Personal Banking

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

Feature	Poppy Club	Golden Poppy (Age 50+)	Unlimited Checking	Individual Interest Checking
Opening Deposit	$100	$100	$100	$100
Monthly Service Fee (Subject to Minimum Daily Balance Requirement)	$8	$5	$10	$10
Minimum Daily Balance Requirement	N/A Service Fee applies regardless of balance	$100	$500	$1,000
Interest Bearing⁺	Yes	Yes	No	Yes
Other	Unlimited Checking No deposit or withdrawal limitations	Unlimited Checking No deposit or withdrawal limitations 3x5 Safety Deposit Box¹	Unlimited Checking No deposit or withdrawal limitations	Unlimited Checking No deposit or withdrawal limitations

Personal Savings Accounts

Feature	Student Savings	Personal Savings	Personal Money Market Savings
Opening Deposit	$50	$300	$2,500
Service Fee (Subject to Minimum Daily Balance Requirement)	$1 per Quarter	$1 per Month	$10 per Month
Minimum Daily Balance Requirement	$50	$300	$2,500
Interest Bearing⁺	Yes	Yes	Yes
Other	No deposit limitations Restrictions on number and types of transactions apply²	No deposit limitations Restrictions on number and types of transactions apply²	No deposit limitations Restrictions on number and types of transactions apply²

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 $1,000.
No initiation, set up or recurring service fees.
No deposits can be made within the term.
Penalties apply on early withdrawal transactions.

Individual Retirement Account (IRA)

Monterey County Bank offers competitive rates⁺ on IRAs with terms ranging from 12 months to 60 months.

Minimum deposit requirement of $250.
No initiation, set up or recurring service fees.
No deposits can be made within the term.
Penalties apply on early withdrawal transactions unless the client is qualified.

Personal Debit Card

A debit card is a quick and convenient way to make purchases in person, online or obtain cash from an ATM. These transactions are automatically withdrawn from the available balance of your checking account. Since you are spending the money you already have, there are no payment due dates or interest charge fees.

Monterey County Bank debit cards are accepted anywhere VISA is accepted.

Contact a New Accounts Representative to learn more!

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.