Checking Accounts
Pines Checking
Our Pines Checking is created for individuals who enjoy the convenience of a checking account with unlimited check writing availability. Open your Pines Checking with us, maintain the required minimum daily balance or sign up for direct deposit, and you'll pay no monthly service charge.
- $200 Minimum Opening Balance
- $10.00 Monthly Service Charge
- Monthly service charge waived for accounts with a daily balance of $1,000.00 or more,
and for accounts with a direct deposit credit.
Additional disclosures will be provided at account opening.
Pines Plus
Our Pines Plus allows individuals to earn interest on funds in their checking account and have unlimited check writing abilities. Open your Pines Plus, maintain the required minimum daily balance, and you'll pay no monthly service charge.
- $200 Minimum Opening Balance
- $10.00 Monthly Service Charge
- Monthly service charge waived for accounts with balance of $1,500.00 or more
Additional disclosures will be provided at account opening.
The Elite Account
A Special Invitation
If you're looking for a smart and convenient way to earn a higher interest rate and have greater flexibility for your daily personal cash management needs, the Elite Account is for you.
Enjoy A Preferred Interest Rate Plus Checking Account Convenience
The Elite Account is a special checking account that provides the convenience of unlimited check writing with the advantage of a preferred interest rate-plus a host of other valuable benefits.
With Concierge Banking, Service Comes To You
Just call us and we will open your account at your convenience. We're happy to meet at your place of business, your home or any of our convenient banking locations.
As An Elite Account Client, You'll Also Receive These Valuable
Additional Benefits:
- No monthly account maintenance fee with a minimum daily balance of $25,000*
- ATM fees charged to your account for use of other institutions™ ATMs will be reversed
up to $15.00 each month - No charge for Online banking
- No charge for Online bill Pay
- Custom Elite Account checks
- $40.00 credit toward a safe deposit box (subject to location availability)
- No fee Visa®/MasterCard® accounts (Subject to credit approval)
- No fees for Cashiers Checks
- No fees for Travelers Cheques
*If the daily minimum balance falls below $25,000, there will be a monthly service charge of $25.00 and the interest rate will be lowered to the rate on a regular interest rate checking account. Refer to Elite personal Checking Disclosure for all terms and conditions.
Savings Accounts
Pines Savings
Our Pines Savings is a classic investment tool for all ages, which earns interest without high balance requirement. You can make six withdrawals per quarter without a charge, and your account earns a competitive interest rate on all collected balances. Open your Pines Savings with us. Maintain the required minimum daily balance, and you'll pay no quarterly service charge. In addition, maintenance fees are waived for minors (under 18).
- $200 Minimum Opening Balance
- $10.00 Quarterly Service Charge
- Up to six withdrawals per quarter allowed - $2.00 for each withdrawal in excess of six
- Monthly service charge waived for accounts with balance over $1,000.00 or for minors.
Additional disclosures will be provided at account opening.
Elite Personal Money Market Account
Liquidity And Growth Management
Liquidity And Growth Now Go Hand In Hand
So do the elite personal money market and the Elite Personal Checking accounts from Torrey Pines Bank. Enhance the value to your banking relationship by adding the Elite Personal Money Market Account to your portfolio. The Elite Personal Money Market Account can help you bridge higher interest rate yields and wealth accumulation.
As you try to simplify your increasingly complex financial affairs, managing to stay on top of all of your options can be overwhelming. So let Torrey Pines Bank simplify your life with the Elite Personal Money Market Account. This account is an exclusive offer available to customers who have an Elite Personal Checking Account in good standing.
With Concierge Banking, Service Comes To You
Your Torrey Pines banker is just a simple phone call away. When you're ready to open your account just call us, we're happy to meet you at your place of business or any of our convenient banking locations.
Liquidity Had Its Rewards
Unlike conventional money market accounts, the Elite Personal Money Market Account* provides higher interest rates coupled with a higher yielding checking account and other valuable benefits including:
- Elite personal Checking account and all of its benefits
- No monthly account maintenance fee with a daily balance over $100,000
- ATM fees waived up to $15.00 each month
- No fee Online banking
- No fee bill pay
Concierge Credit Card
We’re pleased to introduce our new Concierge Rewards Visa® Credit Card – now with three rewards programs to choose from:
- 1.25% cash back
- Travel
- Merchandise
Plus:
- 24/7 Concierge Service
- No Annual Fee
- 0% fixed APR for 6 months on balance transfers!
Apply today and get a $25 sign up reward.
For more details and to apply now, click here. To learn more, contact a Torrey Pines Bank branch representative, or Credit Services at 888.796.1755.
Classic and Platinum Credit Cards
Visa Classic and Platinum card holders may access credit card information online at www.e-creditcardservices.com.
ATM/Debit Cards
Pines ATM Card:
Our Pines ATM Card allows you to access your checking or savings accounts 24 hours a day, seven days a week:
- Withdraw cash up to a maximum of $1,000.00 (if there are sufficient funds in your account) per day
- Purchase up to a maximum of $500.00 worth of goods and services per day.
- Make deposits at Torrey Pines Bank branch ATMs
- Transfer between checking and savings accounts (limitations may apply).
- Verify account balances at our Automated Teller Machines (ATMs) or literally thousands of ATMs in the United States and throughout the world. We are members of the Plus System®, Star System®, and Explorer® Networks.
Additional disclosures will be provided at account opening.
Pines Check Card:
Our Pines Check Card is an ATM and Visa Check Card. Enjoy the benefits of access to your checking or savings accounts 24 hours a day, seven days a week.
- Use for purchases anywhere VISA® is accepted. Your payment is automatically withdrawn from your checking account at Torrey Pines Bank. Your purchases will be detailed on your regular monthly statement.
- Withdraw cash up to a maximum of $1,500.00 (if there are sufficient funds in your account) per day
- Make Point of Sale and VisaPurchases as well as cash advances (up to $1000 per day).
- Make deposits at Torrey Pines Bank branch ATMs.
- Transfer between checking and savings accounts (limitations may apply).
- Verify account balances at our Automated Teller Machines (ATMs) or literally thousands of ATMs in the United States and throughout the world. We are members of the Plus System®, Star System®, and Cirrus® Networks.
Additional disclosures will be provided at account opening.
Overdraft Protection
Pines Reserve:
Do you sometimes worry that your account might be overdrawn? Protect your personal account with Pines Reserve.
Our Pines Reserve is a revolving line of credit that is attached to your checking account. Funds are automatically transferred from your Pines Reserve available credit limit to your checking account to pay for checks or other items that are larger than your checking account balance.
Need additional cash in a hurry? You can also initiate advances against your Pines Reserve for any amount up to your credit limit to help pay for expected or unexpected expenses. You simply repay the used portion of the loan in full or in monthly installments.
There's no need to worry about overdrawn accounts - or overdraft fees - with our Pines Reserve. Please contact one of our loan officers to learn more.
Additional disclosures will be provided at receipt of signed application.
