Pacific National Bank Review

How does your bank stack up?

  • Financial Rates: 4.0 Star Icon
  • Customer Service: 5.0 Star Icon
  • Website Experience: 5.0 Star Icon
  • Bank Fees: 3.0 Star Icon


  • Specific online-only accounts
  • Variety of other accounts offered
  • CDs have low required opening amounts
  • Online accounts offer competitive rates


  • Large sums required to earn interest
  • High required initial deposit
  • In-branch accounts have tiered rates
  • Accounts have monthly fees

What You Need to Know

Pacific National Bank offers specific online-only accounts. These accounts include a money market account and 12- month and 17-month CDs. The interest rates are competitive. These account rates are much higher than regular bank rates. The minimum amount required to open the money market account is $5,000. This is also the required balance to avoid a monthly fee. The CDs require $1,000 to open.

Along with online accounts, Pacific National Bank offers a variety of in-branch accounts. That includes personal deposit accounts and business accounts. Savings, checking, and money market accounts are available for personal and business accounts. CDs and lending options are also available.

Pacific National Bank CDs have low opening required amounts. Each of the CDs require $1,000 to open, including the online CDs. The only fee for CDs is withdrawing money before the maturity date.

The Pacific National Bank online accounts offer competitive interest rates. These account rates are competitive with other online-only accounts. These rates are much higher than the in-branch account rates. Online accounts are only offered to new customers to Pacific National Bank.

To earn the most competitive interest rates requires a large average balance. The in-branch and online MMA require $10,000 to earn the competitive interest rate. The checking account requires $2,500 to earn interest.

Accounts with Pacific National Bank have high opening required amounts. The interest earning checking account requires $2,500 to open. International customers require $7,000 to open the account. The money market account requires $5,000 for domestic customers. International customers must have $10,000 to open money market accounts.

Pacific National Bank accounts have tiered interest rates. To earn the most competitive rates requires a large balance in the accounts. The savings account requires a $50,000 balance to earn the most competitive rate. The money market accounts and the SuperNow checking require $1,000,000 for the highest rate. Amounts under these balances still earn interest, just not the most competitive rates.

Pacific National Bank accounts have monthly fees. The fees range from $10 to $25 each month. Waive the monthly fees by keeping a set amount in the accounts. Those amounts range from $500 to $5,000 depending on the account.

Cool Things

My Money Program

This program is a financial literacy program to those with developmental disabilities. This program assists their family members and caregivers. Lessons include learning the basics of money, how banks can help you, and sources of income. You can learn how to track income and expenses. There are lessons, how-to videos, games, and other resources.

Financial Calculators

On the Pacific National Bank website is a list of financial calculators. Use the calculator to see how to manage debt or pay off student loans. There are calculators for insurance, retirement, and savings. Others include a calculator for taxes, loans, and personal finances.


Pacific National Bank opened in 1982. It was originally named Banco Del Pacifico Internacional. It opened in Miami, Florida. Three years after opening the name of the bank changed to Pacific National Bank. It changed from a charter bank to a national bank.

Pacific National Bank offers personal deposit and business accounts. They have branch locations in Miami-Dade County, Florida. They offer an online money market account and two online CDs. Those terms are a 12-month and 17-month CD. Those accounts are for new customers to Pacific National Bank.

Awards and Recognition

  • Superior Rating by Bauer Financial, Inc
  • R.E.A.L. Award for Banking and Finance from greater Miami Chamber of Commerce

Frequently Asked Questions

Is Pacific National Bank FDIC insured?

Yes. Pacific National Bank is FDIC insured. The FDIC is an agency of the United States government that protects funds deposited in banks, up to $250,000 per customer, per bank. The money deposited in FDIC insured banks means money is backed by the full faith and credit of the United States government.

How do I access my money?

ATM or debit cards, checks, or electronic transfers. If you open an in-branch account, you can visit a branch location.

Does Pacific National Bank offer mobile banking?

Pacific National Bank offers online banking. No specific mobile app is listed on the website. With online banking, you can see balances, make transfers, and view checks.

Is Pacific National Bank free?

No. Most Pacific National Bank accounts have a monthly fee. The fees range from $10 to $25 a month. Waive the fees by keeping a set amount in the accounts. Those amounts range from $500 to $10,000.

Is Pacific National Bank a good bank?

Pacific National Bank offers a variety of accounts. Their online-only accounts offer competitive interest rates. Some accounts have high opening required amounts and fees. Waive the fees by keeping a set amount in the account.

Is Pacific National Bank secure online?

Pacific National Bank uses encryption technology and firewalls to protect your information. Accounts require a specific customer ID number and PIN. After three minutes of inactivity, you will be logged out of your account.

Does Pacific National Bank offer competitive interest rates?

The online-only accounts offer more competitive interest rates than the in-branch accounts. The in-branch accounts have tiered interest rates. To earn the most competitive rate requires large balances.

Can I use Pacific National Bank for my business accounts?

Yes. Pacific National Bank offers a variety of business accounts. Checking, savings, money market accounts, and CDs are available for businesses. They also offer loans to businesses.

How is Pacific National Bank online banking different from the online banking my bank offers?

The online accounts offer more competitive interest rates. Everything for these accounts is online.

Do Pacific National Bank checking accounts pay interest?

Yes. One Pacific National Bank in-branch checking account earns interest. There is not an online-only checking account. The interest rates for the checking account are tiered.

How do I reach customer service?

By phone, email, mail, fax, or by visiting a local branch location.

Does this bank offer bill pay?

Yes. Pacific National Bank offers free bill pay for their checking accounts.

Can I deposit cash?

Yes, at a local branch location.

How long do transfers take?

Transfers made Monday through Friday before 5:00 p.m. are processed the same day. Any other transfer is processed the next business day.

Can I sign up for direct deposit to Pacific National Bank accounts?

Yes. Money can be directly deposited into Pacific National Bank accounts.

Bank Contact Information

1390 Brickell Avenue
Miami, Florida 33131

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Sponsored Offers

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American Express
Savings (Rate as of 11/30/2023)
APY 4.30%
Rate 4.21%
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Checkbook No
Member FDIC
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