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July 7, 2022 | Security Focus

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June 10, 2022 | Did you know...

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As a valued client and friend of Monterey County Bank, we want to apprise you of our continuing efforts concerning the COVID‐19 pandemic.  The safety and well-being of all are paramount to us. Accordingly, we have implemented measures to curtail the spread of the virus. Our Banking hours continue to be as posted at our branches and MCB website and remain in effect.

Our commitment to our Community remains as it has for the past 40+ years.  While we all are communicating more through contactless processes such as phone or email during this time, we want you to know that we are still here for you! As a reminder, no Bank employee or any company affiliated with the Bank will contact you via email or by phone requesting your Online Banking login or other sensitive information.  If you are contacted or receive any electronic communication from an unknown source, please do not release any information and contact your local branch as soon as possible to verify the request.

To provide a safe and secure environment as well as minimize contact between our customers and Bank staff, we also offer and encourage the use of the following alternative services to conduct banking transactions:

  • Drive-Up Window: Available at our Monterey and Carmel branches.
  • Online Banking: For initial setup, please call your local branch to speak with a representative.
  • Night-Drop Deposit: Available at all branch locations.
  • ATM: Available at our Monterey Branch.
  • Call or Email: Please do not include sensitive information when leaving messages or sending unsecure emails

If your banking transaction or activity cannot be completed utilizing the alternative services listed above and you need to enter a branch lobby:


If you answer YES to any of the following questions, we request that you DO NOT ENTER any of our branch lobbies. Instead, please call the branch to speak with a representative. A listing of branch phone numbers can be found on our Contact Us page.


  • Experienced fever, cough, sore throat, or other flu-like symptoms?
  • Been exposed to COVID?
  • Traveled outside of the U.S.?

Additional information can be found by clicking on the Learn More button below.

We thank you for your understanding and cooperation.

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FDIC insurance covers all types of deposits received at an insured bank, including deposits in a checking account, negotiable order of withdrawal (NOW) account, savings account, money market deposit account (MMDA), time deposit such as a certificate of deposit (CD), or an official item issued by a bank, such as a cashier's check or money order.

FDIC does not insure money invested in stocks, bonds, mutual funds, life insurance policies, annuities or municipal securities, even if these investments are purchased at an insured bank.

Accounts will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category. 

For more information about FDIC insurance coverage, visit:

Use the FDIC's Electronic Deposit Insurance Estimator to calculate insurance coverage.
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