-
Financial Rates:
4.0
-
Customer Service:
5.0
-
Website Experience:
5.0
-
Bank Fees:
3.0
Pros:
- Specific online-only accounts
- Variety of other accounts offered
- CDs have low required opening amounts
- Online accounts offer competitive rates
Cons:
- Large sums required to earn interest
- High required initial deposit
- In-branch accounts have tiered rates
- Accounts have monthly fees
-
Financial Rates:
3.0
-
Customer Service:
5.0
-
Website Experience:
5.0
-
Bank Fees:
5.0
Pros:
- Variety of personal deposit accounts
- Low opening requires amounts
- Business accounts available
- Online CDs offers competitive rates
Cons:
- Cannot open all accounts online
- Tiered interest rates for MMA
- Low interest rates
- High yield accounts have high opening sum
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.
Home Savings offers a variety of personal deposit accounts. They offer interest earning and free checking accounts. They offer a checking account for students and those over 50 years old. They offer a holiday savings account and savings accounts for kids and youth. Home Savings offers an online savings account and CDs. The CDs range from 28-days to five-year terms.
Most accounts have low opening requires amounts. The online savings account requires $50 to open. The holiday savings and youth savings accounts require $10 to open. Most checking accounts requires $25 to open. The interest earning checking does require $100 and must be opened in a branch location. The regular CDs require $500 to open.
Home Savings offers a variety of business accounts. They offer checking and savings accounts for small or commercial businesses. Lending options, money market accounts, and deposit services are also offered for businesses. You must visit a branch location to open business accounts.
Home Savings offers two CDs, for new investments, with competitive rates. The terms are an 18-month and 36-month CD. Money deposited in these CDs cannot be from other accounts in Home Savings accounts. The interest rates are competitive with other online CD accounts. These CDs require $500 to open and can be opened online.
Not all Home Savings accounts can open online. Some accounts require visiting a branch location, including the interest-earning checking account. Visit a branch to open the holiday savings account and savings accounts for kids.
The MMA and the Platinum savings accounts have tiered interest rates. These accounts require a $100,000 balance to earn the best rates. Balances lower than $100,000 still earn interest, just lower rates.
Most Home Savings accounts do not offer competitive interest rates. Some accounts have tiered interest rates. Other accounts have interest rates similar to typical brick and mortar bank rates. Only a few accounts offer rates competitive with online accounts.
The high yield Home Savings accounts have high required opening amounts. The Platinum savings account requires $5,000 to open. The money market account requires $10,000 to open. The money market account can be opened online. To open the Platinum Savings requires a branch location.
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| Savings (Rate as of 11/21/2024) | |
| APY | 4.00% |
|---|---|
| Rate | 3.92% |
| Min to Open | $0 |
| Min to Earn APY | $0 |
| Monthly Fee | $0.00 |
| Min to Avoid Fee | $0 |
| Checkbook | No |
| Member FDIC | |
| Savings (Rate as of 11/21/2024) | |
| APY | 4.75% |
|---|---|
| Rate | 4.64% |
| Min to Open | $0 |
| Min to Earn APY | $0 |
| Monthly Fee | $0.00 |
| Min to Avoid Fee | $0 |
| Checkbook | No |
| Member FDIC No monthly maintenance fee, $0 to open, easily grow your money | |
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1 APY stands for Annual Percent Yield. It's different from Rate because it takes into account compounding interest for the year.
2 MMA stands for Money Market Account. It's a savings and checking hybrid, allowing you to earn interest and use checks 6 times a month.