CHECKING ACCOUNTS

Presidio Bank offers the following checking accounts that are designed to make banking easier for you and help you reach your financial goals.

UCC Article 4A Disclosure

 

UCC Article 4A Disclosure

DISCLOSURES REGARDING ELECTRONIC "WHOLESALE CREDIT" TRANSACTIONS SUBJECT TO UNIFORM COMMERCIAL CODE ARTICLE 4A

PROVISIONAL PAYMENT:

Credit given by us to you with respect to an automated clearing house credit entry is provisional until we receive final settlement for such entry through a Federal Reserve Bank. If we do not receive such final settlement, you are hereby notified and agree that we are entitled to a refund of the amount credited to you in connection with such entry, and the party making payment to you via such entry (i.e. the originator of the entry) shall not be deemed to have paid you in the amount of such entry.

NOTICE OF RECEIPT OF ENTRY:

Under the operating rules of the National Automated Clearing House Association, which are applicable to ACH transactions involving your account, we are not required to give next day notice to you of receipt of an ACH item and we will not do so. However, we will continue to notify you of the receipt of payments in the periodic statement we provide to you.

CHOICE OF LAW:

We may accept on your behalf payments to your account which have been transmitted through one or more Automated Clearing Houses ("ACH") and which are not subject to the Electronic Fund Transfer Act and your rights and obligations with respect to such payments shall be construed in accordance with and governed by the laws of the state of California, unless it has otherwise specified in a separate agreement that the law of some other state shall govern.

For questions call or write:
1-415-229-8400
PRESIDIO BANK
One Montgomery Street
Suite 2300
San Francisco, CA 94104

 
Personal Interest Checking

Provides our personal clients an ability to earn interest with a cost-effective way to manage checking needs while earning a competitive interest rate. 

Benefits of personal Interest Checking (NOW Account)

  • No monthly maintenance fee with average monthly balance requirement of $5,000
  • Up to 150 no-charge checks paid per month
  • Up to 200 no-charge checks deposited per month
  • Earns attractive competitive rates of interest
  • Provides clients access to their money anytime/anywhere, with no minimum withdrawal amount
  • Check images and statements are available at no charge
  • Personal eBanking services are available
  • The convenience and security of the Visa® Personal Debit Card
  • Funds in Personal Interest Checking are combined with other accounts of the same entity and insured by the FDIC up to current available limit of $250,000.

 

Presidio Plus Checking

The Presidio Plus package rewards our clients for maintaining their highly valued relationship with Presidio Bank. Being a Presidio Plus client gives you an unmatched combination of services and benefits at no cost. 

Benefits of Presidio Plus Checking

  • No monthly maintenance fee
  • Minimum balance requirement to earn interest is $25,000
  • No Fees for:
    • Overdrafts
    • Non-sufficient Funds
    • ATM transactions
    • Incoming or Outgoing Wire Transfers
    • Official Checks
    • Copies of Statements
    • Stop Payments
    • Returned Deposited Items
  • Earns attractive competitive rates of interest
  • Provides clients access to their money anytime/anywhere, with no minimum withdrawal amount
  • Check images and statements are available at no charge
  • Personal eBanking services, including access to mobile banking, are available
  • The convenience and security of the Visa® Personal Debit Card
  • Funds in Presidio Plus Checking are combined with other accounts of the same entity and insured by the FDIC up to the current available limit of $250,000.

 

For further information regarding our Personal Checking Plans, please call or visit your local Presidio Bank office.