De Novo Banking Services

How to Start a Bank

Starting a new bank is a long process. To open a de novo bank, you’ll have a list of activities to complete, including discovering your strategy, generating capital, acquiring customers, and growing your team.

A trusted partner is critical. PCBB has over 25 years of proven results working with over 300 in-organization and de novo banks. We have the expertise and correspondent banking services to successfully launch new banks and the solutions to help them excel.

We have you covered. After you have started your bank, PCBB can support your operational activities and offer additional tools and services to grow your bank.

Key Benefits:

  • Operational efficiencies and banking services managed by PCBB
  • Expert support from in-organization to de novo and beyond
  • A full suite of solutions to meet your customers’ needs
  • Dedicated to helping you compete

The Stages of Becoming a Bank

icon step 1 de novo
In-Formation
  • Establish core team
  • Register corporation
  • Build business plan and application
icon step 2 de novo
In-Organization
  • Application approved
  • Business plan aproved
  • Permission to begin capital raise
icon step 3 de novo
De-Novo
  • Open for business
  • Approved by state and federal regulators
  • Consent order and/or application restrictions
icon step 3 de novo
Bank
  • Profitable Entity
  • Consent orders and/or application constraints removed
  • Just like any other bank

A Variety of Bank Services to Support Your Growth and Success

...
In-Organization Services
  • Escrow account
  • Operational account
  • Fed Funds Line of Credit
...
Cash Management Services
  • Settlement Services
  • Domestic Payments
  • Brokered Certificates of Deposit
  • Overnight Sweep Options
...
International Banking Services
  • International Payments
  • Foreign Checks and Banknotes
  • FX Forward Contracts
...
Advisory Services
  • CECL
  • Customer Profitability
  • Loan Pricing
  • Stress Testing

Why Work with PCBB?

PCBB customer testimonial

I have worked with PCBB through starting 2 new de novo banks. They were the first to take a risk on a new bank. PCBB stands up for its customers. That loyalty stays forever with us as we grow our bank.

Victor Guerrero, President, CFO & CCO, Infinity Bank