Personal Checking

Checking Accounts

Checking Accounts

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Santa Cruz County Bank offers Personal Checking accounts designed to suit your personal needs, which include:

Personal Checking Accounts: Sandpiper
Simple Checking
Seacliff
Standard Checking
Seascape
Interest Checking
Pajaro Premier
Interest Checking
Minimum opening balance $100 $100 $500 $1,000
Monthly service charge1 $5.00 or waived with direct deposit $10.00 or waived with direct deposit $12.00 or waived for individuals 60 and older $14.00
Minimum daily balance to avoid monthly service charge Not applicable $1,000 $3,000 $5,000
Monthly service charge waived with combined average daily balance for the monthly statement cycle.4 Not applicable4 $5,0004 $10,0004 $15,0004
Maximum # of checks written per month with no extra charge 10 Unlimited Unlimited Unlimited
Per check charge over maximum $0.50 Not applicable Not applicable Not applicable
Deposits per month Unlimited Unlimited Unlimited Unlimited
ATM fees2 Waived Waived Waived Waived
Check orders No waiver or discount First minimum order of checks free with direct deposit3 First minimum order of checks free with direct deposit3 Free3
Combined statement available Yes Yes Yes Yes
Interest Not applicable Not applicable Interest earned on tiered daily balance Interest earned on tiered daily balance

1 First monthly service charge waived on all accounts.
2 Other banks may charge a fee for transactions at their locations.
3 Santa Cruz County Bank custom checks only.
4 The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The following account types are eligible for combined balance calculations and may be combined with your account to avoid a monthly service charge (if the average daily balance requirement is met): Checking, Savings and Certificate of Deposit.
Please contact us for a current copy of the Santa Cruz County Bank Personal and Business Account Fee Schedule which includes the Analysis Account fees.

Compare Our Personal Savings Accounts

My County Reserve Overdraft Protection

Avoid the hassle, expense and embarrassment of bounced checks with My County Reserve overdraft protection. My County Reserve Lines of Credit require credit approval. Call or come in for more information.

Click on the tutorials below to learn about additional products we offer.

My County Mobile Banking. Secure access to your acount information right from your mobile phone. Watch Educational Video.

eStatements. Fast. Simple. Secure. The better way to receive your monthly statements. Watch Educational Video.

Popmoney. The easiest way to send money to friend and family. Watch Educational Video.

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