Checking & Money Market Accounts

Successful businesses require precise money management. Whether your company is large or small, Pacific National Bank offers checking options that allow you to quickly move funds, monitor balances, and make payments at any hour of the day or night.

Each of our accounts is designed to meet your high standards

Because every business has different needs, PNB offers a variety of checking accounts. Whether you prefer a traditional approach, an interest-bearing option, or reducing fees through earnings credits, your account will include advanced digital banking services. Plus, you'll have access to a suite of Cash Management solutions that can streamline your daily operations.

Business Regular Checking

Enjoy easy access to your funds and convenient features designed to make conducting your business banking easy.

Regular Checking Details

Business Interest Checking

Earn interest while managing day-to-day business finances.

Interest Checking Details

Business Analysis Checking

Designed for businesses with high transaction volumes, our business analysis account offers detailed earnings credit analysis to help offset service fees.

Analysis Checking Details

Business Money Market

Earn competitive interest rates on operating reserves while maintaining flexible access to funds through online banking, transfers and limited check-writing capabilities.

Money Market Details

IOTA Accounts*

Our IOTA accounts are designed specifically for attorneys and law firms to manage client funds securely.

IOTA Account Details

International Business Regular Checking

Our business checking account for international customers is designed for businesses to enjoy easy access to your funds and convenient features designed to make conducting your business banking easy.

International Regular Details

International Business Interest Checking

Earn interest while managing day-to-day business finances.

International Interest Details

International Business Analysis Checking

Designed for businesses with high transaction volumes, our business analysis account offers detailed earnings credit analysis to help offset service fees.

International Analysis Details

International Business Money Market

Earn competitive interest rates on operating reserves while maintaining flexible access to funds through online banking, transfers and limited check-writing capabilities.

International Money Market

¹Refer to the Schedule of Charges for disclosures or other fees that may be assessed against these accounts.
²This fee will be disclosed in the periodic account statement as “Maintenance Charge.”

*IOTAs require application to the Florida Bar and additional documentation is required to open this type of account.

Treasury Management

Simply operations with cash management.

Streamline operations with customizable employee access, automated reconciliation, secure payments, and powerful fraud prevention tools - all designed to simplify your daily financial tasks.

Explore Management Features

Minimum opening deposit of $2,500
Minimum average daily balance for the month to avoid maintenance fee is $2,500¹ ²
350 free items process monthly (credits paid, debits paid, items deposited) – $0.25 for each additional item
No additional charge for eStatements, eDocuments, Online and Mobile Banking, and Bill Pay

Minimum opening deposit of $5,000
Monthly maintenance charge is $17.50¹ ²
$0.15 per item charge for items paid, credited, or deposited²
$5,000 minimum average daily balance to earn interest²
No charge for eStatements, eDocuments, Online and Mobile Banking and Bill Pay

Minimum opening deposit of $5,000
Monthly maintenance charge of $17.50
Earnings credits available to offset monthly maintenance and service charges¹ ²
$0.15 per item charge for items paid, credited , or deposited²
No additional charge for eStatements, eDocuments, Online and Mobile Banking and Bill Pay

Minimum opening deposit of $5,000
Minimum average daily balance for the month to avoid maintenance fee is $5,000¹ ²
Minimum average daily balance to obtain the annual percentage yield (APY) disclosed is $5,000 (account fees may reduce earnings)
Up to six debit transactions per month including third-party transactions²
No additional charge for eStatements, eDocuments, Online and Mobile Banking, and Bill Pay

Minimum opening deposit of $25,000
Minimum average daily balance for the month to avoid $50 maintenance fee is $25,000¹ ²
30 free items process monthly (credits paid, debits paid, items deposited) – $0.25 for each additional item
No additional charge for eStatements, eDocuments, Online and Mobile Banking, and Bill Pay

Minimum opening deposit of $25,000
Monthly maintenance charge is $50¹ ²
$0.15 per item charge for items paid, credited, or deposited²
$10,000 minimum average daily balance to earn interest²
No additional charge for eStatements, eDocuments, Online and Mobile Banking and Bill Pay

Minimum opening deposit of $25,000
Monthly maintenance charge of $50
Earnings credits available to offset monthly maintenance and service charges¹ ²
$0.15 per item charge for items paid, credited, or deposited²
No additional charge for eStatements, eDocuments, Online and Mobile Banking and Bill Pay

Minimum opening deposit of $25,000
Minimum average daily balance for the month to avoid $50 maintenance fee is $25,000¹ ²
Minimum average daily balance to obtain the annual percentage yield (APY) disclosed is $25,000 (account fees may reduce earnings)
Up to six debit transactions per month including third-party transactions²
No additional charge for eStatements, eDocuments, Online and Mobile Banking, and Bill Pay