Personal Checking

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Personal Checking Accounts

  • FDIC coverage
  • Automatic transfers between accounts
  • Bill Payment – unlimited payments
  • Periodic account statements with images of cleared checks
  • eStatements, with enrollment in online banking
  • Telebank – unlimited 24/7 access to account information via phone
  • Online Banking – unlimited 24/7 access to your accounts through a secure connection
  • No charge for direct deposits such as payroll checks, social security, or pension payments
  • Debit Cards – For easy access to funds, ATM deposits and for use anywhere Mastercard is accepted
  • ATM card – make deposits, transfers between accounts, and withdraw cash through a wide network of ATMs
  • Santa Cruz County Bank does not charge its clients for using another bank's ATM; however other banks may charge a fee for transactions using their ATMs.

Contact us for additional information on accounts, rates, or to set a time to come in and open an account at one of our convenient locations.

Print
Account Details 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.
Contact us for a current copy of the Santa Cruz County Bank Personal and Business Account Fee Schedule which includes the Analysis Account fees.

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 overdraft protection is a line of credit which requires credit approval. For more information, call or visit one of our branches.

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