Business Solutions

Pacific West Bank is here to help grow your business with our hands-on approach. We want to get to know you, understand your business and what you need to be successful, then help you find the right solutions to make banking easy. We don’t have red tape or black holes; we have real people ready to become your trusted advisor.

Business Lending

We’re here to help with your ongoing operational business lending needs. Whether you need a line of credit, commercial real estate loan, equipment loan, or executive credit line, we have the lending options to meet your needs. Let one of our Relationship Officers find a custom solution for you and your business.1

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Business Checking Accounts

Compare Accounts

We offer a full suite of business deposit accounts with features and flexibility to meet your unique needs. We’re here to simplify your day-to-day banking needs.

Business

Community Choice Business Checking

Community Plus Business Checking

Analyzed Checking

Community Plus Business Interest Checking

Account Description

Great for small businesses, non-profits, and other businesses with lower transaction needs.

Perfect for businesses with medium-high transaction volume.

For companies with higher transaction volume, where earnings on the account help offset fees.

 Perfect for small or medium sized businesses that would like to earn interest on balances maintained

Interest Bearing

No

No

Earnings credit based on balance maintained

Yes, Tiered

Checks/Transactions

 First 50 checks and 20 deposits per month free2

 First 250 checks and 40 deposits per month free2

$0.13 per item 

 First 50 checks and 20 deposits per month free2

Monthly Service Charge

None

No monthly service charge with $5,000 minimum daily balance.

Otherwise, $9.95

No monthly service charge with $1,000 minimum daily balance.

Otherwise, $9.95

No monthly service charge with $3,000 minimum daily balance or $5,000 average daily balance.

Otherwise, $9.95

 

Ownership Restrictions

No restrictions – available to any business

No restrictions – available to any business

No restrictions – available to any business

Registered not-for-profit, government agencies, or sole proprietorships only

All of our business deposit accounts include:

  • Free Online and Mobile Business Banking
  • Free Online Business Bill Pay*
  • No charges to access thousands of MoneyPass® ATMs nationwide3
  • No charge for our business VISA Debit Card4
  • Free check images with your easy-to-balance monthly statement
  • Free Overdraft Protection when you link your account to a Pacific West Bank business money market or savings account5

*Fees may apply for rush payments.

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Business Reserve Accounts

Community Growth Business Money Market, Savings, and Certificates of Deposit6

If you have money that you want to set aside for future purchases, tax savings, or general excess funds, pair your checking with a Community Growth™ Money Market, Savings Account, or Certificate of Deposit for greater earnings. We offer competitive rates with a wide range of features and benefits to consider.

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Treasury Management Services

We offer a full line of account services to help give your business a competitive advantage.

Business Online Banking

  • No cost for business online banking
  • Check balances, view account activity, transfer funds, view check images, access monthly statements, and set up alerts
  • Distinct logins and user profiles with ability to customize user access
  • Multifactor authentication (MFA) available for added security.
  • Web Connect Integration with accounting software such as QuickBooks and QuickBooks Online

Business Bill Pay

  • No cost for business online bill payment
  • Go Green, and make a difference by turning off paper and switching to eBills and online bill pay
  • Ability to customize user access including secondary approval requirement
  • Set-up E-mail Alerts to notify you of due dates, when payments will be posted, sent, etc.
  • Create different payee groups to simplify the payment process.

Mobile Business Banking

  • No cost, available in the App Store and Google Play
  • Check business account balances, view recent transactions, including check images, and transfer money between accounts
  • Deposit checks by snapping a picture of each check, and view deposit history in the app
  • Approve transactions scheduled through Business Online, including fund transfers, ACH transfers and wire transfers
  • Review and approve Positive Pay exceptions, and receive alerts when approvals are pending

Remote Deposit Capture

  • Deposit checks from the convenience of your office, any time that you like
  • Support is handled locally by our banking team.
  • Deposit multiple checks using a batch feed check scanner
  • Daily deposit reports are generated after submitting and can include check images
  • $50 per month, which includes rental of the equipment and access to the fully integrated system within business online banking

ACH Origination & Online Wires

  • Originate ACH files and send wire transfers from business online banking
  • Ability to have individual limits and dual control approvals
  • Automated notification system sends emails when transactions are generated for approval and once completed
  • MFA required including token generated codes (hard or soft token)
  • ACH Origination is $10 per month, $2.50 per batch/file submitted, and $0.13 per transaction
  • Online Wires are $15 for Domestic and $50 for International transfers

Check and ACH Positive Pay Automated fraud detection tool

  • Check Positive Pay matches the account number, check number and dollar amount of each check presented for payment against a list of checks previously authorized and issued by the company
  • ACH Positive Pay matches the company ID, transaction type and amount threshold to only allow payments authorized by the company
  • Ability to customize user access levels for defined roles and responsibilities
  • Customized reporting for account reconciliation
  • $50 per month for check Positive Pay and/or $50 per month for ACH Positive Pay

Business Debit Card

  • No cost for our business Visa branded Debit Card
  • Surcharge free access to thousands of MoneyPass® ATMs nationwide
  • For locations visit: moneypass.com

Card Manager

  • Protect your debit card by sending transaction alerts and define when, where and how your card is used
  • Alerts for PIN and signature transactions can be set up to keep you informed of your debit card usage and help you quickly detect unauthorized or fraudulent activity
  • Location-Based Alerts and Controls, Usage Alerts and Controls, and Card On/Off Setting are also available

Business Credit Cards

  • We are proud to partner with Elan Financial Services to provide a suite of business credit card products that let you choose what you value most from your card
  • Both points and cash back card options are available
  • EMV smart chip technology for added security
  • Mobile purchasing capability for added convenience
  • Separate business expenses, manage cash-flow and track spending

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Merchant/Credit Card Processing Services

  • Customized solutions to fit the scope and demands of your business
  • Various turnkey payment solutions enable you to accept every type of payment and give your business the tools you need to succeed

Advantage Sweep

  • We have partnered with a network that can provide up to $30 million of additional FDIC insurance
  • FDIC insurance is borrowed from other well-capitalized banks that participate in the program
  • Separate statement will be generated and delivered
  • Interest is variable, subject to change and is credited to the account monthly7

CONNECT WITH A BANKER

1. Loans are subject to credit approval. 
2. No service charge for first 50 checks and 20 deposits per month; $0.20 per check or deposit thereafter.
3. Non-MoneyPass® ATMs may impose an ATM surcharge.
4. Visa Debit Card: Transactional, inactivity, or lost/stolen card fees may apply.
5. Overdraft protection transfers in $100 increments; sufficient money market or savings balance must be maintained to cover checks or insufficient funds charges may apply. 
6. Activity limitations, monthly service charges, and early withdrawal penalties may apply.
7. Rate determined based on each individual client relationship.

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