Personal Deposit Accounts

The following is a listing of all our personal accounts and any associated service charges and fees. If you have any questions or need additional information, please contact an account officer at one of our locations.

Personal Checking
This economic checking account provides you with unlimited check writing and a low minimum daily balance to maintain a service charge free account.

$500 minimum opening deposit.
No service charge if you maintain a $1,000 minimum daily balance or a $2,500 average balance during the monthly statement period.
$8 monthly fee if balance falls below minimum.
No per check fee.
ATM/Debit Card available.
Internet Banking and Bill Pay available for 24 hour account access.

Interest Checking
This tiered rate checking account provides the convenience of unlimited check writing capabilities and earns a higher rate of interest based on your account balance.

$500 minimum opening deposit.
No service charge if you maintain a $1,500 minimum daily balance or a $3,000 average balance during the monthly statement period.
$10 monthly fee if balance falls below minimum.
No per check fee for first 50 checks if you maintain a minimum daily balance of $1,500 during the monthly statement period.
$0.15 per check charge if balance falls below minimum.
ATM/Debit Card available.
Internet Banking and Bill Pay available for 24 hour account access.

Premium Interest Checking
This tiered rate checking account provides the convenience of unlimited check writing capabilities and earns interest based on your account balance.

$10,000 minimum opening deposit.
No service charge if you maintain a $10,000 minimum daily balance during the monthly statement period.
$10 monthly fee if balance falls below minimum.
No per check fee for first 50 checks if you maintain a minimum daily balance of $10,000 during the monthly statement period.
$0.15 per check charge if balance falls below minimum.
ATM/Debit Card available.
Internet Banking and Bill Pay available for 24 hour account access.

Money Market
This tiered rate account allows for unlimited withdrawals when made in person, by mail, by messenger/courier, or through an ATM and earns interest based on your account balance.

$2,500 minimum opening deposit.
No service charge if you maintain a $2,500 minimum daily balance or a $5,000 average balance during the monthly statement period.
$10 monthly fee if balance falls below minimum.
Six (6) pre-authorized debits per statement cycle.
$10 per item fee for each transaction beyond six per statement cycle.
ATM/Debit Card available.
Internet Banking and Bill Pay available for 24 hour account access.

Premium Money Market
This tiered rate account allows for unlimited withdrawals when made in person, by mail, by messenger/courier, or through an ATM and earns interest based on your account balance.

$10,000 minimum opening deposit.
No service charge if you maintain a $10,000 minimum daily balance during the monthly statement period.
$10 monthly fee if balance falls below minimum.
Six (6) pre-authorized debits per statement cycle.
$10 per item fee for each transaction beyond six per statement cycle.
ATM/Debit Card available.
Internet Banking and Bill Pay available for 24 hour account access.

Federal Funds Index
This account offers the highest interest rate of all our personal accounts. The interest rate is based on the West Coast Federal Funds rates paid to banks for overnight purchase of reserve funds.

$25,000 minimum opening deposit.
No service charge if you maintain a $25,000 minimum daily balance during the monthly statement period.
$25 monthly fee if balance falls below minimum.
Six (6) pre-authorized debits per statement cycle.
$25 per item fee for each transaction beyond six per statement cycle.
ATM/Debit Card available.
Internet Banking and Bill Pay available for 24 hour account access.

For detailed information on this account type, refer to the Deposit Agreement & Disclosures or call and account officer at one our locations.

Personal Savings
This low cost savings account allows easy access to your money while earning interest based on your account balance.

$100 minimum opening deposit.
No service charge if you maintain a $300 minimum daily balance during the monthly statement period.
$2 monthly fee if balance falls below minimum (except for minor accounts).
Six (6) pre-authorized debits per statement cycle.
Two (2) free withdrawals or transfers per statement cycle.
$1 per item fee for all withdrawals that exceed the statement cycle limit.
Internet banking available for 24 hour account access.

Time Certificates of Deposit
We offer both fixed and variable rate TCDs with terms varying from 30 days to 5 years to best fit your investment needs.

$2,500 minimum opening deposit.
Interest compounded daily.
Interest can be mailed to you in the form of a check, transferred to your TPNB checking or savings account, or reinvested into your TCD.
Early withdrawal penalties will be assessed at the time of the withdrawal.

For detailed information on this account type, refer to the Deposit Agreement & Disclosures or call and account officer at one our locations.

CD Rates

Individual Retirement Account (IRA)
Two different TCDs are available for IRAs depending on the number of contributions that are to be made each year: 1 year fixed rate or 18 month variable rate.

$250 minimum opening deposit.
$15 annual trust fee per plan.
$10 distribution fee.
$15 termination/transfer out fee.
$60 marital dissolution fee.

Interest rates, fees, and charges are subject to change at any time.

Safe Deposit Box
This service is only offered to Trans Pacific National Bank customers.

Annual Rent:
3” x 5”                                     $35
5” x 5”                                     $45
3” x 10”                                   $60
5” x 10”                                   $80
10” x 10”                                 $120
Key Deposit $10/key
Forced Entry $25 + cost

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