Frequently Asked Questions

1. What is Pacific Direct Web®?

Pacific Direct Web® is the online banking service of Pacific National Bank that allows customers to do banking online from anywhere with Internet access. Customers can check account balances, today’s deposit, transfer funds, view images of posted checks or deposit slips, send and receive secure messages, order checks, receive e-statements and more.

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2. When can I access Online Banking?

Online Banking is available 24 hours and 7 days a week, except when the systems are shut down for maintenance and upgrades.

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3. How can I get started?

Only if you are registered with Pacific National Bank’s Online Banking Service and have received a Customer Access Number and a temporary PIN (Personal Identification Number). Customer will be prompted during the initial login process to enter his or her own password. The customer’s user password will be authenticated during the login process. Application forms are available after you have selected “Apply for Online Banking”.

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4. Is the access secure?

Pacific National Bank has taken strong measures to keep your assets safe and your account information private. We use layers of security to protect your financial data.

Encryption Technology We require the use of a secure browser before a connection can be made to Pacific National Bank’s online banking service. A secure browser will use encryption technology (Secure Sockets Layer or SSL) to scramble your information, making it useless to hackers, as it passes across the Internet.

A Firewall of Protection For added security, we have your data pass through a “firewall” which is a computer specifically designed to keep out unauthorized users.

Access Limited by You Finally, to ensure that only you can access your accounts we require a valid Customer Identification Number and PIN (Personal Identification Number) before you can log-on.

Automatic Log-off For your security, our Online Banking Service will automatically end your Internet Banking session if there is no activity on your PC for 3 minutes. Always remember to Log Off or close your browser window.

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5. What are the System Requirements?

There are no special requirements. All you need is a computer with an Internet browser 5.1 or above and a connection to the Internet. Additionally, you must set your display resolution to 800x600 and the browser text size to medium.

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6. How much Online Banking cost?

Online Banking is free of charge.

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7. How often can I change my password?

You can change you password as often as you would like, nevertheless your Customer Access Number will never change.

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8. Forgot your Customer Access Number or PIN?

If so, you have only three chances to enter it correctly. If the third attempt fails, you will be locked out and unable to access your account online. If this occurs, please send us an Email for assistance, or you may contact one of our Online Banking Representative at (305)539-7500.

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9. Are there any requirements when changing my PIN?

Below are guidelines for creating and securing your PIN (Personal Identification Number):

• Use combination of letters and numbers, 6 in total; easy to remember, but difficult to guess.
• Do not use obvious numbers (e.g., birthdays, SSN, date of birth, phone #).
• Do not reveal your PIN to anyone.
• Do not write your PIN down anywhere.
• Never carry with you.
• Change the PIN often.

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10. What accounts can I access using Online Banking?

You may access your checking, savings, Money Market, Super Now, time deposits o installment loans. You may also see the balances of your VISA/Master Card.

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11. Can I view copies of my paid checks online?

Images of checks you have written against your Pacific National Bank checking account are available online through your “Account Detail”. You will be able to view the front and back of the check.

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12. How do I request electronic statements?

All Online Banking customers receive E-Statements on the next day after the closing of the month. Your account statement will have the same format as the regular statement that you receive by mail, without images, plus an E-Statement file for the 2 previous months.

If you choose 6 months of E-statement, you will not receive your regular account statement by mail, because you will see it through our Online Banking.

If you decide to have 12 months of E-Statement, you will not receive your regular account statement by mail , because you will see it immediately through our Online Banking. The cost of the service for 12 months of E-Statement is $5 per month.

You can print your statements at the convenience of your office or home. Acrobat Reader is needed to download the statements.  

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13. Can I re-order checks online?

Yes, you can, if you are an Online Banking User.

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14. Can I change my email address online?

Yes, you can change your email address online. It is very important for you in order to receive email messages and notifications from the Bank as well as your E-Statements.

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15. Are e-messages secured?

Your messages are secured only if you select the option “E-Mail Manager”.

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16. What is Bill Payment Service Online?

Your bills in the US can be paid through Pacific National Bank’s Bill Payments Service Online, which allows you to:

• View Payments History
• View Payees Registered
• Use an application to Add, Modify or Cancel Bills

These bills include, but are not limited to electricity, telephone, property taxes, condominium fees, mortgage payments, insurance premiums, etc. Whether your payments are due weekly, monthly, bimonthly, quarterly, biannually, etc., you will always be up to date on your payments avoiding delays. Visit our web site: www.pnb.com enter your customer access number and PIN and see for yourself. The charges for this service appear on our Bill Payments Service Online and in our Products and Service Brochure.

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17. Can I order Funds Transfers Online?

Yes, you can. The Electronic Fund Transfer Service through Pacific Direct Web(our Internet Banking) has three levels of transfers:

1. Transfers that you can make through Pacific Direct Web to any of your accessed accounts. This type of transfer is already available within our Online Banking Service and does not require any written authorization.
2. Transfers that you can make through Pacific Direct Web to any third party, but within Pacific National Bank. This type of transfer will be available only if you send us a written authorization (attached). The authorization can be obtained from Pacific National Bank website: www.pnb.com (Forms Section).
3. Transfers that you can make through Pacific Direct Web funds from any Accessed Account to an account controlled by you or to a third party at another bank. This type of transfer will be available only with a written authorization and the acceptance and use of the Test Key Interchange between you and Pacific National Bank.

This authorization method applies only for personal accounts. On corporate accounts the only way to request transfers using our Internet Banking is by using the Test Key Interchange Service.

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18. When my Electronic Fund Transfer order through the online will be processed?

Funds Transfer made Monday through Friday before 4:00PM ET will be processed the same day. Funds Transfers made Monday through Friday after 4:00 PM ET or anytime on Saturday, Sunday, or on any Federal holidays will be processed the next business day.

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19. Are Pacific National Bank accounts FDIC insured?

Yes, they are. Pacific National Bank checking, savings, and Certificate of Deposit (CD) accounts are FDIC insured up to $100,000.

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20. What is the routing number for Pacific National Bank?

Our routing number or ABA is 066011350

This number identifies the financial institution where an account is held. This nine-digit number appears before your account number on the bottom of your checks.

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