What does this change mean for my banking relationship?

You now have access to a broader suite of solutions to help you with every step of your financial journey. From expanded home lending options and comprehensive financial planning tools, trust and insurance services to the ability to start or grow your business with diverse customized lending options, broader treasury management solutions and leasing services. With over 350 branches and offices across eight states, a location or ATM is always nearby.

You will begin to see the Columbia Bank name and logo appear on websites, statements, mobile apps and other bank communications however, your Pacific Premier Bank accounts and services are not scheduled to transition to those offered at Columbia Bank until January 2026. Information surrounding any of these changes will be provided to you well in advance.

Deposit Accounts: Most of your products and services will remain the same.

Loans: Your existing loan rates and terms will remain unchanged unless you initiate a loan renewal or other change in terms or you default on your existing loan. Please continue to make payments as you always have.

Digital Services: There will be no immediate changes to the way you access your online banking, mobile apps, bill pay services, or the features you currently use within these systems.

Debit Cards and ATM Cards: There will be no immediate changes to your debit card or ATM card. 

Credit Cards: There will be no immediate changes to your credit card. You may continue to use your card and should continue to make your payments according to the terms of your agreement.

Treasury Management Services: There will be no immediate changes to your Treasury Management services.

Merchant Card Services: There are no changes to your existing Merchant Card solutions. Please continue to use these services as you always have.

What kinds of changes can I expect in the next few months?

You will begin to see the Columbia Bank name on signage, digital banking services, the website, statements, letters and more. We’ll also be working to integrate Pacific Premier Bank systems to Columbia Bank systems with a completion date scheduled for January 2026. Later this year, you will begin to receive important information regarding the conversion of your accounts and services to those offered by Columbia Bank as we prepare for the transition.

Up-to-date information will always be available in the Pacific Premier Bank Merger Center. This center is accessible from the homepage of ppbi.com and columbiabank.com.

Can I visit any Columbia Bank branch to conduct my daily banking?

You should continue to use any former Pacific Premier Bank branch to conduct your daily banking. You may also visit an existing Columbia Bank branch to conduct a variety of basic transactions, including:

• Check cashing
• Depositing funds to your Pacific Premier Bank account
• Transferring funds between your Pacific Premier Bank accounts
• Loan payments

For a complete list of branch locations, please visit www.columbiabank.com/locations.

Can I visit any Columbia Bank branch to open a new account?

Until we transition Pacific Premier Bank to Columbia Bank systems, former Pacific Premier Bank branches will offer similar but separate products and services than those offered at existing Columbia Bank branches.

You may continue to open accounts at any former Pacific Premier Bank branch. In doing so, you will continue to have the option of combined statements, access to your new account through digital banking and access to your funds through your current ATM/Debit Card.

You may choose to open accounts at any existing Columbia Bank branch, however those accounts will reside on separate systems from your current accounts, and you will receive separate statements, a separate digital banking login and a separate ATM/Debit Card.

In January 2026, Pacific Premier Bank systems are scheduled to migrate to Columbia Bank systems and Pacific Premier Bank accounts and services will be converted to those offered by Columbia Bank. You will receive information regarding the conversion prior to any changes to your accounts or services.

Can I use my Pacific Premier Bank card at a Columbia Bank ATM without paying a fee?

Yes, you may now use your Pacific Premier Bank Debit or ATM card at any Columbia Bank ATM for withdrawals without a fee. Deposits for Pacific Premier Bank accounts will not be accepted at Columbia Bank ATMs until the systems conversion, which is scheduled to occur in January 2026.

Are any Pacific Premier Bank branches going to close?

Due to the overlap between a few retail locations in our footprint, there will be some consolidations. If a location is being combined with an existing Columbia Bank location, more information will be shared with account holders of those locations well in advance.

Should I still visit the Pacific Premier Bank website?

Yes, you should continue to visit www.ppbi.com to log into digital banking, review product and service information and access any other systems you currently use.

I already have accounts with Columbia Bank. With my Pacific Premier Bank accounts, my deposit totals will be more than $250,000.00. Will I still be covered by FDIC insurance?

Your deposits continue to be insured by the FDIC. Each depositor is insured up to $250,000; the maximum permitted by law. If you have accounts with both Columbia Bank and Pacific Premier Bank, your funds at each institution will be insured separately for at least six months following the close of the merger.

Certificates of Deposits (CDs) from Pacific Premier Bank are separately insured from your deposits at Columbia Bank until the earliest maturity date after the end of the six-month grace period.

CDs that mature during the six-month grace period and are renewed for the same term and in the same dollar amount (either with or without accrued interest added to the principal amount) continue to be separately insured until the first maturity date after the six-month period.

If a CD matures during the six-month grace period and is renewed on any other basis, it will be separately insured only until the end of the six-month grace period.

Will my account number change?

Your account number will remain the same unless you have been previously notified.

Will the features of my account be the same?

Your deposit accounts will continue with the same features at this time. During the transition to Columbia Bank systems, which is scheduled to occur in January 2026, your accounts will convert to a Columbia Bank product. We will notify you in writing prior to any changes regarding the terms of your account.

Are there any immediate changes to products or fees?

Most products and fees remain the same at this time. The following requirements and fees will be eliminated or reduced as of September 1, 2025:

• Monthly or Annual Service Fees will no longer be charged for Basic Checking, Green Checking and IRA accounts.
• Minimum Opening Deposits reduced. All Consumer checking accounts will have a reduced minimum opening deposit of $25.00.
• Minimum Balance Requirements reduced. Regular Savings will have a reduced minimum balance of $200.00 to waive the Monthly Service Fee.
• Several miscellaneous consumer and business fees will no longer be charged.
  • Account Research/Reconciliation
  • ATM/Debit and Merchant Card Replacement: Standard, Expedited Card Delivery
  • Coin Handling: Loose, Sealed/Bagged, Purchase
  • Collection Items: Foreign Deposit, Domestic Item Collection, Foreign Item Collection
  • Copies: On-Us Check, Deposited Check
  • Letters of Account Certification
  • Night Drop: annual fee/key deposit
  • Safe Deposit Box: key deposit
  • IRA Early Withdrawal
• Wire Transfers: Initiated In-Person, Outgoing (Domestic) and Reverse wires will be reduced to $30.00 per transfer.

Additionally, beginning September 1, 2025, we will no longer be charging a non-sufficient funds fee on business accounts.

Can I continue to use my Pacific Premier Bank checks?

You may continue to use your existing stock of Pacific Premier Bank checks and will be able to use them after the systems conversion, which is scheduled to occur in January 2026.

Will the rates on my deposit account change?

Deposit rates and variable CD/IRA rates are subject to change at any time. Please check with your branch for current rate information. Fixed rate CD/IRA rates will remain the same until maturity.

Can I continue to use Pacific Premier Bank’s routing number?

Yes, please continue to use Pacific Premier Bank’s ABA routing number, which is 322285781, for your automatic deposits and payments, wires or any other electronic deposit or payment. They will continue to process without interruption. This information will change at the time of the transition to Columbia Bank systems, which is scheduled to occur in January 2026. We will provide you with updated information and instructions in advance.

What will happen to my automatic or direct deposits and automatic withdrawals?

Rest assured, all automatic or direct deposits and automatic withdrawals, including government deposits such as Social Security, will continue as usual.

Will my Certificate of Deposit (CD) or IRA be affected?

The term, rate and the maturity date on your CD or IRA will remain the same until maturity. We will notify you in writing prior to any changes regarding the terms of your CD or IRA at maturity.  

I currently have a loan. Are the terms on my loan changing?

No. The terms and conditions of your loan remain the same.

Will my loan number change?

Your loan number will remain the same unless notified otherwise. All impacted customers will be notified via U.S. mail well in advance of any change.

How do I make my loan payments?

There is no change in how you make your loan payments. You should continue to make your payments according to the terms of your loan. You may continue to use your Pacific Premier Bank loan payment coupons.

I have a loan in process. How do I proceed?

Rest assured, your loan will continue to process. Please reach out to the banker you have been working with directly if you have any questions.

Will how I access Digital Banking and Bill Pay change?

Please continue to access your accounts at www.ppbi.com or through the Pacific Premier Bank Personal or Business mobile apps. You will receive detailed information about the transition to Columbia’s digital banking systems prior to the systems conversion, which is scheduled to occur in January 2026.

You will not be able to access your Digital Banking or Bill Pay accounts through www.columbiabank.com or the Columbia Bank mobile apps until after we’ve transitioned your accounts to the Columbia Bank systems, which is scheduled to occur in January 2026. We will notify you in advance of any changes to your online services.

Has my user ID or password changed?

No, user IDs and passwords for all your Pacific Premier Bank services remain the same at this time.

Will I still be able to use my ATM Card or Debit Card?

Yes, you may continue using your current Pacific Premier Bank ATM Cards or Debit Cards as you always have.

Will my Debit Card continue to be enrolled in the MoneyPass Network?

Yes, your debit card can still be used at any MoneyPass ATMs to avoid paying a surcharge fee assessed by an ATM operator.

Can I continue to use my Credit Card?

You may continue to use your Pacific Premier Bank credit card and should continue to make payments as you always have. Pacific Premier Bank credit cards are issued by First National Bank of Omaha (FNBO) and as your card expires or needs to be reissued to you for any other reason, you may receive a card with the FNBO name and branding.

What is changing with my Treasury Management services at this time?

There are no immediate changes to your current Treasury Management services, fees or the support you receive today. Over the next few months, you will be receiving details surrounding the conversion of your services as well as some of the enhanced Treasury Management products that will be available to you.

Will my Merchant Services change?

There are no changes to your current merchant solutions. You should continue to use your merchant payment acceptance products as you always have.

I didn’t see my question in this Q and A.

Please contact your banker directly or contact us at 855-343-4070.

As a California resident, what are my privacy rights?

In addition to those outlined in our U.S. Consumer Privacy Notice, California residents have further protections under state laws. Please review the Important Privacy Choices for Consumers and our Privacy Notice for California Residents.