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
What’s New at MCB
Exciting things are happening at MCB! We’re introducing new features designed to make everyday banking easier and more convenient. As your local community bank, we remain committed to services that truly support you and our community.
Send and receive money with Zelle®
We have partnered with Zelle® to bring you a fast and easy way to send and receive money with friends, family and other people you trust.
Zelle® is available right from online and mobile banking, so you don’t need to download anything new to start sending and receiving money!
my mcb mobile banking
Your Bank, Right in Your Hand.
MyMCB Mobile makes it easy to manage your Monterey County Bank accounts securely and conveniently, right from your phone.
Stop Fraud Before it Happens with Positive Pay!
Protect your business accounts by verifying every check and ACH transaction.
Positive Pay adds a powerful layer of protection to your business banking by automatically matching issued checks and ACH payments against your approved list. It’s a simple, proactive way to keep your accounts secure.
Service available based on eligibility and signed agreement. Business Online access required.
Go paperless with eStatements!
Enroll today through Online Banking!
Enjoy fast, secure access to your statements anytime through Online Banking, plus the convenience of viewing, downloading, or printing whenever you need.
eStatements require Consumer Online Banking enrollment and a valid email. By enrolling, you consent to electronic delivery of statements and notices. You may request paper copies at any time; fees may apply. Some accounts may not be eligible.
Easily Move Your Money with TransferNow®
Move money securely between accounts in just a few clicks.
Seamlessly send funds between MCB and your other U.S. bank or brokerage accounts: secure, fast, and free. You’re in control wherever life takes you.
Service available to Consumer accounts only. Business accounts are not eligible. Consumer Online Banking access required.
24/7 ATM Access Available in Monterey & Salinas!
Enjoy secure, self-service banking anytime: no need to step into the branch!
Withdraw cash, check balances, and deposit cash or checks around the clock at these branch locations:
601 Munras Avenue
Monterey, CA 93940
1127 South Main Street
Salinas, CA 96901
Is Remote Deposit Capture for you?
Quickly turn check deposits into cash!
Remote Deposit Capture (RDC) helps businesses save time and money by allowing you to electronically scan and transmit your check deposits directly to the bank anytime from the convenience of your office.
Service available based on eligibility and approved application. Business Online access required. Additional fees may apply.
Simplify Payments with ACH Origination Services!
Send recurring and one‑time payments easily, securely, and on your schedule.
Handle payroll, customer billing, and vendor disbursements efficiently: saving time, cutting costs, and improving cash flow with automated transactions.
Service available based on eligibility and approved application. Business Online access required. Additional fees may apply.
News & highlights
Thank you!
We’re honored to be voted Best Local Bank in the Monterey Herald’s 2025 Readers' Choice Awards.
Your trust and support inspire us every day!
A winning match
On the pitch and in the community, we’re excited to partner with Monterey Bay Football Club as the Official Banking Partner and Lounge Sponsor for 2026! For more information about MBFC and the 2026 season, visit montereybayfc.com.
Introducing Voilà
We're excited to launch a new Community-Based Insurance Program with Voilà Insurance! Compare business insurance quotes from over 50 top-rated carriers with one click or call. It's fast, simple, and tailored to your business needs.
Our Mission
At the heart of everything we do is a simple yet powerful mission:
Support the success of local businesses and the people who drive them
This commitment guides our decisions, shapes our services, and inspires us to build lasting relationships that strengthen our community.
Copyright © 2026 Monterey County Bank. All rights reserved.
