Non-profit Solutions

Pacific West Bank is here to support your non-profit organization with streamlined banking solutions. We want to get to know you and your community, understand your needs and how to bring you banking efficiency. We don’t have red tape or black holes, we have real people ready to become your trusted advisor.

Non-profit Lending

We are here to help with your ongoing lending needs. Whether you are looking for a line of credit or commercial real estate loan, we have the tools and expertise to partner with you. We will discuss your goals and create a custom solution to support your mission.

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Non-profit Checking Accounts

Compare Accounts

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

Nonprofit

Community Plus™ Business Interest Checking

Community Choice™ Business Checking

Community Plus™ Business Checking

Analyzed

Checking

Account Description

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

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.

Interest Bearing

Yes, tiered

No No Earnings credit based on balance maintained

Checks/Transactions

First 50 checks and 20 deposits per month free1

First 50 checks and 20 deposits per month free1 First 250 checks and 40 deposits per month free1 $0.13 per item

Monthly Service Charge

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

Otherwise, $9.95

 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

 

Ownership Restrictions

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

No restrictions – available to any business No restrictions – available to any business No restrictions – available to any business

All of our non-profit deposit accounts include:

  • Free Online and Mobile Business Banking
  • Free Online Business Bill Pay
  • No charges to access thousands of MoneyPass® ATMs nationwide2
  • No charge for our business VISA Debit Card3
  • 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 account4

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Business Reserve Accounts

Community Growth Savings and Certificates of Deposit

If you have money that you want to set aside for a rainy day or for future purchases, pair your checking or money market account with a Community Growth™ Savings Account or Certificate of Deposit for greater earnings. Savings accounts offer greater flexibility, while Certificates of Deposit offer competitive rates over a wide range of timeframes.

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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 & Bill Pay

  • No cost for business online banking or business bill payment
  • Check balances, transfer funds, pay bills online, initiate ACH file processing, view check images, set up alerts and much more
  • Distinct logins and user profiles with ability to customize user access
  • Multifactor authentication (MFA) available at login for added security
  • Integration with accounting software such as QuickBooks, QuickBooks Online

Mobile Business Banking

  • No cost, available in the App Store and Google Play
  • Manage Your Accounts: check business account balances, view recent transactions, including check images, and transfer money between accounts
  • Deposit Checks: deposit checks by snapping a picture of each check, and view deposit history in the app
  • Review and Approve: 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

  • $50 per month, includes rental of the equipment, access to the online system, and unlimited support from our local team
  • Deposit checks from the convenience of your office, any time that you like
  • We provide the support internally
  • We’ll get you set-up and help you out along the way
  • Deposit multiple checks using a batch feed check scanner we provide

ACH Origination & Online Wires

  • Send out wires and ACH transaction from your 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

Positive Pay – Check and/or ACH

  • $50 per month for check Positive Pay and/or $50 per month for ACH Positive Pay
  • Automated fraud detection tool that 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.

Business Debit Card

  • No cost for our business Visa branded Debit Card
  • Surcharge free access to thousands of MoneyPass® ATMs nationwide
  • Download the free MoneyPass® ATM locator app or 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

Nonprofit Credit Card

  • We are proud to partner with Elan Financial Services to provide the CommUNITY nonprofit credit card
  • No personal guarantees required
  • Corporate billing and employee cards are available
  • Both points and cash back card options are available
  • EMV smart chip technology for added security
  • Mobile purchasing capability for added convenience
  • Separate 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
  • Loaner equipment is available for fundraising events or one-off processing needs

Advantage Sweep

Pacific West Bank has partnered with a network that provides additional FDIC insurance to our clients up to $30 million! Here is how it works:

  • Client determines a daily target balance for the account.
  • For deposits that exceed the target balance, FDIC insurance is borrowed from other well-capitalized banks that participate in the program.
  • The sweep of funds occurs overnight; funds are deposited back to the PWB account the following business day.
  • Funds are always protected by FDIC insurance and may earn a higher rate of interest than a standard account***.
  • Interest is variable, subject to change and is credited to the account monthly; separate statement will be generated and delivered to client.

***Rate determined based on each individual client relationship.

1. No service charge for first 50 checks and 20 deposits per month; $0.20 per check or deposit thereafter.
2. Non-MoneyPass® ATMs may impose an ATM surcharge.
3. Visa Debit Card: Transactional, inactivity, or lost/stolen card fees may apply.
4. Overdraft protection transfers in $100 increments; sufficient money market or savings balance must be maintained to cover checks or insufficient funds charges may apply.

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