Business Banking

Building relationships with every account!

Checking

Savings

Remote Deposit

Merchant Services

Your business deserves banking solutions that work as hard as you do. Whether you’re launching a startup, managing daily operations, or planning for growth, we offer a full suite of business deposit products to support your financial goals.

At Monterey County Bank, we believe in building banking relationships and getting to know our customers. Your success is our priority, and we’re committed to building long-term relationships based on trust, service and a shared vision for growth. Visit or contact any one of our local branches to speak with a New Accounts Representative to help you get started!

Business Checking Accounts

Feature	Opening Deposit	Service Fee (Subject to Minimum Daily Balance Requirement)	Minimum Daily Balance Requirement	Interest Bearing	Other
Business Checking	$100	$25 per Month	$2,500	No	No deposit or withdrawal limitations
Low Volume Business Checking	$100	$12.50 per Month	$2,500	No	30 deposits, 100 checks & 25 ACH credits can be made monthly If exceeded: $1.00 per deposit $0.12 per check $0.12 per ACH or EFT item
Business Interest Checking (Sole Proprietors Only)	$100	$12.50 per Month	$2,500 - OR - Average daily balance is less than $5,000	Yes⁺	30 deposits, 100 checks & 25 ACH credits can be made monthly If exceeded: $1.00 per deposit $0.12 per check $0.12 per ACH or EFT item
Business Money Market	$2,500	$10 per Month	$2,500	Yes⁺	No deposit limitations Restrictions on number and types of transactions apply ²
Premier Professional Money Market	$500,000	No Monthly Service Charge	$500,000	Yes⁺	Initial and subsequent deposits must be new funds to the bank

Business Savings Accounts

Feature

Opening Deposit

Service Fee
(Subject to Minimum Daily Balance Requirement)

Minimum Daily Balance Requirement

Interest Bearing

Other

Business
Savings

$300

$1
per Month

$300

Yes⁺

No deposit limitations
Restrictions on number and types of transactions apply ²

Certificate of Deposit (CD)

Monterey County Bank offers competitive rates⁺ on CDs with maturities ranging from 1 month to 84 months.

Minimum deposit requirement of $10,000.
No initiation, set up or recurring service fees.
No deposits can be made within the term.
Penalties apply on early withdrawal transactions.

Business Services

Introducing Remote Deposit Capture

The quick way to turn check deposits into cash.

Key Advantages of Remote Deposit Capture:

Make your funds available faster.
Make deposits anytime.
Save time preparing deposits.
Consolidate funds from remote locations into one bank.
Cut costly courier fees or trips to the bank.
Reduce risk of check fraud.

Learn More

Merchant Services FAQs

Merchant Services

Merchant Services allow businesses to accept and process customer payments, including credit cards, debit cards, and online transactions.

At this time, MCB is not affiliated with a merchant services provider. We encourage businesses to review and compare providers to determine the right fit for their operations.

To support your evaluation, our Merchant Services FAQ guide offers helpful information and key considerations.

Questions?

We don't just open accounts, we build relationships.

+) Visit or contact a New Accounts Representative for Annual Percentage Yield “APY” & Rate Details.
1) Fee waived for the first year and based on availability.
2) Fees for additional transactions apply.