Pacific Crest Savings Bank was established in 1984 as Phoenix Mortgage and converted to a Washington State-charted, federally insured savings bank in 1998. It provides a range of personal and commercial banking services. It offers savings, business checking and individual retirement accounts, as well as certificates of deposit. Pacific Crest Savings Bank provides Internet and phone banking, check imaging, overdraft protection and direct deposit services. It additionally offers debit and credit cards, ATMs and traveler s checks. The bank provides commercial real estate, auto, home, personal and home improvement loans. Its online services include personal e-mail accounts, account statements, and bill payments and transfers. Pacific Crest Savings Bank additionally provides money orders and gift checks, as well as notary and check printing services. It is located in Lynnwood, Wash.