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PERSONAL

Checking

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PCB EZ Checking PCB Royal Checking 2 PCB Star Checking 4 PCB EZ Student Checking Deluxe Checking PCB Basic Checking Super Now Checking
Description Basic checking account featuring unlimited check-writing and no monthly fee1 Link with a VIP money market or a savings account to waive the monthly service charge and receive variety of benefits3 Link with a money market or a savings account to waive the monthly service charge and receive variety of benefits5 Easy and simple checking account that is specially designed to fit the needs of students6 Basic checking account with minimum requirements to waive the monthly service charge Lower cost checking for NY and NJ consumers 7 Interest-bearing checking account featuring unlimited check writing
Minimum Opening Deposit $100 $1,000 $100 $50 $100 $25 $2,500
Monthly Service Charge None $30 monthly service charge plus $0.25 per debit transaction $20 monthly charge plus $0.25 per debit transaction $5, with ATM surcharge refund up to $10 $7 monthly service charge and $0.25 per debit transaction $3 monthly service charge plus $0.50 per check in excess of 8 checks $10 monthly service charge and $0.25 per debit transaction
Ways to Waive Monthly Service Charge None Maintain daily balance $2,500 in PCB Royal Checking
Or
combined average balance $50,000
Maintain daily balance $500 in PCB Star Checking
Or
combined average balance $5,000
Or
Have direct deposits totaling $350
Conduct seven (7) Point of Sale transactions Maintain daily balance $500
or
average daily balance $1,000
None Maintain daily balance $2,500
or
average daily balance $5,000
Earns Interest No No No No No No Yes8
Internet Banking with Bill Pay Yes Yes Yes Yes Yes Yes Yes
Mobile Banking Yes Yes Yes Yes Yes Yes Yes
Telephone Banking Yes Yes Yes Yes Yes Yes Yes
Debit Card and ScoreCard Rewards Program Yes Yes Yes Yes Yes Yes Yes

1 If inactive for 6 months, account will be converted to Deluxe Checking.

2 PCB Royal Checking is the primary account and a secondary account must be linked and remain open. Secondary accounts must be a VIP Money Market or a Regular Savings. Primary account will be converted to Deluxe Checking if the secondary account is closed.

3 Three (3) free checkbooks, fee waived for cashier's check, fee waived for outgoing wire, fee waived for stop payment and ATM Surcharge refund monthly up to $10 for non-Pacific City Bank ATMs in the U.S.

4 PCB Star Checking is the primary account and a secondary account must be linked and remain open. Secondary account must be a Money Market or a Regular Savings. Primary account will be converted to Deluxe Checking if the secondary account is closed.

5 Free initial checkbook, fee waived for cashier's check and fee waived for stop payment.

6 Must be at least 16 years of age to apply. Students under 18 years of age must apply jointly with a parent/guardian. Proof of student status required at time of account opening. On or after 24th birthday, account will be converted to a checking account with similar features. Must sign-up to receive online statements.

7 Offered for New York and New Jersey consumers ONLY. Minimum balance required to maintain the account is $0.01.

8 Interest rates and annual percentage yields may change. If account is closed before interest is credited, accrued interest will not be paid.

For further account details, please contact or visit your nearest Pacific City Bank branch representative.

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