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The Right Account for You!


From checking to IRAs, savings to loans, Sacramento Deposit Bank has an account to fit your need, whether you’re running a household budget or operating a business.  We can help you save for college, plan for retirement, or buy your first home. Stop in today to speak with our friendly staff!

Personal Checking Accounts


Make moving your accounts to us easy by downloading our Switch Kit to guide you through the process!

Regular Checking

Regular Checking

  • No Fee if the balance remains above $400; otherwise $4.00 per month
  • Unlimited use of Sacramento Deposit Bank ATM and Visa Debit Cards at no charge *
  • A $0.10 excess item charge will be assessed for all withdrawals over 35 per month, Visa Debit items excluded
  • $200 minimum to open
Student Checking

Student Checking

  • Must be a Full Time Student – Should your status change, your account will be changed to a Regular Checking account
  • No Monthly Fees
  • Unlimited use of Sacramento Deposit Bank ATM and Visa Debit Cards at no charge *
  • A $0.10 excess item charge will be assessed for all withdrawals over 35 per month, Visa Debit items excluded
  • $200 minimum to open
Prime Time Checking

Prime Time Checking

  • Must be age 65 or older to qualify
  • No Monthly Fees
  • Unlimited use of Sacramento Deposit Bank ATM and Visa Debit Cards at no charge *
  • A $0.10 excess item charge will be assessed for all withdrawals over 35 per month, Visa Debit items excluded
  • $200 minimum to open
NOW Account

NOW Account

  • No Fee if balance remains above $1,000; otherwise $5.00 per month
  • Unlimited use of Sacramento Deposit Bank ATM and Visa Debit Cards at no charge *
  • A $0.10 excess item charge will be assessed for all withdrawals over 35 per month, Visa Debit items excluded
  • $1,000 minimum to open
  • Interest is earned and paid to account monthly based on daily balance
  • Account is only available to individuals for personal use or sole proprietorships
Money Market Account

Money Market Account

  • No Fee if balance remains above $2,500; otherwise $5.00 per month
  • A $2.00 excess item charge will be assessed for all withdrawals over 6 per month
  • Interest is earned and paid to account monthly based on daily balance

Please see one of our customer service representatives for more information and disclosures.

* Other Financial Institutions may assess a surcharge on ATM activity at their machines

Personal Savings Accounts


 

Savings Account

Savings Account

  • No Fee if balance remains above $50; otherwise $5.00 per quarter
  • A $1.00 excess item charge will be assessed for all withdrawals over 3 per quarter
  • Interest is earned and paid to account quarterly based on daily balance
Christmas Club Account

Christmas Club Account

  • No Fees
  • Interest is earned and paid to account annually when payout is made
  • Checks issued in the month of October each year

Please see one of our customer service representatives for more information and disclosures.

Business Accounts


 

Business Checking

Business Checking

  • No Fee if balance remains above $400; otherwise $4.00 per month
  • A $0.10 excess item charge will be assessed for all withdrawals over 35 per month, Visa Debit items excluded
  • We reserve the right to modify this fee schedule at any time depending on type of business account requested
  • $200 minimum to open

Please see one of our customer service representatives for more information and disclosures.

Unlawful Internet Gambling Enforcement Act (UIGEA) of 2006

Unlawful Internet Gambling Enforcement Act (UIGEA) of 2006


The UIGEA, signed into law in 2006, prohibits any person engaged in the business of betting or wagering (as defined in the Act) from knowingly accepting payments in connection with the participation of another person in unlawful internet gambling.  The Dept of Treasury and the Federal Reserve Board have issued a joint final rule, Regulation GG, to implement this Act.

As defined in Regulation GG, unlawful internet gambling means to “place, receive or otherwise knowingly transmit a bet or wager by any means which involves the use, at least in part, of the internet where such bet or wager is unlawful under any applicable Federal or State law in the State or Tribal lands in which the bet or wager is initiated, received or otherwise made”.

As a customer of the Sacramento Deposit Bank, these restricted transactions are prohibited from being processed through your account or banking relationship with us.  If you do engage in an Internet gambling business and open a new account with us, we will ask that you provide evidence of your legal capacity to do so.

Please see one of our Operations specialists if you would like additional information on UIGEA or Regulation GG.

CDs and IRAs


 

Certificates of Deposit

Certificates of Deposit

  • 91 Day CD
  • 182 Day CD
  • 12 Month CD
  • 12 Month TDOA (Can make deposits into this account)
  • 18 Month CD
  • 24 Month CD
  • 30 Month CD
  • 36 Month CD
  • 48 Month CD
  • Jumbo CD

All CDs have a minimum opening deposit of $1,000 with the following exceptions:

  • 91 Day CDs have a minimum opening deposit of $5,000
  • 12 Month TDOA CDs have a minimum opening deposit of $100 and deposits must be made in $25 increments if made in person
  • Jumbo CDs have a minimum opening deposit of $100,000
Individual Retirement Accounts

Individual Retirement Accounts

IRA – 12 Month Certificate of Deposit

Please see one of our customer service representatives for more information and disclosures.

Loans


Looking to finance a new home, car, or vacation?  Come see any of our friendly loan staff.  We offer competitive rates, low closing costs, and flexible terms.

Complete line of loan products, including:

  • Personal loans
  • Auto loans
  • Mortgage loans
  • Agriculture loans
  • Commercial loans

Nationwide Mortgage Licensing Numbers


 

Other Services


 

Mobile Banking

Mobile Banking

Our mobile banking app is available for both iOS and Android platforms and allows you to check balances, make transfers, view your account activity, pay bills, and even deposit checks.  Our app is free to download from iTunes or the Google Play store. (Our app may not be compatible with all Android devices.)

Internet Banking

Internet Banking

Bank online anytime, day or night.  Pay bills to anyone with a click of the mouse.  Internet Banking and Bill Pay are free.

24-Hour Access Line

24-Hour Access Line

Your account information is also available 24 hours a day, 7 days a week by calling our free access line at 270-736-2426.  You must have your account number and personal identification number ready.  Information is available for checking and savings accounts, certificates of deposit, and loans.

Visa® Debit Card

Visa® Debit Card

All the convenience of a credit card with none of the interest charges.  See our New Accounts staff to sign up.

For more information regarding your Visa® debit card and PIN-based transactions, please Click Here

Safe Deposit Boxes

Safe Deposit Boxes

Stop by our office to view available boxes.  Price varies by size.

Notice Regarding Your Visa Debit Card

Notice Regarding Your Visa Debit Card


Your VISA® debit card (“Card”) may be used to conduct transactions on the VISA® network (“VISA®
Transactions”) and on the NYCE® network (“PIN Debit Network Transactions”).
When your Card and its PIN are used together in a transaction, the transaction will be a PIN
Debit Network Transaction. We have also authorized use of the Card without using a PIN.
When your Card is used without a PIN, the transaction may be a PIN Debit Network Transaction
or it may be a VISA® Transaction.
When your Card is used without its PIN, whether the transaction is a VISA® Transaction or a PIN
Debit Network Transaction is determined based on choices made during the transaction or the
choices the merchant makes in processing the transaction.
For example, a Card transaction will be a VISA® Transaction if a receipt is signed. Likewise, if the
merchant provides a choice as to whether a transaction is a “credit” transaction or a “debit”
transaction, and “credit” is selected and no PIN is provided, the transaction is a VISA®
Transaction. If a merchant processes Card transactions without obtaining a PIN and does not
provide a choice as to whether to process the transaction as a credit or debit transaction or any
other options regarding the network to be used for processing the transaction, the transaction
may be processed as a VISA® Transaction or as a PIN Debit Network Transaction depending upon
the merchant and the merchant’s choices.
If a transaction is a PIN Debit Network Transaction and is not a VISA® Transaction, the provisions
in the Agreement and Disclosure for Electronic Funds Transfers and Business Debit Card
Agreement addressing VISA® Transactions will not apply to the transaction.
International Transactions
  • A 1% (100 basis points) fee will be assessed for each International transaction. This fee may be applied whether or not there is a currency conversion.
  • This fee will be based on a rate selected by VISA/PLUS from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate VISA/PLUS itself receives, or the government-mandated rate in effect for the applicable central processing date.

 

  • A .20% (twenty basis points) Currency Conversion Fee will be assessed on International transactions where Cirrus, MasterCard or Maestro has performed a currency conversion function.
  • This fee will be based on either a government-mandated exchange rate, or a wholesale exchange rate selected by Cirrus, MasterCard, or Maestro and the rate used will be the applicable rate on the day the transaction was processed, which may differ from the date of the transaction or when it posted to the cardholder’s account.
  • A .90% (90 basis points) Cross Border Fee will be assessed on all International transactions whether or not a currency conversion function was performed by Cirrus, MasterCard, or Maestro.