March 17, 2021

Panacea Financial

ACEP has partnered with Panacea Financial to bring exclusive benefits to our members. Panacea offers banking for physicians, built by physicians. Their products and services are tailored to meet your needs at every stage in your career, whether you are a medical student, resident, fellow, or attending.

Panacea supports their products with service designed for you. As physicians themselves, they recognize how limited your time is so they provide:

  • Private Banker – you’re so much more than a number to us. You’ll have a personal connection who will work with you throughout your career.
  • We work emergency room hours - Live, in-person concierge customer support 24 hours a day, 7 days a week
  • Streamlined and transparent - No cosigner, no pre-application, no bait and switch on rates.

Panacea presents the PRN Personal Loan

As the name indicates, this is truly your money, as needed and with rates less than half of an average credit card.

All ACEP members are offered a bonus when you take out a PRN Personal Loan using the ACEP2021 promotional code1. 

Medical Students:

  • $50 cash back


  • $100 cash back


  • $100 cash back

Make sure to use ACEP2021 promotional code1 for the special ACEP incentive.

Medical School Loan Refinance

Our student loan refinance product was designed for doctors:

  • Transparent rates without pre-application
  • Streamlined digital process
  • No maximum loan amount 

All ACEP members are offered a bonus with a Medical School Loan Refinance using the ACEP2021 promotional code(1,2)


  • $100 cash back

Make sure to use ACEP2021 promotional code(1) for the special ACEP incentive.

Already a member?

Not a member?



Panacea Financial is a division of Primis. Member FDIC.
  1. Bonus incentive offered to ACEP members in good standing. Offer cannot be combined with any other offers, except any discount for making automatic payments.
  2. Offer subject to change.
  3. Cash back available only on a new PRN loan origination, and will be deposited into a Panacea Checking Account.
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