Pacific Enterprise Bank
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Business Banking

Certificate of Deposit Account Registry Service (CDARS)

Pacific Enterprise Bank offers Certificate of Deposit Account Registry Service (CDARS) to provide customers with multi-million dollar FDIC insurance coverage. Investing in CDARS is the easiest, most convenient way to protect large deposits. Upon agreement, your large deposit is broken into smaller amounts and placed with other banks that are members of the CDARS Network.  Then, those banks issue CDs in amounts under the standard FDIC insurance maximum, so that your investment is eligible for FDIC protection.


  • Spread your funds around a multitude of banks to ensure FDIC Insurance on every dollar
  • Protect the entirety of your funds
  • Our rates compare favorably with other investment alternatives such as U.S. Treasuries and money market funds
  • Convenient transactions through our bank that allow you to not have to track collateral on an ongoing basis or directly manage many banking relationships
  • Reliable Customer Service




For Inquiries:
Universal Banking Team

Phone: (949) 623-7600

Limits apply, Funds may be submitted for placement only after a depositor enters into a CDARS Deposit Placement Agreement with us. The agreement contains important information and conditions regarding the placement of funds by us. CDARS is a registered service mark of Promontory Interfinancial Network LLC.

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