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 |
SUNSET SUPREME 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 charge1 | $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 |
| Fee waived with combined average daily deposit balance | Not applicable | $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 order of 150 checks free with direct deposit3 | First order of 150 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 |
| 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.
4 The following account types 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.