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Personal Accounts

Regular Checking

Our Regular Checking Account may seem basic, but you have a lot of options. It is great for anyone that requires an account without activity restrictions while maintaining lower balances.

Account Features:

View Schedule of Fees and Charges


NOW Account

Our NOW Account is interest-bearing and offers unlimited check writing privileges. This account is perfect for someone who requires an account without activity restrictions, and is able to maintain higher balances.

Account Features:

View Schedule of Fees and Charges


Money Market Savings

Our Money Market Savings account offers the benefits of an interest bearing savings account along with the convenience of a checking account. This account also rewards you when you maintain higher balances – the higher your balance, the higher the interest rate.

Account Features:

View Schedule of Fees and Charges


Regular Savings

Our Regular Savings Account allows you to earn interest while building your nest egg. You may also use this account to protect another account from experiencing an overdraft occurrence. Plus, you can keep track of all your activity utilizing a combined statement.

Account Features:

View Schedule of Fees and Charges


Seedling Account

Our Seedling Savings Account pays a premium interest rate up to the first $10,000 per child. This account utilizes the Uniform Transfer to Minors Act (UTMA) ownership which uses the minor’s social security number with an adult guardian as the signing authority.

Account Features:
  • Premium Interest Rate.
  • No minimum opening deposit.
  • No Service charge.
  • Unlimited deposits.
  • Online Banking.
  • Optional electronic statements and/or combined statements.

View Schedule of Fees and Charges


Christmas Club

Our Christmas Club Account is an interest-bearing account that helps you save via automatic transfers from another Community Bank of Santa Maria checking or savings account. You set your savings goal and we will help you structure a plan to meet it. The balance is automatically paid out to your Community Bank of Santa Maria checking or savings account every year in November.

Account Features:
  • Low minimum opening deposit.
  • Unlimited deposits.
  • Online Banking.
  • Optional electronic statements and/or combined statements.

View Schedule of Fees and Charges


Certificates of Deposit

Our Certificates of Deposit, or CD’s, are a type of savings account with a fixed rate and term. CD’s pay higher interest rates than Savings or Money Market Accounts and are ideal if you’d like a higher rate of return on money you don’t have an immediate need for.

Account Features:
  • Flexible maturities available from 30 days to 36 months.
  • Interest may be paid out to another account at our bank monthly or at maturity.
  • Principal may be withdrawn penalty free at maturity.
  • Online Banking.

View Schedule of Fees and Charges


Individual Retirement Account - IRA

We offer a variety of FDIC insured investment vehicles at competitive rates to help you earn and earmark funds for retirement savings or higher education.

  • Traditional IRA: Allows qualified individuals to direct pretax income, up to specific annual limits, toward investments that can grow tax-deferred. Contributions may be tax-deductible depending on the taxpayer’s income, tax-filing status and other factors.
  • Roth IRA: Similar to the Traditional IRA, but contributions are not tax-deductible and qualified distributions are tax free.
  • SIMPLE IRA: A Savings Investment Match Plan for Employees (SIMPLE) IRA is a retirement plan that may be established by employers, including self-employed individuals. The employer is allowed a tax deduction for contributions made to the SIMPLE. The employer makes either matching or non-elective contributions to each eligible employee's SIMPLE IRA and employees may make salary deferral contributions.
  • SEP IRA: A Simplified Employee Pension (SEP) IRA is a retirement plan established by employers or self-employed individuals. Employers may make tax-deductible contributions on behalf of eligible employees, including the business owner. The employer is allowed a tax deduction for plan contributions, which are made to each eligible employee's SEP IRA on a discretionary basis.
  • Educational IRA: A savings plan for higher education. Parents and guardians are allowed to make nondeductible contributions to an Educational IRA for a child under the age of 18. The Educational IRA is also referred to as the Coverdell ESA. The funds can be withdrawn tax free when they are needed for educational purposes.
Account Features:
  • Earn higher interest.
  • Flexible maturities available from 12 to 36 months.

View Schedule of Fees and Charges


CDARS®

We are part of the CDARS network, which is a program that provides our customers up to $50 million in FDIC Insurance. When you place a large deposit with us, we place your funds into CD’s issued by other FDIC insured banks in the network. This way you get the benefit of FDIC protection and the convenience of one account with one bank.

Account Features:
  • One Bank: Access $50 million in FDIC insurance coverage by working with just us.
  • One Rate: Earn one rate for each CD maturity and enjoy the option of reinvesting funds through a simple process.
  • One Statement: Receive one easy-to-read statement from your bank summarizing all of your CD holdings.

View Schedule of Fees and Charges

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