Personal Accounts
Checking Accounts
| |
Regular Checking |
Interest Checking |
Relationship Checking |
| Minimum Opening Deposit |
$100 |
$100 |
$100 |
| Checks / Statements |
Unlimited Check Writing
Image checks with monthly statements |
Unlimited Check Writing
Image checks with monthly statements |
Unlimited Check Writing
Image checks with monthly statements |
| Online Banking |
Free Online Banking access |
Free Online Banking access |
Free Online Banking access |
| Interest* |
None |
This is an interest bearing account. |
This is an interest bearing account. |
| Monthly Service Charge: |
$8 or waived if a minimum daily balance of $500 or an average daily balance of $1,500 is maintained during the statement cycle. |
$10 or waived if a minimum daily balance of $1,000 or an average balance of $2,500 is maintained during the statement cycle. |
$12 or waived if a minimum daily balance of $5,000 or a combined average daily balance of $10,000 is maintained in your linked deposit accounts during the statement cycle. |
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Money Market Accounts
| |
Personal ACFlex |
Money Market |
Super Money Market |
| Minimum Opening Deposit |
$100 |
$100 |
$100,000 |
| Checks / Statements / Withdrawals |
Unlimited Deposit and in person withdrawals
Allows six pre-authorized withdrawals, automatic transfers, and telephone transfers per month. |
Unlimited Deposit and in person withdrawals
Allows six pre-authorized withdrawals, automatic transfers, and telephone transfers per month. |
Unlimited Deposit and in person withdrawals
Allows six pre-authorized withdrawals, automatic transfers, and telephone transfers per month. |
| Online Banking |
Free Online Banking access |
Free Online Banking access |
Free Online Banking access |
| Interest* |
Tiered interest rates according to balance. |
Tiered interest rates according to balance. |
Tiered interest rates according to balance. |
| Excess Transaction Fee |
$25 per transaction over the withdrawal limit. |
$25 per transaction over the withdrawal limit. |
$25 per transaction over the withdrawal limit. |
| Monthly Service Charge: |
$25 or waived if a minimum daily balance of $5,000 or an average daily balance of $10,000 is maintained during the statement cycle. |
$25 or waived if a minimum daily balance of $5,000 or an average daily balance of $10,000 is maintained during the statement cycle. |
$25 or waived if a minimum daily balance of $5,000 or an average daily balance of $10,000 is maintained during the statement cycle. |
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Savings Accounts
| |
Personal Savings Account |
| Minimum Opening Deposit |
$100 |
| Statements / Withdrawals |
Unlimited Deposit and in person withdrawals
Statements are sent on a calendar quarter.
Allows six pre-authorized withdrawals, automatic transfers, and telephone transfers per month. |
| Online Banking |
Free Online Banking access |
| Interest* |
Yes |
| Excess Activity Fee |
$2 per transaction in excess of six per month. |
| Monthly Service Charge: |
$2 or waived if a minimum daily balance of $300 is maintained during the statement cycle. |
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Certificate of Deposit
| |
Certificate of Deposit |
| Minimum Opening Deposit |
$1,000 |
| Interest |
Yes. Rates according to terms. |
| Features |
CDs are insured by the FDIC up to the maximum allowed by law.
Penalties may apply for early withdrawal.
Terms can range from 30 days to three years.
Traditional, Roth and SEP IRA account types available. |
| Monthly Service Charge: |
None |
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| |
OTHER PRODUCTS AND SERVICES |
| Online Banking |
Free access to online banking where you can check your balance and account transfers between accounts within the bank. |
| Wire Transfers |
Domestic or International |
| Special Checks |
Cashier’s Checks
American Express Travelers Cheques
American Express Gift Checks |
| ATM Cards |
No America California Bank charges for ATM withdrawals from any ATM on Star or Plus systems. |
*Variable rate may change daily and interest is compounded monthly and credited to the account monthly. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example checks). If the account is closed before interest is credited, you will not receive the accrued interest.
Please contact us for current rates and /or to see our Schedule of Fees and Charges
(415)986.5678 – Operations Department
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Business Accounts
Checking Accounts
| |
Small Business Checking |
Small Business Interest Checking |
Business Analysis Checking |
| |
Our basic account for small businesses – writing fewer than 100 checks per month. |
Our basic account for sole proprietor businesses or small – qualified non-profit organizations – writing fewer than 100 checks monthly. |
Our checking account for businesses having frequent or high volume transaction activity. |
| Minimum Opening Deposit |
$100 |
$100 |
$100 |
| Monthly Service Charge** |
$18 or waived if a minimum daily balance of $1,000 or an average daily balance of $3,000 is maintained during the statement period. |
$18 or waived if a minimum daily balance of $1,000 or an average balance of $3,000 is maintained during the statement cycle. |
Based on Account Analysis.
$18 maintenance charge plus additional charges for specific services offset by the earnings allowance for the account. Earnings allowance is based on the 3-month Treasury bill rate and the average available balance in the account. |
| Checks / Statements |
First 100 checks free, $0.15 per check in excess of 100.
Image checks with monthly statements |
First 100 checks free, $0.15 per check in excess of 100.
Image checks with monthly statements |
Unlimited check writing
Image checks with monthly statements.
Monthly analysis statement detailing your account activity. |
| Online Banking |
Free Online Banking access |
Free Online Banking access |
Free Online Banking access |
| Interest* |
None |
This is an interest bearing account. |
Non-interest bearing checking account. |
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Money Market Accounts
| |
Business ACFlex |
Business Money Market |
Super Business Money Market |
| Minimum Opening Deposit |
$100 |
$100 |
$100,000 |
| Monthly Service Charge: |
$25 or waived if a minimum daily balance of $5,000 or an average balance of $10,000 is maintained during the statement cycle. |
$25 or waived if a minimum daily balance of $5,000 or an average balance of $10,000 is maintained during the statement cycle. |
$25 or waived if a minimum daily balance of $5,000 or an average balance of $10,000 is maintained during the statement cycle. |
| Checks / Statements / Withdrawals |
Unlimited Deposit and in person withdrawals
Allows six pre-authorized withdrawals, automatic transfers, and telephone transfers per month. |
Unlimited Deposit and in person withdrawals
Allows six pre-authorized withdrawals, automatic transfers, and telephone transfers per month. |
Unlimited Deposit and in person withdrawals
Allows six pre-authorized withdrawals, automatic transfers, and telephone transfers per month. |
| Excess Transaction Fee |
$25 per transaction over the withdrawal limit. |
$25 per transaction over the withdrawal limit. |
$25 per transaction over the withdrawal limit. |
| Online Banking |
Free Online Banking access |
Free Online Banking access |
Free Online Banking access |
| Interest* |
Tiered interest rates according to balance. |
Tiered interest rates according to balance. |
Tiered interest rates according to balance. |
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Savings Accounts
| |
Business Savings Account |
| Minimum Opening Deposit |
$100 |
| Statements / Withdrawals |
Unlimited Deposit and in person withdrawals
Statements are sent on a calendar quarter.
Allows six pre-authorized withdrawals, automatic transfers, and telephone transfers per month. |
| Online Banking |
Free Online Banking access |
| Interest* |
Yes |
| Excess Activity Fee |
$2 per transaction in excess of six per month. |
| Monthly Service Charge: |
$2 or waived if a minimum daily balance of $300 is maintained during the statement cycle. |
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Certificate of Deposit
| |
Certificate of Deposit |
| Minimum Opening Deposit |
$1,000 |
| Interest |
Yes. Rates according to terms. |
| Features |
CDs are insured by the FDIC up to the maximum allowed by law.
Penalties may apply for early withdrawal.
Terms can range from 30 days to three years. |
| Monthly Service Charge: |
None |
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| |
OTHER PRODUCTS AND SERVICES |
| Online Banking |
Free access to online banking where you can check your balance and transfer funds between your accounts with America California Bank. |
| Wire Transfers |
Domestic or International |
| Special Checks |
Cashier’s Checks |
| ACH Services |
Receiving and Origination |
| Remote Deposit Capture |
Eliminate daily trip to the bank by using a device to capture images of deposited items and uploads them to America California Bank. Please contact us for more information. |
*Variable rate may change daily and interest is compounded monthly and credited to the account monthly. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example checks). If the account is closed before interest is credited, you will not receive the accrued interest.
Please contact us for current rates and /or to see our Schedule of Fees and Charges
(415)986.5678 – Operations Department
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| LOANS AND LINES |
| Consumer Loans |
Business Loans |
| Consumer Lines of Credit |
Commercial Lines of Credit |
| Consumer Term Loan |
Commercial Term/Line Loan |
| |
Commercial Real Estate Loan |
| |
Construction Real Estate Loan |
Please contact us for more information about our Loans and Lines at (415)986-5678.
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