Beware of Scams: We have recently seen an uptick in fraudulent phishing and vishing attempts, please be alert to scam emails, texts, or phone calls claiming to be from Monterey County Bank. We will never ask for your online banking credentials, one‑time passcodes, or other sensitive information via unsolicited communications. If you receive a suspicious message or call, do not respond and contact Monterey County Bank directly using the phone number listed on our website.
FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Building relationships with every account!
Managing your finances should be simple, convenient, and built around your needs. Whether you’re looking for a checking account that fits your lifestyle, a CD or Savings account to help you reach your goals, or an Individual Retirement Account to plan for the future, we offer a full range of persona banking products designed with you in mind.
At Monterey County Bank, we believe in building banking relationships and getting to know our customers. We take the time to understand your needs and goals, so we can provide personalized solutions that make a difference. Visit or contact any one of our local branches to speak with a New Accounts Representative to help you get started!
Personal Checking Accounts
Opening Deposit | Service Fee
| Minimum Daily Balance Requirement | Interest Bearing | Other | |
Poppy Club | $100 | $8 | N/A | Yes+ |
|
Golden Poppy | $100 | $5 | $100 | Yes+ |
|
Unlimited Checking | $100 | $10 | $500 | No |
|
Individual Interest Checking | $100 | $10 | $1,000 | Yes+ |
|
Personal Money Market | $2,500 | $10 | $2,500 | Yes+ |
|
Platinum Premier Money Market | $500,000 | No Monthly | $500,000 | Yes+ |
|
+) 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.
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