Banking Built for Doctors, by Doctors
Panacea can help PCSO members save thousands with:
- Discounted interest rate for PRN Personal Loans
- Discounted origination fee for any Practice Loan
- Discounted interest rate for Student Loan Refinance
Simply use promo code “PCSO2025” on your application to qualify for benefits and join the bank built for doctors, by doctors.
PRN Personal Loans
Fair and affordable personal loans up to $50,000(3).
Enter promo code “PCSO2025” on the application to get 0.25% rate discount when you take out a PRN Personal Loan(1).
Practice Loans and Deposits
Lending and banking services for your practice needs.
The Panacea Practice Solutions team is here to help you accelerate your practice through specialized credit structures, competitive pricing, and experienced advice as you start, buy, or grow your practice.
Association members receive a 0.50% discount on loan origination and administration fees(1).
See How Panacea Can Help You Start, Acquire, or Grow Your Practice
Dental Student Loan Refinance
Refinance designed for doctors. Four rates to choose from that do not change with your income or debt level – no bait and switch, no wasted time on a pre-application to find your rate.
- No loan maximums
- Transparent fixed rates
- No cosigner
Enter the promo code “PCSO2025” on the application to get a 0.125% rate discount when you refinance your student loans with Panacea(1).
Checking & Savings Accounts
Fast and free, our mobile banking is built by doctors, for doctors and doctors in training.
- 100% free checking with unlimited ATM use nationwide(2).
- High-yield savings accounts with saving rates above the national average!
- No monthly fees. No overdraft fees. FDIC Insured.
Panacea understood the unique requirements of our non-traditional setup and made the entire process smooth from start to finish.
Their consistent support and reliability throughout the entire process, and even after, have been remarkable.
I was fortunate to find Panacea Financial, who went above and beyond to grasp my practice’s financial requirements and helped me secure the funding needed for my next phase of growth.
The entire process was seamless and stress-free, with funds deposited in less than 48 hours.
They walked me through each step of the refinancing process with patience and clarity. Even after the deal was done, they continued to touch base over the years.
Panacea understood the unique requirements of our non-traditional setup and made the entire process smooth from start to finish.
Their consistent support and reliability throughout the entire process, and even after, have been remarkable.
I was fortunate to find Panacea Financial, who went above and beyond to grasp my practice’s financial requirements and helped me secure the funding needed for my next phase of growth.
The entire process was seamless and stress-free, with funds deposited in less than 48 hours.
They walked me through each step of the refinancing process with patience and clarity. Even after the deal was done, they continued to touch base over the years.
1. 0.25% rate discount for PRN personal loan and 0.125% discount on student loan refinance: Terms and conditions apply. Offer good for new student loan refinancing customers only and subject to lender approval. To receive the offer, you must: (1) register and/or apply with promo code PCSO2025, (2) complete a loan application with Panacea Financial within 30 days of your application submit date, (3) and meet Panacea Financial underwriting criteria. Once conditions are met and the loan the interest rate shown in the Final Disclosure Statement will include an additional 0.25% rate discount because of your involvement with a Panacea Financial partner company at the time of loan origination. Offer good for new customers only. Cannot be combined with other rate discounts, with the exception of the 0.50% AutoPay rate discount. Panacea Financial reserves the right to change or terminate the Rate Discount Program to unenrolled participants at any time with or without notice.
PRN loan rate discount, student loan refinance rate discount incentive and discounted origination costs on commercial loans are offered to PCSO members. Offer cannot be combined with any other offers, except any discount for making automatic payments. Offer subject to change.
2. National Average based on FDIC as of 12/31/2024 (https://www.fdic.gov/regulations/resources/rates). APY = Annual Percentage Yield. The advertised APY is effective 12/31/2024 and subject to change thereafter. No minimum balance required to obtain the APY. The minimum to open a Panacea Savings Account is $25. Fees may reduce earnings. Offer is subject to change without notice and may be withdrawn at any time.
3. Not all applicants qualify for the lowest rate or maximum loan amount; subject to credit approval. Total borrower maximum varies by stage of career and with credit score. To check the rates and terms you qualify for, click “Apply Today” and Panacea will conduct a soft credit pull to determine your possible rate and will not affect your credit score.
Panacea Financial is a division of Primis Bank. Member FDIC.