Checking Accounts
We offer a complete array of business account products to help you manage your working capital.
Capital Business Checking
A non-interest bearing account designed for a small business with moderate balances and activity
| Minimum Balance | Average balance of $2,500 during the period |
| Monthly Maint. Fee | No fee if minimum balance is maintained during the period; $12 if balance goes below the minimum |
| Free Checks | No |
| Online Banking | Free - Pacific Online Banking |
| Bill Pay | $9.95/mo. First 25 pymts., $.50 ea. Add'l |
| Check Limits | 75 per statement cycle, $.15 per add'l item |
| Deposit Limits | 100 per statement cycle, $.12 per add'l item |
Capital Business Interest Checking
An interest bearing account designed for a small business with moderate balances and activity
| Minimum Balance | Average sum of $25,000 or more in all related deposit accounts during the period |
| Monthly Maint. Fee | No fee if minimum balance is maintained during the period; $20 if balance goes below the minimum |
| Free Checks | No |
| Online Banking | Free Pacific Online |
| Bill Pay | $9.95/mo. First 25 pymts., $.50 ea. Add'l |
| Check Limits | None |
| Deposit Limits | None |
| Balance Range | Rate | APY * |
| $0-$49,999 | 0.10% | 0.10% |
| $50,000-$99,999 | 0.20% | 0.20% |
| $100,000-$249,999 | 0.25% | 0.25% |
| $250,000+ | 0.25% | 0.25% |
Capital Analyzed Checking
A non-interest analyzed account for higher volume businesses that want to offset fees with balances. This account does not return any checks or images.
| Monthly Maint. Fee | $10 |
| Online Banking | Capital Treasury Online |
| Check Limits | n/a |
| Deposit Limits | n/a |
| Fees | See the Commercial Services Fee Schedule for check, deposit and Capital Treasury Online fees |
Capital Community Checking
Interest bearing account available to non-profits and government entities.
| Minimum Balance | Average sum of $25,000 or more in all related deposit accounts during the period |
| Monthly Maint. Fee | No fee if minimum balance is maintained during the period; $12 if balance goes below the minimum |
| Free Checks | No |
| Online Banking | Free Pacific Online Banking |
| Bill Pay | $9.95/mo. First 25 pymts., $.50 ea. Add'l |
| Check Limits | 75 per statement cycle, $.15 per add'l item |
| Deposit Limits | 100 per statement cycle, $.12 per add'l item |
| Balance Range | Rate | APY * |
| $0-$49,999 | 0.25% | 0.25% |
| $50,000-$99,999 | 0.25% | 0.25% |
| $100,000-$249,999 | 0.25% | 0.25% |
| $250,000+ | 0.25% | 0.25% |
Capital IOLTA Checking
A pooled interest-bearing trust account for law firms, in which earned interest is directed to the Oregon Law Foundation, or Legal Foundation of Washington, to support access to justice, promote diversity and educate the public about the law. Capital Pacific Bank is one of the Oregon Law Foundation’s Leadership Banks.
| Minimum Balance | No minimum balance required. |
| Monthly Maint. Fee | No monthly maintenance fee. |
| Free Checks | First order of Image checks is free. |
| Online Banking | Free Pacific Online Banking |
| Check Limits | n/a |
| Deposit Limits | n/a |
| Balance Range | Rate | APY * |
| $0-$99,999 | 0.70% | 0.70% |
| $100,000+ | 0.70% | 0.70% |
*Fees could reduce the earnings on the account. Annual Percentage Yields (APY) are current as of 01/03/2012 and are subject to change without notice. For current rate information call (503)796-0100.
** Balances significantly greater than $100,000 may qualify for a custom rate quote. Please call us for details.
