Other Services

PacTrust Bank provides the banking products and services that its customers need. By keeping our business focused on what we do best, we can provide better service.

Our main business lines are Loans and Deposit products and related transaction services. Other banking-related services that are available at PacTrust Bank include:

Direct Deposit

Safe Deposit Boxes

Wire Transfers

U.S. Savings Bonds

CoinMax self-service coin machines

Notary Public Services (free for Pacific Trust Bank documents, a $10 Notary service fee per signature is applicable for other documents)

Bank Checks

A “bank” check is often referred to as Teller Check, Official Check, or Cashier’s Check. Bank checks are negotiable items that can only be purchased with available funds from a person’s account or cash. Currently, Pacific Trust only offers Official Checks and Cashier’s Checks to its customers.

Bank checks are different from the checks customers write from their own account because they are purchased with “guaranteed” funds; this makes a bank check comparable to cash. Because of this cash-like quality, it is against the law to “wrongfully refuse” to pay a bank check, and a purchaser of a bank check may not stop a bank check from being paid. Therefore, a bank check can only be replaced if the original check has been lost, stolen, or destroyed.

Cashier's Checks are a special category of bank check for which a replacement check can only be issued to the payee under special circumstances and following the posting of a bond.

At this time, PacTrust Bank charges $2.00 for an Official Check (this fee may be waived if the customer has a Super or High Yield Checking account). All customers are charged $5.00 for each Cashier’s Check, unless an exception to this fee under special circumstances is granted by a Bank Officer.