Checking & Investment

We offer a full complement of services tailored to meet all your banking needs. These include personal deposit accounts as well as customized loans to fit your unique situations. Relationship banking is our specialty. Bank of Escondido - "Relationship Banking, backed by local experience."

DEPOSIT ACCOUNTS

Personal Checking


Minimum Balance Requirements
An opening deposit of $100 is required. A daily collected balance of $500 or a monthly average collected balance of $1000 is required to avoid a service charge.

Personal Interest Checking


Minimum Balance Requirements
An opening deposit of $1500 is required. A daily collected balance of $1500 or a monthly average collected balance of $3000 is required to avoid a service charge.


Senior Checking

This account is offered, free of monthly service charges, to clients aged 62 or better. There is no minimum opening deposit required for this account. No minimum daily or average balance is required to avoid a monthly service charge.


Personal Savings

Minimum Balance Requirements
A deposit of $100 is required to open this account. A daily collected balance of $300 or a quarterly average collected balance of $500 is required to avoid a service charge.

Compounding and Crediting
Interest will accrue daily, compound and credit quarterly. Closing the account prior to interest payment will result in forfeiture of accrued interest.

Transaction Limitations
You may make up to six (6) pre-authorized, automatic or telephone transfers from your account each statement cycle without incurring a service charge. Of the six, no more than three (3) may be point of sale, draft, or by check. There is no limitation on in-person withdrawals. A fee for excessive activity may be charged.


Personal Money Market

Minimum Balance Requirements
A deposit of $1000 is required to open this account. A daily collected balance of $1000 or a monthly average collected balance of $2500 is required to avoid a service charge.

Transaction Limitations
You may make up to six (6) pre-authorized, automatic or telephone transfers from your account each statement cycle without incurring a service charge. Of the six, no more than three (3) may be point of sale, draft, or by check. There is no limitation on in-person withdrawals. A fee for excessive activity may be charged.

Compounding and Crediting
Interest will accrue daily, compound and credit monthly. Closing the account prior to interest payment will result in forfeiture of accrued interest.


Certificate of Deposit

Disclosure of Account Terms
For complete disclosure information, please refer to the Account Disclosure Statement provided at the time of opening these accounts.

Compounding and Crediting
Interest will accrue daily, compound and credit quarterly. Closing the account prior to interest payment will result in forfeiture of accrued interest. Penalties will be imposed for early withdrawal.

Internet Banking

Cash Management

Remote Deposit