Money Market Select

Pacific Trust Bank's Money Market Select combines the high yields of a savings account with the flexibility of a checking account. At 4.80% APY, it offers near-market-leading returns while giving you check-writing privileges and a debit card — features no standard savings account offers. The tiered rate structure rewards larger balances: $2,500-$24,999 earns 4.60%, $25,000-$99,999 earns 4.80%, and $100,000+ earns 5.00%. The $2,500 minimum and $10 monthly fee (waived above minimum) make this best suited for larger savings pools. This is ideal as a secondary emergency fund or a holding account for money you might need to spend quickly — the debit card means instant access without transfers.