Banking Services

• Business Accounts 
• Personal savings and Checking Accounts 
• High-Yield Savings 
• Overdraft Protection 
• Service Quality Guarantee 
• Customer Service Team 
• HomeAccess Online Banking 
• Deposit Options 
• Direct Deposit 
• Shared Branch Network 
• ATM and Debit Cards 
• MasterCard SecureCode 
• ATM Locations 
• Safe Deposit Boxes 
• Wire Transfers 
• About FDIC Insurance 
• Account Disclosures 
• Touch-Tone Teller 
• US Savings Bonds
• "CoinMax" coin machines 
• Other Services 

HomeAccess Online Banking
and Bill Payments

• HomeAccess Online Banking Info 
• HomeAccess Log-In 
• Enroll Online for HomeAccess 
• Online Banking Security 
• HomeAccess & Bill Payment Agreement 
• Bill Payment Service Information 
• Timely Payment Guarantee 

• Regular Savings 
• High-Yield Savings 
• Savings Accumulation Plan Account 
• Private Account 

Checking Accounts

• Basic Checking 
• Super Checking 
• High-Yield Checking 
• Basic Business Checking 
• Overdraft Protection 

Money Market Deposit
Accounts 

• Market Rate Account 
• Money Market Checking 
• Indexed Money Market Account 
• IRA Money Market Account 

Time Deposits

• Certificates of Deposit 
• Peace of Mind Certificate Account 
• Market Indexed Add-On Certificate 
• Flex-15 Certificate of Deposit 

Individual Retirement
Accounts

• IRA Certificate 
• IRA Money Market 

Loan Products

Mortgage Loans:

Account Disclosures

• Account General Terms 
• Truth-In-Savings Disclosures 
• Current Interest Rates 
• Schedule of Fees 
• Funds Availability 
• Electronic Funds Transfer 
• Online Banking Terms 
• Privacy Policy 

Applications and Forms

• Online Application Forms 
• New Savings, Checking or CD account Application 
• Loan Application Forms 
• Consumer Loan Application 
• Home Equity Line of Credit Application
• Real Estate Loan Application
• MasterMoney or ATM Card Application 
• Report a Change of Address 
• Stop Payment Requests 
• Phone/Fax Funds Transfer Authorization 
• Wire Transfer Request - Domestic 
• Wire Transfer Request - International 
• Wire Transfer Request - Recurring 
• Payroll Direct Deposit Request 
• US Government Direct Deposit Request 
• Great Idea Submission Form
• ID Theft Affidavit Form 

News and Information

• Pacific Ports 
• Online Financial Calculators 
• Account Information 
• Glossary of Financial Terms 
• Bank Holidays 
• Linking to our website 
• First PacTrust Bancorp, Inc. 
• Privacy Policy 
• Wire Transfers 
• Shared Branch Network 

Consumer Info

• Check 21 Info 
• Check 21 Rights 
• Financial Safety and Protection 
• Prevention of Elder Financial Abuse 
• FDIC Insurance 
• Equal Housing Lender 
• Reg. D Transaction Limits 

Pacific Trust Bank

• About Us 
• The Pacific Trust Difference 
• Officers & Directors 
• Employment Opportunities 
• Bank Holidays 
• Locations & Operating Hours 
• How to Reach Us 
• Web Site Terms of Use 

First PacTrust Bancorp, Inc. 

• BANC Website 
• Investor Relations Info