Personal Checking Account Comparison
Below is a comparison of checking accounts we offer. All Santa Cruz County Bank Checking Accounts include the following services:
- Free My County Connection Online Banking - unlimited 24/7 access to your account information via the internet.
- Free My County BillPay
- Free My County TeleBank - unlimited 24/7 telephone access to your account information
- Free My County CashCard - our Mastercard debit card
- Free use of Santa Cruz County Bank ATMs
- No charge for direct deposits made into your account such as payroll checks, social security or pension payments.
- First monthly service charge fee waiver
PERSONAL CHECKING ACCOUNTS: |
SANDPIPER Simple Checking |
SEACLIFF Standard Checking |
SEASCAPE Interest Checking |
PAJARO PREMIER Interest Checking |
|---|---|---|---|---|
| Minimum opening balance | $100 | $100 | $500 | $1,000 |
| Minimum daily balance to avoid monthly service charge | Not applicable | $1,000 | $3,000 | $5,000 |
| Monthly service charge 1 | $5.00 or waived with direct deposit | $10.00 or waived with direct deposit | $12.00 or waived for individuals 60 years and older | $14.00 |
| Monthly service charge waived with combined average daily balance for the monthly statement cycle. 4 | Not applicable | $5,000 4 | $10,000 4 | $15,000 4 |
| 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 fees 2 | 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 | Free 3 |
| Combined statement available | Yes | Yes | Yes | Yes |
| Interest | Not applicable | Not applicable | Interest earned on tiered daily balance |
Interest earned on tiered daily balance |
| FREE | FREE | FREE | FREE | |
My County Connection |
FREE | FREE | FREE | FREE |
| My County Connection eStatements |
FREE | FREE | FREE | FREE |
| My County BillPay Online Bill Payment |
FREE | FREE | FREE | FREE |
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.
4The 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.