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.
Account Type |
Minimum to Open Account |
Interest Earned |
Average Balance to Avoid Service Charge |
Transaction Limitations |
---|---|---|---|---|
$100 |
No |
$1,000 |
Unlimited |
|
$100 |
No |
$100 |
Limited to 6 Checks per Statement Cycle |
|
$100 |
Yes |
$2,000 |
Unlimited |
|
$100 |
No |
None |
Unlimited |
|
$1,000 |
Yes |
$25,000 |
Unlimited |
|
$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