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SUMMER 2007 "FOCUS ON FINANCE"
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 Would you like to be alerted whenever your account balance falls below a specified amount, if a certain check has cleared, or if a deposit has been made?
You can now set up automated alert events based on your own criteria, and be sent an email alerting you to the event. Be assured that the message will not contain any personal financial information.
Now you can create, edit or delete E-Alerts like these:
- Checking Balance
- Checking Deposit
- Cleared Check
- Savings Balance
- Savings Deposit
- CD Balance
- Consumer Loan Balance
- Mortgage Balance
- Commercial Loan Balance
Here's what a sample E-Alert message, sent from mail@pacifictrustbank.com might look like:
Subject Line: Bank Alert Notification
Per your request, a message regarding your Checking account at Pacific Trust Bank is now available and can be viewed with your next log in to HomeAccess.
After you log in to HomeAccess, simply click on the Message link to read your alert message. It might look like this example:
You have requested to be notified when your account balance reaches a specific amount. Your current balance for account number 1234567890 is $875.58. Contact the Phone Banking Center at 877-441-BANK if you have questions regarding your account.
Be sure to take advantage of this valuable benefit of banking online through HomeAccess at Pacific Trust Bank.
An important part of our business at Pacific Trust Bank is to safeguard your account, including protecting you from fraudulent Debit Card charges. But, no matter how careful you are with your financial records, criminals still find ways to access your card information to make unauthorized purchases.
Premier Fraud Protection Service
We try to minimize any inconvenience protecting your accounts may cause. Unfortunately, however, when suspicious activity is identified, this may require us to temporarily block and/or replace your debit card. That’s why Pacific Trust works with a premier fraud protection service to monitor activity on your cards and notify us, and you, of any suspicious transactions.
We need you to know that your card may be blocked if suspicious card activity occurs. If things like unusually high purchase amounts, out of the ordinary merchants or uncharacteristic transactions originating in a foreign country are identified on your account, your card may be temporarily frozen.
Detecting Fraudulent Card Activity
When fraudulent card activity is suspected, like when you buy a big-ticket item at a store where you have no previous purchase history, you may be contacted immediately by a fraud analyst to verify the transaction.
If you tell us the transaction is valid, subsequent purchases will not be blocked. If card activity cannot be verified by you, the transaction will be marked as suspicious and your card will be blocked immediately.
Since you will be contacted by a fraud analyst soon after the first transaction in question, we ask that you make sure Pacific Trust has up-to-date home, work and mobile phone numbers on file at all times. When you are contacted by a fraud analyst, you will be asked to verify your identity, but never for your entire social security number.
GOING ON AN EXOTIC VACATION OR OVERSEAS TRIP?
Avoid having your debit card blocked. Just call Pacific Trust Bank prior to leaving, and tell us the dates and countries that you will be visiting. We'll note it on your account. Then, when you use your debit card, it won't be considered a suspicious transaction and your card won't be blocked. |
If we believe your card is being used illegally and we cannot reach you at the phone number on file, we may block your card for all additional transactions. Therefore it is crucial that you remember Pacific Trust’s phone number or keep it with you at all times, (877) 441-BANK, to call us in case your card is blocked and you are away from your contact phone.
HOW CARD FRAUD PROTECTION SERVICE WORKS
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The service has information about fraud that has occurred for other cardholders
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The service learns your normal spending patterns
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Based on a combination of this information, the service evaluates your transaction
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If the transaction is considered risky, a fraud specialist will contact you to verify if you authorized the transaction
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If you confirm the transaction is legitimate, there is no impact
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If you confirm that you did not authorize the transaction, that card is immediately blocked to stop more fraud from occurring
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If the fraud specialist cannot reach you, a message will be left and your card may be temporarily blocked until you return the call
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Fraud Service Center
If your Pacific Trust Bank debit card has been blocked due to suspicious transactions, and you have not yet spoken to a fraud analyst in this regard, call the Fraud Service Center at:
- (888) 241-2440; or
- (909) 941-1034 (collect - if calling from outside of the US)
If your card is ever lost or stolen, or you notice suspicious activity, please call us immediately at (877) 441-BANK during our business hours, or call (800) 754-4128 after hours and on weekends.
Does your business have excess funds sitting in one account and overdrafts, or funding nightmares, in another account?
Pacific Trust Bank's Zero Balance Account and Business Money Market Sweep Account service is an effective way to separate your cash flows while concentrating funds where it does your business the most good.
 Zero Balance Accounts
Our automated Zero Balance Account (ZBA) service is ideal for companies that need multiple disbursement and/or collection accounts, but can co-mingle funds to maximize earnings potential.
ZBA service is designed to ease your daily cash management functions by consolidating corporate checking account balances into one concentration account. With multiple ZBAs, you can deposit and disburse funds in the way that works best for your company.
You can set up different accounts for different types of payments (payroll, health care, vendors, general payables, etc.), or for multiple revenue sources, and for divisions or locations within your company that have decentralized authority for disbursement of funds.
ZBA service allows you to concentrate your funds, making excess amounts readily identifiable for investment or to pay down borrowings, and eliminating idle balances in multiple disbursement accounts.
How Zero Balance Accounts Work:
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Your primary business checking account is designated as a concentration account, which can then be automatically linked to any number of sub-accounts known as Zero Balance Accounts. These sub-accounts are non-interest bearing checking accounts that are forced to a zero balance at the end of each day.
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Excess funds held in, or deposits made to, a Zero Balance Account are credited to the corresponding concentration account. All check inclearings or other debits to each Zero Balance Account are funded automatically by the concentration account.
Control your account activity with ease! ZBAs give you the best of both worlds, allowing you to keep separate ZBA accounts for different purposes, yet maintain control by funding them through a single centralized account. Your cash is always where you need it. You'll never again have the situation where you have excess funds in one account, and overdrafts in another.
 Business Money Market Sweep Account
Reduce excess checking account balances, increase your return on collected funds, and cut the time and effort required to manage your bank accounts, with Pacific Trust Bank's Business Money Market Sweep Account service.
How the Sweep Account works:
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Pacific Trust Bank calculates the amount of collected funds in your Business Analyzed Checking account after all debits and credits have posted each day.
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Surplus collected funds above your pre-determined target balance are automatically swept by the Bank into your Business Money Market Sweep Account.
There’s no minimum deposit requirement at opening, no fee for sweep transfer service, and our Business Money Market Sweep Account rates are tiered – the larger the balance, the higher the interest rate.
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