 per transaction.

What features and perks does Pacific City Bank basic checking offer?

This account includes the following features:

  • Fraud monitoring - Pacific City Bank basic checking monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - Pacific City Bank basic checking allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.

What is the customer support email for Pacific City Bank basic checking?

The customer support email for Pacific City Bank basic checking is info@paccitybank.com.

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Message From Pacific City Bank basic checking

Basic Checking, Lower cost checking for NY and NJ consumers.

Availability

  Available in 7 states
  • California
  • Colorado
  • Georgia
  • Illinois
  • New York
  • Virginia
  • Washington

Feature Breakdown

Minimum Opening Deposit Starting at $25
Monthly Fee $3
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $1
NSF Fee $30
Overdraft Item Fee $30
Overdraft Protection Fee (per transfer) $30
Returned Deposit Fee (Domestic) $13
Returned Deposit Fee (International) $13
Stop Payment Fee $27
Wire Transfer Fee - Domestic (Incoming) $10
Wire Transfer Fee - International (Incoming) $22
Online Bill Pay Fee $0
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
Account Features
  • Free Bill Pay
  • Mobile Check Deposit
  • Mobile Banking
  • Fraud Monitoring
  • Debit Card Lock/Unlock
  • Fraud Protection
  • Debit Card
  • Branch Access
  • Member FDIC
APY (Annual Percentage Yield) 0%

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