FDIC-Insured - Backed by the full faith and credit of the U.S. Government

FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Operating Accounts

An account perfect for managing your day-to-day business.

Client Trust Accounts

This is an interest bearing account for clients with significant funds or funds to be held for long periods of time.

Escrow Accounts

Make monthly or periodic deposits to clients' Escrow Accounts and hold funds for specific disbursement for insurance premiums, rent payments, taxes and other fixed obligations.

IOLTA Accounts

The Bank offers an interest earning checking account to California Attorneys and law firms that receive and disburse client funds. The account is established for trust funds that are nominal in amount or that are on deposit for a short period of time. Interest is paid monthly in accordance to statutory requirements and submitted to the California State Bar Association on your behalf.

Section 6210-6228 of the California Business and Professional code

Cash Management

Services include Remote Deposit Capture / ACH / Positive Pay / Lockbox / Bill Pay.

Merchant Services

Merchant Services allows for efficient, secure and convenient processing of credit and debit card payments. In managing your money better using credit/debit card and online payments you have the opportunity to streamline transaction handling, avoid check fraud and increase your sales by adding convenient payment options for your customers. HCN Bank partners with a third party vendor that offers secure processing, consolidated statements, real time reporting and next day funding.