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

Resources

Stay Safe. Stay Informed.

As part of our ongoing commitment to keeping your information safe, we encourage you to review these helpful tips and resources on protecting yourself from identity theft and fraud.

 

Taking a few simple steps can go a long way in safeguarding your personal and financial information.

What Does FDIC Insurance Cover?

FDIC insurance covers deposits held at insured banks, including:

 

  • Checking accounts
  • Savings accounts
  • Money market deposit accounts (MMDAs)
  • Negotiable Order of Withdrawal (NOW) accounts
  • Certificates of Deposit (CDs)
  • Official bank-issued items, such as cashier’s checks and money orders

FDIC insurance does not cover investments such as:

 

  • Stocks or bonds
  • Mutual funds
  • Life insurance policies or annuities
  • Municipal securities
  • (Even if purchased through an FDIC-insured bank)

Understand Your Coverage with EDIE

Use the FDIC’s Electronic Deposit Insurance Estimator (EDIE) to calculate how your deposits are covered. This helpful tool allows you to review your account types and balances to ensure your funds are fully protected under FDIC insurance.

Plan Smart with Our Financial Calculators

Whether you're creating a budget, paying off a loan, planning for retirement, or saving for a major purchase, our suite of financial calculators is here to support your journey.

 

These easy-to-use tools can help you visualize outcomes, compare options, and make confident decisions every step of the way.

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Personal eBanking

Business eBanking