West Coast Community Bancorp (WCCB)

Overview

Santa Cruz County Bank is dedicated to providing a comprehensive range of commercial and personal banking services tailored for both residents and businesses in the community. Established in 2003 and headquartered in Santa Cruz, California, the bank operates through seven full-service offices located in key areas including Aptos, Capitola, Cupertino, Monterey, Santa Cruz, Scotts Valley, and Watsonville. In addition to its branches, the bank features two ATMs and night depository kiosks to enhance convenience for its customers.

Products and Services

• Deposit Products: Santa Cruz County Bank offers a variety of deposit accounts, which include checking accounts, savings accounts, term certificates, and money market accounts. Additionally, health savings accounts (HSAs) are available for medical expenses, alongside Individual Retirement Accounts (IRAs) and certificates of deposit (CDs) for long-term savings.
• Lending Products: The bank provides an extensive array of lending options including commercial loans, multi-family loans, agricultural loans, and construction loans. Specialized lending services are also available for the wine industry, along with venture banking solutions. Small business administration loans, as well as business and industry loans, cater to diverse commercial needs. Other options include loans supported by single-family residential real estate, commercial real estate financing, and various lines of credit.
• Debit and Credit Cards: Customers can benefit from debit and credit card options that facilitate everyday transactions and financial management, enhancing convenience in their banking experience.
• Online and Mobile Banking: With digital banking services, customers enjoy the flexibility of managing their accounts online or via mobile applications, making banking accessible anytime and anywhere.
• Remote Electronic Deposit: This service allows customers to deposit checks electronically without visiting a branch, streamlining the deposit process and saving time.
• Bill Payment Services: Santa Cruz County Bank offers efficient bill payment services, allowing customers to pay their bills easily and manage their financial obligations with convenience.
• Treasury Management Services: Designed for businesses, these services help companies manage their cash flow and optimize their financial operations, supporting the efficient handling of funds.
• Cash Management Services: The bank provides tailored cash management solutions that help businesses effectively manage their liquidity and meet operational needs.