Business Checking

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Business Checking Accounts

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Santa Cruz County Bank offers Business Checking accounts designed to suit your business needs, which include:

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.
**Please contact us for a current copy of the Santa Cruz County Bank Personal and Business Account Fee Schedule which includes the Analysis Account fees.

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. Call or come in for more information.

Cat and Cloud Coffee

Cat and Cloud Coffee
Chris Baca, Jared Truby, and Charles Jack

"Banking with Santa Cruz County Bank, we feel like we have a true financial partner and advocate in our corner. Their care and support this year has allowed us to retain jobs, navigate a challenging business atmosphere, and access capital during an incredibly turbulent time."

Botanic and Luxe

Leilani Zehnder and Ariel Stirm
Leilani Zehnder and Ariel Stirm

"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

"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, click on the "Watch Educational Video" button for each educational video below.

My County Cash Management. Powerful business banking tools at your fingertips. Watch Educational Video.

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

ACH Manager. Powerful business banking tools at your fingertips.

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