Business Banking

Banking representative with a banking customer

Business Banking

Santa Cruz County Bank is a full-service community bank that focuses on building long-term relationships with small to mid-sized businesses, to help meet their financial service needs. When you bank with us, you have access to a dedicated and experienced business development officer who will work with you to understand your business.

We offer a broad array of products and services, and our professional and experienced financial representatives will help you select the best products to suit your specific needs. Our business accounts offer an option of maintaining a minimum daily balance, in order to offset monthly service charges. When you're unable to make it to the bank, our online services bring the bank to you.

Business checking accounts include the following:

FDIC coverage
Automatic transfers between accounts
Bill Payment – Unlimited payments
Periodic account statements with images of cleared checks
Cash Management – 24/7 secure access to your accounts
Telebank – Unlimited 24/7 telephone access to account information via phone
Business Debit Card – For easy access to funds, ATM deposits, and for use anywhere MasterCard is accepted

Education Center

Visit our Education Center for videos and simple step-by-step online banking instructional guides.

Business Banking Accounts

	Business Checking¹	Analyzed Business Checking¹	Business Money Market^1,2	Business Savings^1,2
Minimum opening balance	$300	$300	$1,000	$500
Monthly service charge	$9 if balance falls below the minimum	$12 which can be offset by an earnings credit*	$18 if balance falls below the minimum	$5 if balance falls below the minimum
Minimum balance to avoid monthly service charge	$2,500	*	$5,000	$500
Maximum # of checks paid per month with no extra charge	100	*	Not Applicable	Not Applicable
Per check charge over maximum	$0.12	*	Not Applicable	Not Applicable
Maximum # of withdrawals paid per month with no extra charge*	Not Applicable	Not Applicable	Allows up to six withdrawals per month, including in the form of a check or account transfer	Allows up to six withdrawals per month, including in the form of a check or account transfer
Per withdrawal charge over maximum*	Not Applicable	Not Applicable	$15	$1
Maximum # of deposits paid per month with no extra charge	20	*	Unlimited	Unlimited
Per deposit charge over maximum	$1	*	Not Applicable	Not Applicable

¹ See Account Agreement and Disclosure Statement for further account details.
² Business Money Market and Business Savings accounts may be subject to transaction limitations.
* Analyzed Business Checking fees, the earnings credit rate, and other fees and service charges are variable and subject to change periodically by the Bank. The rate appears on your Analyzed Business Checking statement.

Reserve Overdraft Protection

Avoid the hassle, expense and embarrassment of bounced checks with Reserve Overdraft Protection.
Reserve Lines of Credit require credit approval. Contact us or come in for more information.

Cella Restaurant & Bar and Alta Bakery Café

"We're really impressed with Santa Cruz County Bank. Their personal touch is what drew us to them. They take great care of us and treat us like family. The Bank's culture of trust and care for the client is exactly how we do business ourselves."

Botanic and Luxe

Leilani Zehnder and Ariel Stirm, Co-owners

"As a small, local business, it is very important to us to bank locally! You can't beat the experience at Santa Cruz County Bank - everyone is so friendly, the service is speedy, and they've always been there for us. PLUS, we get to enjoy their beautiful landscape every time we make a deposit - definitely a perk for us plant ladies!"

KBM Hogue

Mark Dailey and Matt Denning — Mark Dailey, CEO and Matt Denning, COO

"The level of attention and service we receive is unparalleled. We have realized that we can always count on Santa Cruz County Bank to be there for us, understand our unique needs and offer solutions that truly make a difference."