Personal Checking from 1st Capital Bank (Monterey, CA)

Personal Checking

At 1st Capital Bank, a division of Santa Cruz County Bank, we offer a variety of checking account options designed to fit a wide range of banking needs. Whether you prefer to write checks or conveniently manage your accounts online, we have solutions to suit your banking needs. Get started today by speaking with a Client Services Representative at your nearest branch.

Click on the account type below to view additional account details.

Compare Personal Checking Accounts

Account Type

Minimum to Open Account

Interest Earned

Average Balance to Avoid Service Charge

Transaction Limitations

Personal Checking

$100

No

$1,000

Unlimited

Lifeline Checking

$100

No

$100

Limited to 6 Checks per Statement Cycle

Personal Interest Checking

$100

Yes

$2,000

Unlimited

Privileged Checking

$100

No

None

Unlimited

Premier Personal Interest Checking

$1,000

Yes

$25,000

Unlimited

Direct Deposit Checking

$100

No

None

Unlimited

We Make Electronic Banking Easy!

All of our personal checking accounts include these features:

  • Visa® Debit Card

  • No transaction fee charged at 1st Capital Bank, a division of Santa Cruz County Bank, and AllPoint ATMs

  • Online Banking and eStatements

  • Electronic Bill Payment

  • Mobile Banking and Mobile Check Deposit

  • Combined statement available with Checking or Savings Account with identical ownership

Call your local branch to learn more about these additional services:

  • Safe Deposit Box (subject to availability)
  • Automatic Transfer between 1st Capital Bank, a division of Santa Cruz County Bank, accounts
  • Consumer Domestic and International Wire Transfer

Account Disclosures

Explore Your Digital Toolbox

Find the tool that's right for you. With convenient options like Online Banking, Mobile Banking & Deposit, Bill Pay and Person-to-Person Payments, you can manage your accounts whenever and wherever you'd like.

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