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Pacific Enterprise Bank Review

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Pacific Enterprise Bank Savings
0.10% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations


Established in 2007, Pacific Enterprise Bank has $507 million in assets along with deposits totaling $450 million, which makes it a medium-size bank. Pacific Enterprise Bank, whose headquarters are in Irvine, California, lacks premium access to support representatives, with no options for live chat or all-day service. It is a conventional brick-and-mortar bank with in-person service, in addition to its online and mobile apps. Coming in at a poor 3.1 stars out of 5, Pacific Enterprise Bank is a fair bank that does not compare with some of the other banks. Pacific Enterprise Bank has a full suite of product offerings, including savings accounts, checking accounts, money market accounts, CDs and IRAs. Pacific Enterprise Bank has a fair savings rate; other popular banks have higher rates. The bank's standard checking product carries a monthly fee of $15.00, which places it at the higher end of monthly fees. Obtaining a checking account with no monthly fee, in addition to a savings account with a high interest rate at the same institution is your best option for gaining the most income on your deposits while maintaining convenient access to your funds.

How We Rated It

SmartAsset's Overall Rating

National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more


SmartAsset Average: 3.5

Pacific Enterprise Bank features a savings rate of 0.10%, which is fair in comparison to the average U.S. bank. Pacific Enterprise Bank's one-year CD has a rate of 0.50%, while its highest-yielding money market account has an APY of 0.15%. Given its noncompetitive savings rate, you should think about choosing another bank to earn more on your deposits.

How Pacific Enterprise Bank's Savings Rates Compare

Pacific Enterprise Bank Savings 0.10 National Average 0.26 Compare Offers
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SmartAsset Average: 4.4

Pacific Enterprise Bank generally has high fees in comparison to the national average. Its checking account has a monthly fee of $15.00, making it fair for anyone looking for a hassle-free account. Pacific Enterprise Bank unfortunately doesn't reimburse out-of-network ATM charges, meaning you will need to search for a Pacific Enterprise Bank ATM or accept the withdrawal fee.

Monthly Fee $15.00 National Average: $3.21
Non-network ATM Fee N/A National Average: $1.20
Overdraft Fee N/A National Average: $35.00
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Service Quality

SmartAsset Average: 3.7

Pacific Enterprise Bank is a brick-and-mortar bank, with one total bank locations in California. With mobile and web apps, Pacific Enterprise Bank makes mobile banking convenient, even on the go. Pacific Enterprise Bank's mobile app allows you to control your accounts by checking current statements, transferring funds and accessing support representatives. Pacific Enterprise Bank receives a superb consumer satisfaction rating due to relatively few consumer complaints registered with the Consumer Financial Protection Bureau (CFPB), a government-sponsored consumer protection agency.

Overall Mobile Rating NR
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

SmartAsset Average: 4.8

Pacific Enterprise Bank is a medium-size bank owning $507 million in assets as well as $450 million in deposits. Its Texas Ratio is 1.71%, indicating that the bank is in excellent financial well-being and far from failure. Additionally, Pacific Enterprise Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

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Compare Pacific Enterprise Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.1% APY $500
Checking Account 0.1% APY $750
Certificates of Deposit
  • 12 Month: 0.50% APY
  • 24 Month: 0.65% APY
  • 36 Month: 0.65% APY
$10000 for all terms
Money Market Account 0.15% APY $2500

Pacific Enterprise Bank offers several deposit products including savings accounts, checking accounts, money market accounts and CDs to give you many options to manage your money. Pacific Enterprise Bank does not have the best savings rate, which means you should think about taking a look elsewhere for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. Pacific Enterprise Bank's CD rates are fair in comparison to other U.S. banks.

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Find a Pacific Enterprise Bank Near Me

Pacific Enterprise Bank has one physical locations across the U.S.

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