Empowering Our Community with Personalized Banking Solutions

Local Bank. Local Commitment. Local Decisions.

Personal Banking

We offer the same services and products of a big-box bank but better, with fee-free products like free personal checking… and cookies!

Click here to learn more about personal banking plans.

Business Banking

Banking is a necessity for businesses and some banks make it expensive when it shouldn’t be. We don’t charge fees unless we absolutely have to.

Click here to learn more about business banking plans.

Lending

Local Lending. Local Decisions. We’re not just your lender but your partner. We focus on making the right loan for you. Apply online today.

Click here to learn about residential lending.

Click here to learn about commercial lending.

Community

As Southwest Florida’s largest community bank, we maintain an unwavering commitment to the community we all love.

Click here to explore our community involvement.

Branch Locations

We’re not just an island bank. We have seven, full service Southwest Florida locations to serve your banking needs.

Click here to find a bank near you.

Online Banking

Online & Mobile Banking Access

Online and Mobile Banking are fully restored with upgraded functionality.
To access your accounts, login to Online Banking to establish a new password and download our new mobile app.

Download the New Apps

Download on the app store
download on Google play

Bill Pay, Zelle, ACH, Positive Pay and Wires
All digital payment services including Bill Pay, Zelle, ACH origination, Positive Pay and wire transfers are available in the new system.

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In-Branch Service is Fully Restored

All branch services are now available during normal business hours.

We’re Here to Help

Live phone support is available during regular hours. Our team is ready to assist with:

  • Logging in for the first time
  • Downloading and setting up the new app
  • Questions about Bill Pay, transfers or alerts
  • Any issues following the system transition
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Learn More & View Post-Upgrade Details

Visit sancapbank.com/new-banking for instructions, FAQs, and detailed information about new system features.

Personal Banking

Our free Personal Checking gives you all the benefits without the fees.

  • No monthly maintenance fee
  • Free pack of Welcome Checks
  • Free Online and Mobile Banking
  • Free Bill Pay
  • Free Zelle transactions
More Personal Banking Plans

Business Banking

Business Banking banner

Our business banking products and services offer you solutions to meet your operational needs.

  • Free debits
  • Free Online and Mobile Banking
  • Free Bill Pay
  • Free Positive Pay to prevent check fraud
View All Plans and Benefits

Commercial Lending

Commercial Lending banner with Kyle DeCicco

Looking to start or expand a business? Considering making a real estate purchase? Sanibel Captiva Community Bank can help you reach those goals.

  • Customer-focused and relationship-driven
  • Deal directly with the decision-maker
  • In-house credit underwriting
  • Non-conventional lending options
See Our Commercial Lending Options

Residential Lending

Residential Lending banner with David Wright

With Sanibel Captiva Community Bank as your lender, you get a local partner guiding you through the mortgage process.

    • Funded over $2.4 billion in loans since 2003
    • 7 residential loan officers located throughout Lee
    • More flexibility than other larger banks
    • Quick, local decision-making
See Our Residential Lending Options
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About Us

Mission

As a nonconventional bank, our foundation is built on people and relationships. We empower and support our neighbors, team and community through local decision-making.

Vision

We are devoted to staying locally owned and operated with an unwavering commitment to our community and serving Southwest Florida with thoughtful, smart banking solutions.

Values

We are…

Neighborly, Forward-thinking, Family, Engaged and motivated, Dedicated, Proud, Flexible, Part of the community

Learn More About Us!
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What Our Customers Are Saying

“To their great credit, they have made social conscience an important part of their business model.“

Grampy's Charities Logo
Bob Risch, Board Member of Grampy’s Charities

“Sanibel Captiva Community Bank is the only bank I would ever consider banking with.“

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Christopher W. Heidrick, CPCU, ANFI, CFP®
Heidrick & Company Insurance and Risk Management Services, LLC

“... a true community bank that looks at you as a friend.“

Blue Water Construction of SW Florida logo
Kris Bowe, President of Blue Water
Construction of SW Florida, Inc.
View All