Banking Built forYour Future
PremierCapitalTrust delivers institutional-grade banking to individuals and businesses — with real-time transfers, intelligent savings, and 24/7 security monitoring.
500,000+
Happy Account Holders
Join a community of individuals and businesses who trust PremierCapitalTrust for their financial future.
•••• •••• •••• ••••
Account Holder
Premier Member
✓ Free
Checking
4.85%
Savings APY
55K+
ATMs
Transfer Complete
$1,500 sent instantly
256-bit Encrypted
Bank-grade security
Modern banking,
built around you
From everyday checking to sophisticated investments — PremierCapitalTrust has the tools to manage every aspect of your financial life.
Bank-Grade Security
Multi-factor authentication, 256-bit encryption, and real-time fraud monitoring protect every transaction.
Mobile Banking
Deposit checks, pay bills, and manage your money from anywhere with our award-winning app.
Instant Transfers
Send money to anyone in seconds — domestically or internationally — with zero hidden fees. Powered by real-time payment rails.
High-Yield Savings
Earn up to 4.85% APY with our premium savings accounts — no minimum balance required.
Checking Accounts
Fee-free checking with unlimited transactions, early direct deposit, and nationwide ATM access.
Business Banking
Dedicated business accounts, payroll solutions, and merchant services for companies of all sizes.
Investment Solutions
Grow your wealth with managed portfolios, ETFs, and retirement accounts backed by expert advisors.
24/7 Support
Live agents available around the clock via phone, chat, or in-branch — whenever you need us.
Financial products for
every stage of life
Whether you're saving for the future, buying a home, or growing a business — we have the right product for you.
Personal Checking
Fee-free everyday banking
- Unlimited transactions
- Early direct deposit
- 55,000+ ATMs free
- Zelle® included
High Yield Savings
Earn more on every dollar
- No minimum balance
- FDIC insured up to $250K
- Automatic savings rules
- No withdrawal limits
Certificates of Deposit
Lock in guaranteed returns
- Guaranteed fixed rate
- Terms from 3 months
- FDIC insured
- Auto-renew option
Rewards Credit Card
Earn on every purchase
- No annual fee first year
- $200 welcome bonus
- Travel insurance
- 0% APR for 15 months
Personal Loans
Fast funding, low rates
- $1K–$50K amounts
- No prepayment penalty
- Fixed monthly payments
- Soft credit check first
Auto Loans
Drive your dream car
- Up to 84-month terms
- Pre-approval in minutes
- No origination fee
- Rate lock guarantee
Mortgages
Your path to homeownership
- Fixed & adjustable rates
- FHA, VA, Jumbo loans
- Online application
- Dedicated loan officer
Small Business
Banking that grows with you
- Business checking & savings
- Merchant services
- Business credit cards
- Payroll integration
Trusted by half a million customers
PremierCapitalTrust combines the stability of a traditional bank with the speed and convenience of modern fintech — giving you the best of both worlds.
500K+
Active Customers
Across 50 states
$2.4B+
Assets Managed
And growing
4.9★
App Store Rating
120K+ reviews
21 yrs
In Operation
Founded 2003
Bank-Grade Security
Military-grade 256-bit AES encryption on all data in transit and at rest.
24/7 Fraud Monitoring
AI-powered systems scan every transaction in real time to detect anomalies.
Instant Transfers
Move money between accounts or to other banks in seconds, not days.
Nationwide ATM Access
55,000+ fee-free ATMs across the country — plus ATM fee reimbursements.
Mobile Deposit
Deposit checks from your phone in under 30 seconds, available immediately.
Real-Time Alerts
Instant push notifications for every transaction, login, and account change.
Easy Account Opening
Open a fully verified account online in under 5 minutes — no branch visit needed.
FDIC Insured
All deposits insured up to $250,000 per depositor by the Federal government.
Your security is our highest priority
We invest more in security infrastructure than most banks our size — because protecting your money and data is non-negotiable.
Multi-Factor Authentication
Biometric, SMS, and authenticator app support
256-bit SSL Encryption
Bank-standard TLS 1.3 on all connections
Secure Login Detection
Device fingerprinting and geo-anomaly alerts
Fraud Protection Guarantee
Zero liability on unauthorized transactions
Privacy Commitment
We never sell your personal data to third parties
Your bank in your pocket
The PremierCapitalTrust app puts full banking power in your hands — deposit checks, pay bills, send money, and monitor your accounts from anywhere, anytime.
- Mobile check deposit — funds available same day
- Instant Zelle® and wire transfers
- Real-time spending insights and budgeting
- Card controls: freeze, unfreeze, set limits
- Biometric login — Face ID and fingerprint
- Bill pay with automatic scheduling
Total Balance
$48,250
CHECKING
$12,840.50
•••• 4821
Recent
4.9 ★ Rating
120K reviews
Trusted by real people
Don't take our word for it — here's what our customers say.
"Switched from a big national bank 2 years ago and never looked back. The business checking fees alone saved me over $1,200 last year. The mobile app is genuinely better than anything I've used."
Marcus T.
Small Business Owner · Austin, TX
"The high-yield savings rate is real — I'm actually earning meaningful interest for the first time. Setup took 4 minutes. Customer support answered my question in under 2 minutes via chat."
Priya K.
Software Engineer · San Francisco, CA
"Our mortgage officer was exceptional. She walked us through every step, locked our rate at the right moment, and we closed in 19 days. The online portal made document submission painless."
James & Linda R.
Homeowners · Charlotte, NC
"As a freelancer, irregular income made traditional banks frustrating. PremierCapital's flexible checking with no minimum balance and instant payment notifications changed everything for me."
Danielle M.
Freelance Designer · New York, NY
"I was nervous about online banking at first. The team walked me through everything patiently. Now I manage all my accounts from my phone. The fraud alerts give me real peace of mind."
Robert A.
Retired Teacher · Phoenix, AZ
"The personal loan process was shockingly fast. Checked my rate with no credit impact, got approved the same day, and had funds in my account the next morning. Exactly what I needed."
Sophia L.
Medical Resident · Boston, MA
Frequently asked questions
Can't find what you're looking for? Our support team is available 24/7.
Contact SupportOpening an account takes under 5 minutes. Click "Open an Account," provide your basic information, verify your identity with a government-issued ID, and fund your account with a minimum deposit. You'll receive instant confirmation and can start banking immediately.
Absolutely. We use 256-bit AES encryption, multi-factor authentication, device fingerprinting, and AI-powered fraud monitoring. All deposits are FDIC insured up to $250,000. We also offer zero-liability protection on unauthorized transactions.
Log in to online banking or the mobile app, navigate to "Transfers," and select "External Transfer." Link your external account using routing and account numbers. Standard ACH transfers arrive in 1–2 business days; wire transfers are same-day. Zelle® transfers are instant.
Our mobile app supports mobile check deposit, bill pay, Zelle® transfers, account management, card controls (freeze/unfreeze), spending insights, budget tracking, and real-time push notifications for every transaction.
Call our 24/7 fraud hotline immediately at 1-800-PCT-BANK, or use the "Freeze Card" feature in the app instantly. We'll investigate all unauthorized transactions and provide provisional credit within 5 business days while we resolve the issue.
Click "Forgot Password" on the sign-in page, enter your registered email address, and follow the secure reset link sent to your inbox. For added security, you'll also need to verify your identity via SMS or authenticator app.
We're available 24/7 via phone (1-800-PCT-BANK), live chat in the app or website, and email. In-branch appointments are available at all 200+ locations. Average phone wait time is under 2 minutes.