Business Checking

Person handing a check to another

Business Checking Accounts

Santa Cruz County Bank 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 – secure, unlimited 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
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Business Checking Accounts: Business Basic
Checking
Community Business*
Checking
Relationship Analysis
Account Analysis
Minimum opening balance $300 $300 $300
Minimum daily balance to avoid monthly service charge $2,500 $2,500 Low monthly service charge of $12.00 which can be offset by an earnings credit**
Monthly service charge $9.00 if balance falls below the minimum $12.00 if balance falls
below the minimum
Analysis Fee Schedule**
Maximum # of checks per month with no extra charge 100 75 Analysis Fee Schedule**
Per check charge over maximum $0.12 per check over allowed maximum $0.12 per check over
allowed maximum
Analysis Fee Schedule**
Deposits per monthly statement cycle 20 per statement cycle 15 per statement cycle Analysis Fee Schedule**
Per deposit charge over maximum $1.00 per deposit over maximum $1.00 each per deposit over maximum Analysis Fee Schedule**
Interest rate tiers Not Applicable $10,000.00 - 24,999.99
$25,000.00 - 49,999.99
$50,000.00 - 74,999.99
$75,000.00 - 99,999.99
$100,000.00 and up
Not Applicable

*This account is only available to sole proprietors or government entities, associations that are incorporated and not for profit and tax exempt, or non-profit organizations that are allowed to earn interest on checking account funds.
**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 Business 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. Contact us or come in for more information.

Cella Restaurant & Bar and Alta Bakery Café

Cella Restaurant & Bar and Alta Bakery Café
Kirk Probasco and Ben Spungin, Owners

"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
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!"

K&D Landscaping

Justin White
Justin White, CEO

"What sets Santa Cruz County Bank apart is they take the time to understand your business model, find out what your long-term goals are, and then offer solutions to make that happen. They have been a critical partner in our ongoing success, delivering consistent, personalized support."

To learn more, view our step-by-step instructional guides.

Fast Track! Remote Electronic Deposit. The quick way to turn deposits into cash. Watch Educational Video.

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