Pacific Commerce Bank provides a variety of personal account checking and savings services, as well as offers ATM and credit card services. It serves individuals and businesses in California and focuses on the Japanese-American business community. The bank is a member of the Federal Deposit Insurance Corporation. Pacific Commerce Bank provides a variety of loan products and offers telephone banking solutions, as well as provides health savings accounts and certificates of deposit. Its direct deposit services include payroll, dividends, and social security and annuity checks. The bank works in partnership with Jack Henry & Associates, which is one of the leading providers of banking technologies and Internet banking capabilities in the United States. It specializes in firewalls and unique identifiers and passwords, as well as suspect monitoring and reporting solutions.