Sanibel Captiva Community Bank tailors its banking services to fit the specific needs of our customers. Select one of the products below for information and current yields. To get started with one of these products, simply stop in to see us and while you are there, feel free to enjoy our freshly baked cookies. If you have any questions, call us at 239-472-6100 or e-mail us at:
customerservice@sancapbank.com.

Personal Banking Services

Aerial view of Sanibel Island in Southern Florida.

The Free Personal Checking account is a perfect way to have check-writing advantages without the fees. You can obtain cash using your ATM card or you may also qualify for a Visa Debit Card.

  • No monthly maintenance fee.
  • Minimum opening deposit: $50.
  • Unlimited check writing.
  • Free pack of welcome checks.
  • Free online banking and bill pay.
  • Free mobile banking.

Online Banking gives you point-and-click control over your entire banking relationship with Sanibel Captiva Community Bank. Whether you are at home or work, or on the road, you’ll have 24-hour access to all of your Sanibel Captiva Community Bank accounts. All you need is a computer with internet access and a web browser. You will have the ability to:

  • Review account balances and check activity.
  • Transfer funds between accounts.
  • Pay bills.
  • Download information to Quickbooks or Microsoft Money.
  • Plus much more.

Hometown Checking provides a number of wonderful benefits! You can obtain cash using your Visa Debit Card.

  • Monthly maintenance fee: $10.00.
  • Average daily balance to avoid maintenance fee: $1,500.
  • Minimum opening deposit: $100.
  • Unlimited check writing.
  • Free Hometown checks.
  • Free cashier’s checks.
  • Free notary service.
  • 50% discount on safe deposit boxes.
  • Free online banking and bill pay.

Hometown Checking Rates and Yields
Account Interest Rate APY*
Up to $2,499.99 .05% .05%
$2,500.00 and Over .05% .05%

Sanibel Captiva Community Bank provides our customers 50 or older a free interest-bearing checking account, called Platinum Checking Account. Like Hometown Checking, Platinum Checking provides for a number of cost-saving benefits!

  • No monthly maintenance fee.
  • Minimum opening deposit: $100.
  • Direct deposit required.
  • Interest paid on all collected balances.
  • Unlimited check writing.
  • Free Platinum checks.
  • Free cashier’s checks.
  • Free notary service.
  • 50% discount on safe deposit boxes.
  • Free online banking and bill pay.

Platinum Checking Rates and Yields
Account Interest Rate APY*
On all collected balances .05% .05%

Benefit from a competitive interest rate on a Personal or Business Savings Account! Save for a new car, a rainy day or use this account as overdraft protection. We also offer ATM withdrawals, online fund transfers and an online transaction register. Our low minimum balance requirement allows you to waive the nominal monthly maintenance fee.

  • Monthly maintenance fee: $3.00.
  • Average daily balance to avoid maintenance fee: $300.
  • Minimum opening deposit: $100.
  • Excess withdrawal fee: $5 per withdrawal over 6 preauthorized.
  • Interest paid on all collected balances.
  • Transfers from a savings account to another account or to third parties by preauthorized, automatic or telephone transfers are limited to six per month.
  • Free notary service.

Savings Rates and Yields
Account Interest Rate APY*
On all collected balances .10% .10%

TOP Yielding Money Market Account!

The interest paid on our Personal and Business Money Market Account is set each week by a competitive interest rate determined at the Bank’s discretion. Accounts with daily balances of $25,000 or more will earn a higher rate of interest than those accounts with a daily balance of less than $25,000. As you can see from the yields posted below, this is one very good deal!

  • Monthly maintenance fee: $10.00.
  • Average daily balance to avoid maintenance fee: $2,500.
  • Minimum opening deposit: $500.
  • Excess withdrawal fee: $5 per withdrawal over 6 preauthorized.
  • Interest paid on all collected balances.
  • Transfers from a money market account to another account or to third parties by preauthorized, automatic or telephone transfers, checks, drafts, and debit card or other similar transactions are limited to six per month.
  • Free cashier checks.

Money Market Rates and Yields
Account Interest Rate APY*
Up to $24,999.99 .05% .05%
$25,000.00 and Over .30% .30%

With a Personal or Business Certificate of Deposit, you can rest assured your money is earning interest and is safe! We have different terms available to match your goals and needs.

  • Minimum balance/opening deposit: $1000.
  • Free notary service.
  • Penalty for early withdrawal equals the amount of 60 days interest for CD’s of one year or less in duration and 90 days interest for CD’s of more than one year.

Certificates of Deposit Rates and Yields
Account Interest Rate APY*
12 months .40% .40%
18 months .40% .40%
24 months .60% .60%
36 months .75% .75%
60 months .90% .90%

Start now to save for your retirement. Sanibel Captiva Community Bank offers IRAs using Certificates of Deposit. We pay very competitive yields on our IRAs. Call 239-472-6100 and ask for a Customer Service Representative to help you build for your future.

  • Minimum balance/opening deposit: $500.
  • Free notary service.
  • Penalty for early withdrawal equals the amount of 60 days interest for CD’s of one year or less in duration and 90 days interest for CD’s of more than one year.

IRA Rates and Yields
Account Interest Rate APY*
12 months .40% .40%
18 months .40% .40%
24 months .60% .60%
36 months .75% .75%
60 months .90% .90%

Business Banking Services

A man and woman enjoying a seaside stroll with their dogNo matter the size of your business, you need a bank partner who is committed to your success. Sanibel Captiva Community Bank offers the full range of banking services complemented by local management dedicated to individualized service. We give you the tools to make day-to-day banking easy, and your phone calls are answered by professionals who are eager to help.

Special! All Monthly Fees Waived until June 30, 2019. Special!

  • Monthly maintenance fee: $12.00
  • Minimum opening deposit: $100
  • 150 free debits, $.25 for each additional debit
  • $.10 per item deposited
  • Earnings credit applied to offset fee charges
  • Free  notary service
  • Free  Online Banking and Bill Pay
  • Free Business Mobile Banking app
  • ACH origination, both debit and credit
  • Positive Pay to prevent check fraud
  • EZ Remote Deposit Capture to make deposits from your desk – no more bank trips
  • Wire Manager to input wire transfers directly into our secure systems from your personal computer

For our customers who are sole proprietorships, not-for-profit organizations or government entities, we offer a Business Checking Account that pays interest. And, with a $1,000 average daily balance, the monthly maintenance fee of only $7.00 is waived.

Special! All Monthly Fees Waived until June 30, 2019.

  • Monthly maintenance fee: $7.00.
  • Average daily balance to avoid maintenance fee: $1,000.
  • Minimum opening deposit: $100.
  • Interest paid on all collected balances.
  • Free  notary service.
  • Free Online Banking and Bill Pay.

Business Checking with Interest Rates and Yields
Account Interest Rate APY*
On all collected balances .05% .05%

Merchant Credit Card Processing Services

At Sanibel Captiva Community Bank, we understand that shopping around for a reliable merchant services provider can be a time-consuming hassle.  Therefore, we have partnered up with Priority Payments South Florida to offer a flexible and reliable merchant services program that allows most types of businesses to accept nearly every form of electronic payment. They provide payment processing for small businesses, retailers, restaurants, hospitality providers, professional and medical industries, and internet businesses.  Their merchant services program will help you increase your sales, reduce your losses, expand your customer base, increase your cash flow and provide a wide range of value-added and reduced cost products and services.  They provide settlement services for all major credit and debit cards:  Visa®, MasterCard®, Discover©, and American Express® Opt Blue.

Program Overview

You will receive quality customer service and an unbeatable equipment warranty.  Priority Payments South Florida provides the best available technology, security, and communication in the merchant services industry nationwide to keep you EMV and NCF ready, and Payment Card Industry (PCI) Compliant, while retaining the traditional personal service that most credit card processors have forgone.  As part of their service, you will receive installation and training instructions to deploy the full line of transaction payment options currently offered. You will also receive customer support 24/7, 365 days a year.

Solutions to simplifying payment processing

  • Mobile Payments – instantly convert your cell phone, smart phone or tablet into a secure credit card terminal
  • Point of Sale transactions
  • Internet e-Commerce enabled websites
  • Virtual Terminal for credit cards and checks
  • Voice authorization services
  • Check Conversion and Check Guarantee
  • Gift Cards and Loyalty Cards with your business logo
  • Visa Payroll Card
  • Petroleum Program
  • Utility and Municipal electronic payments

Say goodbye to many of the fees commonly charged by other processors!

  • No PCI Compliance Fees
  • No Annual or “Club” Fees
  • No Monthly Minimums
  • FREE comprehensive equipment warranty*
  • FREE equipment reprogramming and training
  • FREE online reporting

Benefits of our credit card processing program:

  • Easy application process
  • Quick merchant account approvals
  • Increase cash flow – your sales are directly deposited into your account within 2 business days
  • Reliable 24/7 customer service
  • Secure and FREE 24/7 online transaction reporting – a merchant dedicated website for accessing full account information 24 hours a day, including statements, deposits, retrievals and charge backs.

* Equipment Warranty– Priority Payments South Florida supports EMV and NFC Point-of-Sale stand-alone terminals that your business uses to process transactions.  Their service includes an equipment warranty at no additional charge for any equipment that you purchase, rent, or lease.  It covers equipment shipping, troubleshooting, and replacement of your existing equipment.  If your terminal breaks, they will exchange it at no cost to you for as long as you continue to process with Priority Payments South Florida (upgrade fees are additional).

For complete details and to set up your Merchant Processing Account, see a member of our customer service team today or call Priority Payments South Florida Merchant Services at (877) 544-7626! 

Other Banking Services

Roseate Spoonbill with water dripping from it's billOur Automated Teller Machine (ATM) services allow you to access your checking or savings accounts quickly, 24 hours a day, 7 days a week. Use your Sanibel Captiva Community Bank Visa Debit Card to verify account balances, make withdrawals and transfer funds between accounts.

 

allpoint-logo
Allpoint ATM Locations
Surcharge free ATM
Presto! ATM locations

You can select your own PIN by calling 1-800-567-3451

Allpoint and Presto! are surcharge free!

Although we have 5 locations in Lee County, Bank by Mail is available for those times when you can’t make it to the Bank. Our mailing address is P.O. Box 187, Sanibel, Florida 33957. We will be glad to supply envelopes and Personalized Two-Way Bank mailers and mail receipts back to you.

Sanibel Captiva Community Bank offers Cashier’s Checks for those times when funds need to be guaranteed. Cashier’s Checks can be made payable to anyone for any amount. This useful service is provided at a nominal cost of $5.00 per Cashier’s Check for customers. A $10.00 fee will be charged per Cashier’s Check for non-customers in exchange only for another check.

You chose to bank with us for a reason… we’re giving you one more – A Visa Platinum credit card. Sanibel Captiva Community Bank has a credit card that is right for you and rewards you with one point for every net dollar you spend! These cards are accepted worldwide at more than 24 million locations.

  • cRewards
  • State of the art security & fraud monitoring
  • Travel Accident Insurance
  • Auto Rental Collision Damage Waiver
  • Identify Theft Assistance

The Customer Contact Center is available 24/7 and dedicated to providing you with personal service, the kind you receive when you come into our branch. Please call customer service at 1 (800) 883-0131 if you have any questions or if your credit card has been lost or stolen.

Click here to apply now

(Note: Some browser pop-up blockers will prevent the new window from opening. Please disable your pop-up blocker before clicking “apply now.”)

We’ll quickly process your application so you can start using your card right away.

Travel Accident Insurance
Coverage applies when the entire cost of the fare (less redeemable certificates, vouchers or coupons) has been charged to the card. Your account must be in good standing. Restrictions to coverage may apply.

Auto Rental Collision Damage Waiver
To activate coverage, complete the entire rental transaction with your card and decline the collision damage waiver coverage if offered by the rental company. Restrictions apply if you have personal automobile insurance covering this theft or damage.

Standard Issuer Statement
This card is issued by TCM Bank, N.A. Subject to credit approval.

If you are out of the country, please call 1 (813) 868-2891

Most checkbooks can only do one thing – checking. Our VISA Debit Card does this and much more. Our VISA Debit Card gives you a faster, more economical, more convenient way to buy the products and services you need. That’s because it allows you to withdraw funds from your checking account without ever having to write out a check. You can use your VISA Debit Card at more than 24 million locations worldwide to purchase groceries, gas, or anything else. It’s the checking-withdrawing-depositing-and-transferring-funds card all in one.

Sanibel Captiva Community Bank is proud to be a member of the Presto! and Allpoint ATM Networks.

  • Our VISA Debit Cards can be used without charge at any Allpoint ATMs.

Allpoint has over 55,000 ATMs worldwide located in any CVS, Walgreens, Speedway, Target, Winn Dixie, Costco and other stores.

See the Allpoint ATM locator here: http://www.allpointnetwork.com/locator.aspx

You can also download the Allpoint App and find the nearest Allpoint location near you.

  • Our VISA Debit Cards can be used without charge at any Publix Presto! ATMs. Sanibel Captiva Community Bank is also a member of the STAR, CIRRUS and PLUS ATM networks. If you can’t make it to our Branch ATM, then you can use your VISA Debit Card at over 350,000 ATM machines worldwide. You can also use your VISA Debit Card at any store with a point-of-sale (“POS”) STAR terminal – a very convenient way to pay for gas, groceries and other goods and services.

Need to change your PIN? Call 1-800-567-3451.

If your Visa Debit Card is lost or stolen, please call us as (239) 472-6100, or after-hours at 1 (800) 554-8969.


AppStore

Download Allpoint App from iTunes App store

Download from Google Play store

 

Instead of rushing around on pay day and trying to get your check deposited, have your paycheck or Social Security check directly deposited to your account. See your company’s Human Resource department or Social Security Administration for the proper form.

You can also have your bills paid electronically. Just imagine – no longer will you have to write checks to pay bills such as water, phone or electricity. These companies can electronically have the bills paid on their due date.

For your convenience, Sanibel Captiva Community Bank has a night depository located at each branch. If you cannot make it by the Bank during business hours (9 a.m. to 4 p.m. on Mondays through Thursdays, 9 a.m. to 5 p.m. on Fridays), just place your deposit in our night depository, and we will mail your receipt to you. You can have peace of mind knowing that your deposit will be secure overnight and deposited to your account the next business day. (Deposits made after 8 a.m. or on the weekends are credited to your account on the next business day.)

Protect your valuables by placing them in a Sanibel Captiva Community Bank safe deposit box.  We offer a variety of Safe Deposit Boxes sizes to meet your needs.

  • 3″ x 5″
  • 5″ x 5″
  • 3″ x 10″
  • 5″ x 10″
  • 10″ x 10″

We are pleased to offer a 50% discount on the above annual rental fee for our customers who have a Hometown Checking Account or a Platinum Checking Account (Senior Account).

When you need to get funds someplace fast, wire transfers are the easiest and most secure way. Ideal for same-day transfer of funds between banks. Sanibel Captiva Community Bank can wire funds for you in any amount to any bank around the world. Please see one of our Customer Service Representatives for immediate assistance. For our business online customers, we offer our Wire Manager program which gives you the ability to input wire transfers directly into our secure system from your personal computer.

The APY is accurate as of:
June 17, 2016

* Annual Percentage Yield
The Rate may change after the account is opened.
Fees could reduce the earnings on the account.