Personal Checking

We have the account you are looking for.

Trans Pacific National Bank is committed to providing products and services that respond to the unique and individual needs of the people in our communities. We have all of the solutions for your entire personal banking portfolio. We provide personalized services and take the time to make sure that all of your personal banking needs are fulfilled.

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.

Account Name Personal Checking Interest Checking Premium Interest Checking Money Market Premium Money Market Fed Funds Index
Unlimited check writing and a low minimum daily balance to maintain a service charge free account Earns a higher rate of interest based on account balance Tiered interest rate based on account balance Tiered interest rate based on account balance Tiered interest rate based on account balance Interest rate is based on the West Coast Federal Funds rates paid to banks for overnight purchase of reserve funds.
Minimum Opening Deposit: $500 $500 $10,000 $2,500 $10,000 $25,000
Monthly Service Charge: No service charge with 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 service charge with 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 service charge with a $10,000 minimum daily balance during the monthly statement period. $10 monthly fee if balance falls below minimum. No service charge with 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. No service charge with a $10,000 minimum daily balance during the monthly statement period. $10 monthly fee if balance falls below minimum. No service charge with a $25,000 minimum daily balance during the monthly statement period.  $25 monthly fee if balance falls below minimum.
Interest: * Non-interest bearing checking account Earns a higher rate of interest based on account balance Tiered interest rate based on account balance Tiered interest rate based on account balance Tiered interest rate based on account balance Interest rate is based on the West Coast Federal Funds rates paid to banks for overnight purchase of reserve funds
Check Writing / Debits: Unlimited Check Writing Waived for first 50 checks with a minimum daily balance of $1,500 during the monthly statement period.  $0.15 per check if balance falls below minimum. Waived for first 50 checks with a minimum daily balance of $10,000 during the monthly statement period.  $0.15 per check 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. Six (6) pre-authorized debits per statement cycle.  $10 per item fee for each transaction beyond six per statement cycle. Six (6) pre-authorized debits per statement cycle.  $25 per item fee for each transaction beyond six per statement cycle.
Other Benefits: ATM/Debit Card available. ATM/Debit Card available. ATM/Debit Card available. ATM/Debit Card available. ATM/Debit Card available. ATM/Debit Card available.
Internet Banking and Bill Pay Internet Banking and Bill Pay Internet Banking and Bill Pay Internet Banking and Bill Pay Internet Banking and Bill Pay Internet Banking and Bill Pay
available for 24 hour account access. available for 24 hour account access. available for 24 hour account access. available for 24 hour account access. available for 24 hour account access. available for 24 hour account access.

* For detailed information on any of these accounts or current interest rates refer to the Deposit Agreement & Disclosures or call an account officer at one our locations.