Checking and Savings Accounts

We offer a full array of personal checking and savings accounts designed to fit your specific banking needs. Our accounts offer attractive interest rates, so please call or click for a switch kit today.

Money Market Accounts

Money Market Deposit Accounts afford you the opportunity to earn a higher rate of interest than our Statement Savings Account. Transfers are limited to 6 per statement cycle. The interest rate earned is determined by the balances maintained.

Certificates of Time Deposit

Southern Arizona Community Bank has a variety of rates and terms available to you. Select a term tailored to your investment needs from 1 month to 36 months, click here for more details.

ATM Access

We understand that having convenient access to your accounts around the clock is important to you. With over 600 no charge ATM's located in the state of Arizona you can access your money anytime and anywhere.

Lending Services*

Southern Arizona Community Bank offers convenient, affordable personal loans, home equity loans and lines of credit to fit just about any situation and budget. Our broad selection of products and services can help you achieve your financial goals.

Wire Transfers & Other Services

We offer a full line of deposit related services including domestic and foreign wire transfers, direct deposit payroll, telephone transfers, automated clearing house (ACH) transactions, night depository, cashier checks, as well as travelers checks.

Deposit Accounts

Regular Checking Account

• This is a non-interest bearing account.
• You must deposit $1,000 to open this account.
• A minimum balance fee of $10 will be imposed every statement cycle if the balance in the account falls below $1,000 any day of the statement cycle.
• No transaction limitations apply to this account, provided funds are available to complete all transactions.

Interest Checking Account

• You must deposit $1,000 to open this account.
• A minimum balance fee of $12 will be imposed every statement cycle if the balance in the account falls below $2,000 any day of the statement cycle.
• No transaction limitations apply to this account, provided funds are available to complete all transactions.

Relationship Checking Account

• No minimum balance requirements apply to this account.
• This account entitles principals and employees of our business relationships, a service charge free checking account for the lifetime of the account. All other bank and check printing fees apply.*
• No transaction limitations apply to this account, provided funds are available to complete all transactions.

Money Market Savings

• You must deposit $1,000 to open this account.
• A minimum balance fee of $12 will be imposed every statement cycle if the balance in the account falls below $2,500 any day of the statement cycle.
• Transaction limitations do apply to this type of account.*

Statement Savings Account

• You must deposit $500 to open this account.
• A minimum balance fee of $10 will be imposed every quarter if the balance in the account falls below $1,000 any day of the quarterly statement cycle.
• Transaction limitations do apply to this type of account.*

Certificates of Deposit

• You must deposit $1,000 to open this account.
• Various terms and rates are available.
• Transaction limitations do apply to this type of account.*

Personal Loans
We offer loans for:

• Home Equity Loans and Lines of Credit
• Installment Loans
• Overdraft Protection Lines
• Secured and Unsecured Credit Lines
• Construction Loans
• Residential Mortgage Loans

Other Banking Services

Visa Check Card
Subject to approval, no fee Point of Sale Card

Overdraft Protection
Subject to approval, no annual fee or advance charges

Visa Credit Card
Subject to approval

*For complete disclosure information on all types of accounts and services available, please refer to the Account Disclosure Statement provided at the time of account opening.