Savings

A variety of savings account options to help you achieve your savings goals. Take a look at our Comparison Chart for a side-by-side view.

Our Savings Accounts include:

Online Banking
Mobile Banking
Mobile Deposit

Paper or eStatements
Unlimited in-branch service
Debit Card³

Compare Our Savings Accounts

Account Type	Flex Savings (Personal)	Personal Savings
Description	A savings account that lets you earn higher interest rates with higher balance tiers.	A basic savings program for your everyday savings needs.
Minimum Opening Deposit	$500.00	$500.00
Interest¹	Tiered	Compound Daily Credit Monthly
Monthly Service Charge	$10.00	$10.00
Minimum Balance to Avoid Monthly Service Charge	$500.00 minimum average daily balance	$500.00 minimum average daily balance
Transaction Limits and Fees²	Excessive withdrawal fee of $10.00 for each transaction exceeding 6 per month	Excessive withdrawal fee of $10.00 for each transaction exceeding 6 per month

¹Interest rate and Annual Percentage Yield (APY) are variable and depend upon the applicable rate tier. The interest rate and APY are subject to change at any time at our discretion during and after account opening without notice.
²Transactions include withdrawals or transfers to another account or to third parties, by pre-authorized, automatic, telephone or computer transfer or by check, draft or similar order to third parties and are limited to six per month. These transfers do not include those made at an ATM, by mail or personally with a bank teller.
³Up to 5 (five) foreign ATM withdrawal surcharges waived each month.

Individual Retirement Accounts

No matter what your retirement goals are, we can help you to build your savings and plan for your future. Pacific Alliance Bank’s Traditional IRA Time account offers a higher, fixed rate of return than traditional savings accounts.

$5,000.00 minimum opening deposit
Terms available from one year to five years
Interest is compounded daily and credited dependent on term
Automatically renews at maturity
Certain fee may apply (refer to the bank’s Deposit Account Fee Schedule)

Penalty may be imposed for early withdrawal or closure prior to maturity
- One year or less term = 1 month simple interest on amount withdrawn
- Over one year term = 3 months simple interest on amount withdrawn
Fees may reduce earnings and penalty may reduce interest income

Certificates of Deposit

Certificates of Deposit or CDs provide a safe way for you to invest your money for a specified length of time and offer a higher, fixed rate of return.

$5,000.00 minimum opening deposit
Terms available from three months to five years
Interest is compounded daily and credited dependent on term
Automatically renews at maturity

Penalty may be imposed for early withdrawal or closure prior to maturity
- One year or less term = 1 month simple interest on amount withdrawn
- Over one year term = 3 months simple interest on amount withdrawn
Fees may reduce earnings and penalty may reduce interest income

Have Questions?

For more information regarding our products, services and interest rates, please visit or contact our Customer Service Representatives at one of our branch locations near you.

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