By providing a variety of services for your business, Pacific Enterprise Bank is ready to assist you with your business needs.

No longer is it necessary to make a trip to the bank. With this cutting edge technology you can scan your checks and make deposits from your location directly into the bank.

Some highlights include:
• No equipment costs with service agreement
• Extended cut-off time to make deposits
• View Demo

Pacific Enterprise Bank offers all customers with internet access the ability to receive their monthly statements electronically including the ability to view all images of paid items. These statements can be can be downloaded to Quicken and Microsoft Money or to an Excel spreadsheet.

Monthly an email will be sent to an established address alerting you that your monthly statement is available for reviewing. This service assists in establishing better controls over your customer data and your company privacy. Only those authorized individuals within your company have access to view the statements and the paid items.

An electronic tax payment system that is offered by the U. S. Department of the Treasury; thus, saving time and money by paying the federal business taxes electronically for your company.

Through your Pacific Enterprise Bank internet banking account, you can set up recurring or one-time bill payments, designate when those bills should be paid and have confirmation that the bill has been paid. This service is easy to set up so contact your account representative for a demo or to sign up for this service.

Pacific Enterprise Bank offers internet business banking in order for you to manage your accounts in one place. There are numerous benefits to Internet Business Banking especially the ability to reconcile your accounts and process transactions in a dynamic and real-time environment. All consolidated accounts can be assigned security levels for multiple users and applications within your company.

Using internet business banking, you can view account balances and transaction details, transfer funds between accounts, process stop payments, view images of paid items, originate wire transfers and certain ACH transactions, create automatic sweeps and balance alerts. Account details can be downloaded to Quicken and Microsoft Money or to an Excel spreadsheet.

Pacific Enterprise Bank offers all customers the ability to send and receive both domestic and international wires.

Payroll cards, a less costly alternative to paper payroll checks, allow employees to access their pay through various means. Wages are deposited to the payroll card account via direct deposit, and the employee uses the card to withdraw cash at an ATM or purchase goods and services.

Pacific Enterprise Bank offers this service which reduces fraudulent checks from being paid. This service enables customers to provide a file of all checks written. This file is matched against checks as they are clearing the Bank. Any discrepancies or checks that do not match the original file are submitted daily to the customer for a pay or return decision.

Pacific Enterprise Bank offers sweep accounts which are accounts set with a “peg” or minimum balance and all excess funds are “sweeped” into an account that earns a higher interest rate. The higher interest rate account usually is a money market account that has unlimited withdrawal capabilities.

Manage multiple checking accounts for your various business needs more efficiently without having to keep minimum balances in more than one account. You write checks on any of your accounts and funds are then transferred from a single “concentration” account to the account against which the check was written.

Pacific Enterprise Bank participates in a CD registry service. It’s the easiest, most convenient way to enjoy full FDIC insurance on deposit amounts larger that $100,000.

Everything is handled through Pacific Enterprise Bank. Your large deposit is broken into smaller amounts and placed with other banks that are members of a special network. Then, those member banks issue CD’s in amounts up to $100,000 so that your entire investment is eligible for FDIC insurance. By working with just one bank - Pacific Enterprise Bank – you can receive insurance from many.
 

To speed the completion of your financial transactions, Pacific Enterprise Bank utilizes a processing and delivery system that provides for the distribution and settlement of electronic credits and debits among financial institutions. This paperless transaction solution adds to your ability to conduct efficient and productive cash management.

Commercial Loan Sweeps provide automatic transfers between a commercial line of credit and a linked checking account. At the end of each business day, if the checking account's balance exceeds a predetermined peg balance, funds are transferred to pay down the outstanding balance of the linked line of credit. Conversely, if the checking account's balance is less than the predetermined balance, funds are transferred from the linked line of credit to cover debits.

If your company receives payments through the mail, our remittance banking services can help reduce your costs and improve cash flow. This efficient, cost-effective system acts as a processing house for your receivables, speeding collection, processing and clearing of customers' payments.

With facilities within the entire U.S. with processing centers in strategic locations, our remittance banking services provide the most effective collection of your funds. By reducing mail time and speeding processing, we can increase availability of your funds for earlier investment or debt reduction while reducing your clerical time and expense.