Federally chartered FDIC insured Online only
Your crypto is collateral. Not a liability.
PCB Bank lets you borrow against your digital assets at transparent rates while keeping your position intact. Plus a full suite of personal and business banking products all online.
+
In loans originated
Same day
Funding on crypto loans
50 states
Fully online no branches
Our products
Digital-first lending and banking products built for how people actually manage money today.
01 � CRYPTO
Crypto-Backed Loans
Pledge BTC ETH or SOL and draw cash without selling your position.
50% LTV
02 � PERSONAL
Personal Loans
Fixed-rate unsecured loans for any purpose funded fast.
From 8.9% APR
03 � AUTO
Auto Loans
New and used vehicle financing entirely online.
Terms up to 72 months
04 � HOME
Home Mortgages
Purchase and refinance mortgages with a fully digital process.
10 15 and 30-year terms
05 � SAVINGS
High-Yield Savings
Earn more on your cash with a competitive APY no minimums.
Up to 5.10% APY
06 � BUSINESS
Business Lines of Credit
Revolving credit for businesses that move fast.
Up to
A bank that understands how you actually hold wealth.
- No rehypothecation. Your pledged assets sit in segregated custody. We never lend them out.
- Real-time transparency. Monitor your LTV margin thresholds and loan balance from your dashboard at any time.
- Regulated and insured. Federally chartered bank. FDIC insured deposits. NMLS licensed lending in all 50 states.