INFO icon

Important Information about Coronavirus (COVID-19) LEARN MOREBranch Status

OC Register: Top Workplaces 2018, 2019

Deposit Solutions

Depositing funds at Pacific Mercantile Bank is easier than ever.

We offer several options for you to deposit funds into your account safely and securely without ever stepping foot in a branch. Our Treasury Management Team is ready to work with you to identify the best solution to manage your receivables and improve cash flow, reduce fraud risk, and streamline, automate and simplify operations.

EXPAND ALLCOLLAPSE ALL

  • Xpress Deposit - Remote Deposit Capture

      The latest image technology delivers the bank branch capability to your desktop. With Xpress Deposit you can make check deposits from the convenience of your office using a Bank-provided scanner, whenever it fits your schedule. It’s fast, easy, affordable and secure. Xpress Deposit is a critical tool smart businesses use to enhance cash flow, reduce risk, and improve operating efficiency.

      Key Benefits

      • No more expense and travel to make branch deposits
      • Online access to images of deposited checks
      • Extended deposit deadline: up to 7PM PST for same day processing
      • Easy to use, minimal training required

      Key Features

      • Robust security allows full control over deposits and reporting
      • Access via a secure website
      • Bank-provided desktop scanner connects to your office computer
      • Multiple accounts can be tied to a single scanner
      • Built-in image quality assessment
      • System prevents submission of duplicate items
  • Mobile Deposit

      Mobile Banking from Pacific Mercantile Bank includes the ability to make deposits using the camera on your smart phone or tablet device. Simply follow the steps to photograph the front and back of the check. The mobile application sends the deposit safely and securely to the Bank.

      Key Benefits

      • Convenient deposits from any location using your mobile device
      • Ideal for businesses with low deposit volume
      • Easy to use, convenient, and secure

      Key Features

      • Encrypted transmission from your smart phone or tablet
      • Check images are never stored on your device
      • Access is secured using a security token
      • Built-in image quality assessment
      • System prevents submission of duplicate items
  • Merchant Services

      Receive funds quickly and securely – anywhere. With Merchant Services you can easily accept credit card payments without any hassles, allowing your customers to pay the way that they want to. From countertop terminals to mobile terminals and virtual terminals, we offer the technology and solutions that are essential to any modern business.

      Key Benefits

      • Set up shop anywhere – including mobile
      • Accommodate all payment preferences

      Key Features

      • Hosted payments help your customers feel more secure with a branded payment form on your website
      • Electronic invoices bring your invoicing process into the modern age
      • Easily use any internet-connected device to accept payments with Virtual Terminal
  • Courier

      Pacific Mercantile Bank provides courier service for businesses that need deposits picked up at their location. Courier pickup may be scheduled to fit your needs. On scheduled deposit days, the courier will pick up your bank deposit bag. Your deposit bag is then processed and your deposits credited.

      Key Benefits

      • Flexible scheduling
      • Courier pickups at your location

      Key Features

      • No more expense and travel to make branch deposits
      • Armored transportation available for large cash deposits
  • Cash Vault

      Cash Vault from Pacific Mercantile Bank helps you to redirect your focus from protecting your cash to growing your business. We integrate a Smart Safe and armored transportation to provide you with a simple, effective, and secure solution to depositing cash. The Smart Safe resides at your location and reports back to PMB when you deposit cash, thus providing immediate funds availability in your Pacific Mercantile Bank deposit account.

      Key Benefits

      • Reduced or eliminated cash shortages
      • Improved security for you and your employees
      • Accurate, secure cash handling
      • Faster deposits, immediate funds availability
      • All funds guaranteed against loss, robbery, or theft

      Key Features

      • Smart Safe with small footprint expedites installation
      • Rugged construction deters unauthorized access
      • All cash handling processes tracked with online tools
      • Comprehensive reporting
      • Real time data formatted to your exact specifications
      • Armored transportation provided for safe and secure transport of cash from your Cash Vault
  • Lockbox

      Lockbox service directs deposits to a unique lockbox address and specific department number. Once payments are received at the lockbox location, the mail is processed according to each client’s specifications. Pacific Mercantile Bank’s lockbox location is Walnut, California. Lockbox helps you forget deposit processing and concentrate on your core business.

      Key Benefits

      • Reduced float from days in the mail
      • Improved cash flow
      • Improved information access
      • Timely payment processing

      Key Features

      • Business-to-business and consumer-to-business models
      • Online access to view transaction details
      • Data transmission available for payment details
      • Ability to scan coupons or perform data entry for deposits
      • Ability to process for acceptable payees only
  • ACH Collections

      The Automated Clearing House (ACH) system provides a low-cost electronic transfer network governed by the National Automated Clearing House Association (NACHA). Using our online banking platform, you can take advantage of web-based security and technology to expedite and manage your receivables. Our ACH system streamlines payments and collections while improving productivity, so you can receive deposits faster by automatically collecting payments from your customers.

      Key Benefits

      • Lower processing costs
      • Reduced exposure to check fraud
      • Increase cash flow by collecting on invoices faster
      • Efficiently collect funds by originating debits as authorized by your customers or vendors

      Key Features

      • Create ACH transactions on the fly using online banking
      • Import ACH files in any format
      • Upload NACHA formatted files directly to the Bank
      • Pre-set approval authorities and establish individual limits
      • Send same day ACH for immediate credit the same day

Want to know more?

Barbara Mac Dermot
VP/Treasury Management Manager
(858) 320-8401

Shamara Vizcarra
EVP/Head of Operations & Client Experience
(714) 438-2629

Or contact the Treasury Management Team: TreasuryManagement@pmbank.com

Or we would be glad to call you.