Business Banking

Building relationships with every account!

Checking Savings CD Remote Deposit Merchant Services

Your business deserves banking solutions that work as hard as you do. Whether you’re launching a startup, managing daily operations, or planning for growth, we offer a full suite of business deposit products to support your financial goals.

At Monterey County Bank, we believe in building banking relationships and getting to know our customers. Your success is our priority, and we’re committed to building long-term relationships based on trust, service and a shared vision for growth. Visit or contact any one of our local branches to speak with a New Accounts Representative to help you get started!

Business Checking Accounts

Feature	Business Checking	Low Volume Business Checking	Business Interest Checking (Sole Proprietors Only)
Opening Deposit	$100	$100	$100
Monthly Service Fee (Subject to Minimum Daily Balance Requirement)	$25	$12.50	$12.50
Minimum Daily Balance Requirement	$2,500	$2,500	$2,500 - OR - Average daily balance is less than $5,000
Interest Bearing+	No	No	Yes
Other	No deposit or withdrawal limitations	30 deposits, 100 checks & 25 ACH credits can be made monthly If exceeded: $1.00 per deposit $0.12 per check $0.12 per ACH or EFT item	30 deposits, 100 checks & 25 ACH credits can be made monthly If exceeded: $1.00 per deposit $0.12 per check $0.12 per ACH or EFT item

Business Savings Accounts

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

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.

Business Services

Introducing Remote Deposit Capture

The quick way to turn check deposits into cash.

Key Advantages of Remote Deposit Capture:

Make your funds available faster.
Make deposits anytime.
Save time preparing deposits.
Consolidate funds from remote locations into one bank.
Cut costly courier fees or trips to the bank.
Reduce risk of check fraud.

Remote Deposit

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Merchant

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Elavon: End-to-end Merchant Services

Monterey County Bank works with Elavon, Inc to offer you payment processing solutions.

Elavon offers the latest in payment technology, so you can give your customers the choice to pay however they want. Whether you accept payments online, in person, curbside, in-app or over the phone, Elavon and Monterey County Bank have you covered.

For more than 25 years, Elavon has helped businesses of every size provide fast, secure payments that help drive both revenue and customer satisfaction.

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.