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  Pacific City Bank EZ Checking Account

Pacific City Bank EZ Checking Account

in Checking Accounts from Pacific City Bank · fdic

Unaffiliated

Pacific City Bank EZ Checking Account

Unaffiliated

in Checking Accounts from Pacific City Bank · Member FDIC

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Highlights
Monthly Fee $0
ATM Fee: Out-of-Network $1
Minimum Balance to Avoid Monthly Fee N/A
APY (Annual Percentage Yield) N/A

Pacific City Bank EZ Checking Account Review

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

Key Takeaways
  • $0 monthly fee. This account does not charge a monthly Service Charge.
  • $100 minimum deposit. This is a typical minimum initial deposit, but there are accounts that require a smaller initial deposit or have no minimum.
  • Bill pay. Pay your bills to practically anyone in the United States through Pacific City Bank.
Pacific City Bank ez checking Pros & Cons
Pros Cons
  • Access to physical branches.
  • Free debit card and the option to lock/unlock the card if lost or stolen
  • Access to a nationwide network of ATMs.
  • No signup bonus.
  • Does not earn interest.
  • Only available in 7 states.
  • Charges a fee on out-of-network ATM transactions.
Pacific City Bank ez checking FAQ

Are checking accounts from Pacific City Bank federally insured?

Yes, your Pacific City Bank checking accounts 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 ez checking offer?

Pacific City Bank ez checking is not an interest bearing account.

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

Pacific City Bank ez checking requires a minimum initial deposit of $100 to open an account.

Pacific City Bank EZ Checking Account Minimums
Description
Minimum Opening Deposit Starting at $100

What fees does Pacific City Bank ez checking charge?

The good news is that this account does not have a monthly Service Charge.

Pacific City Bank EZ Checking Account Fees
Description
ATM Fee: In-Network $0
Monthly Fee $0
Online Bill Pay Fee $0
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
ATM Fee: Out-of-Network $1

Does Pacific City Bank ez checking charge overdraft fees?

Yes, Pacific City Bank ez checking charges a $30 fee for every overdraft.

Pacific City Bank ez checking offers overdraft protection at a cost of $30 per transaction.

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

This account includes the following features:

  • Fraud monitoring - Pacific City Bank ez 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 ez 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.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.

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

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

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Message From Pacific City Bank EZ Checking Account

EZ Checking, a Basic checking account featuring unlimited check-writing and no monthly fee. 

Availability

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

Feature Breakdown

Minimum Opening Deposit Starting at $100
ATM Fee: In-Network $0
Monthly Fee $0
Online Bill Pay Fee $0
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
ATM Fee: Out-of-Network $1
Account Features
  • Member FDIC
  • Branch Access
  • Debit Card
  • Free Bill Pay
  • Fraud Protection
  • Debit Card Lock/Unlock
  • Fraud Monitoring
  • Mobile Banking
  • Nationwide ATM Network
  • No Monthly Maintenance Fee
  • Mobile Check Deposit

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