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Online Banking - Frequently Asked Questions

How secure is online banking?

The Internet Banking System brings together a combination of industry- approved security technologies to deliver a product that keeps your financial information secure. It features password-controlled system entry, a Digital ID, Secure Sockets Layer (SSL) protocol, and a firewall to regulate the inflow and outflow of server traffic.


Where can I see a demonstration of online banking?

Click on the "Online Demo" button on our home page or click here.


What accounts may I view?

Checking, savings, CD balances and loan balances are accessible through our web site. You must have at least one checking or money market account to access your accounts online.


Can I use this service with Microsoft® Money or Intuit Quicken®?

Yes, data can be transferred into Quicken® or Money. This will save you time by eliminating the manual entry step. As an added feature, we offer Bill Pay service.


When do I need to schedule my bill payments?

Bill Payments should be scheduled to allow 5 business days prior to the due date of your bill. All bills submitted after 3:00 PM (PST) will be posted on the next business day. Electronic bills will be processed within 3 business days of posting. Some companies you pay through online banking are not set up for electronic payment and therefore receive a paper draft on your behalf. These paper draft payments take 5-8 business days to reach their payees.


How do I contact Pacific Mercantile Bank?

You can call us toll-free at 1-877-450-BANK.

You may also send us a Secure E-mail. For your security, we do not accept instructions for the operation of your accounts.

You may write to us at:

Pacific Mercantile Bank
ATTN: Central Operations
PO BOX 7396
Newport Beach, CA 92658-9921


Or you may fax us at 714-438-1059


I am not close to a branch, how do I make deposits?

Deposits can be made in one of five ways:

  1. You can have your payroll check direct deposited into your Pacific Mercantile Bank account. Speak with your payroll department for instructions and forms.

  2. You can mail your deposit (with a deposit slip) to:
    Pacific Mercantile Bank
    Mail Teller
    PO BOX 7396
    Newport Beach, CA 92658-9921

    For your convenience, we provide you with prepaid stamped envelopes.

  3. You can ask us in writing to debit your account at another bank through the Automated Clearing House or ACH system. The first time you request this, you'll need to fill out a brief form and provide a voided check. After that, simply fax your request to 714-438-1059.

  4. You can wire money directly from another bank.

  5. You can visit us at our Financial Centers and either make your deposit at the Pacific Mercantile Bank ATM or make your deposit in person in the branch.


How Can I Withdraw Money?

You can withdraw money from any Cirrus, PLUS and VISA ATM's.

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