Checking
You’re more than a number at The Bank of San Jacinto County. Every checking account comes with a trusted relationship and the personalized service of a true community bank—just one of the many ways you’ll experience the difference with us.
Compare Our Checking Account Options
Explore our checking account options to find the one that best suits your needs.
Rates Effective February 01, 2026
Non-Interest Checking Accounts
| Account | Economy Checking | Regular Checking | Silver Checking | The Bank Club Account |
|---|---|---|---|---|
| Description | Low-cost checking. No check images in the monthly statement. Printed statements with images are available for an additional fee. | Unlimited check writing with easy to read monthly statements that include images of processed checks. | If you are 62 or over, you qualify for our Silver Checking. Take advantage of a lowered fee that can be waved with a low minimum balance. | No charge for personalized “Bank Club” checks, AD&D insurance (optional additional coverage). Various special discounts & services. |
| Minimum to open | $50 | $250 | $250 | $250 |
| No monthly fee with a minimum balance of | N/A | $1000 | $500 | N/A |
| Monthly fee | $9.28 | Below $1,000 – $12.19 | Below $500 – $7.69 | $12.18 (over 62 years of age $6.88) |
Interest-Bearing Checking Accounts
If you expect to carry a higher balance in your account, these accounts will pay you!
| Account | Super Now Account | Elite Checking |
|---|---|---|
| Minimum to open | $2000 | $4000 |
| Monthly fee | $20.67 if balance below $2000 | $20.67 if balance below $4000 |
| Interest Paid | Yes, unless balance falls below $2000. | Yes, unless balance falls below $4000 |
| Free Checks, Cashier’s Checks, Debit Card, 50% Discount on Safe Deposit Box | No | Yes |
| $1000 Accidental Death & Dismemberment Insurance | No | Yes. |
Interest is paid on a variable rate that is subject to change daily. Interest will be computed according to the simple interest method calculation based on a 365 day year and will be calculated on the daily balance. Interest will be paid monthly.
The Bank Club Account - Banking with Added Benefits
A whole lot more than a checking account.
The Bank Club Account offers additional benefits designed to save you money and give you peace of mind. With a monthly fee of $11.49 (or $6.49 if you are 62 and over), you’ll have instant access to these benefits:
BANKING WITH BENEFITS
$10,000 Accidental Death & Dismemberment
Insurance Coverage is provided immediately at no additional charge. If joint account, total coverage is divided evenly. Coverage includes several additional benefits related to accidental deaths or dismemberment such as coma, seatbelt and airbag benefits. You may elect additional coverage.
Not a deposit or guaranteed by the bank and not FDIC insured.
BANKING WITH BENEFITS
Shopping, Travel, & Attractions Discount
A dynamic program that will reward you every time you use it. Save on hundreds of products, and find great deals while you shop in stores, restaurants or online. Login to the website and click on Savings Made Easy to access the features of this service.
BANKING WITH BENEFITS
Identity Theft 911™ Lifestages
If you become a victim of identity theft, call the toll free number, and you will be assigned to a highly qualified fraud specialist who is your single source to help you resolve your problem from start to finish. You save time, avoid frustration and get your problem corrected with the unlimited, one-on-one help of an expert. Call the toll-free number and provide member ID number. Don’t wait, call Identity Theft 911™ for advice before you become a victim and go to the member benefit website for valuable news and resources, helping you learn how to stand up against identity theft.
BANKING WITH BENEFITS
Personal Estate Guide
In the event of a death, would your loved ones know where to find the information needed to settle your estate or any of your immediate family’s estate? With the Personal Estate Guide, you can easily record important documents, banking accounts, retirement and investment accounts, important contracts, funeral plans or more for you and your immediately family. All information is encrypted for added security.
BANKING WITH BENEFITS
Identity IQ Protect
Identity IQ Protect provides you with financial peace of mind, making you an informed and proactive consumer with a team of experts to support you. Know what is in your credit report, watch for changes in your credit score and receive alerts if something changes in your credit file. Plan your best defense with our identity theft restoration products. Our identitry and credit related services harness and integrate the power of the most advanced business information resources to inform, protect, and alert and assist you in the event of identity theft or credit reporting problems. Your membership entitles you to one complimentary membership per household. (Additionally family members may enroll at a 25% discount off the retail price.)
BANKING WITH BENEFITS
Health Benefits
Prescription Drug Discounts
THIS IS NOT INSURANCE
With your Prescription Drug Discounts, you and your family will receive discounts on many of your prescriptions through local participating pharmacies and major chains.
Vision Care Savings
THIS IS NOT INSURANCE
You receive guaranteed lowest prices on eye-wear at thousands of locations nationwide plus a 30 day satisfaction guarantee. Save 10% to 60% on vision care plus, you also have access to a network of ophthalmologists, in selected markets, providing members 10% to 30% discounts on qualified procedures.
BANKING WITH BENEFITS
$10,000 Accidental Death & Dismemberment
Insurance Coverage is provided immediately at no additional charge. If joint account, total coverage is divided evenly. Coverage includes several additional benefits related to accidental deaths or dismemberment such as coma, seatbelt and airbag benefits. You may elect additional coverage.
Not a deposit or guaranteed by the bank and not FDIC insured.
BANKING WITH BENEFITS
Shopping, Travel, & Attractions Discount
BANKING WITH BENEFITS
Identity Theft 911™ Lifestages
If you become a victim of identity theft, call the toll free number, and you will be assigned to a highly qualified fraud specialist who is your single source to help you resolve your problem from start to finish. You save time, avoid frustration and get your problem corrected with the unlimited, one-on-one help of an expert. Call the toll-free number and provide member ID number. Don’t wait, call Identity Theft 911™ for advice before you become a victim and go to the member benefit website for valuable news and resources, helping you learn how to stand up against identity theft.
BANKING WITH BENEFITS
Personal Estate Guide
In the event of a death, would your loved ones know where to find the information needed to settle your estate or any of your immediate family’s estate? With the Personal Estate Guide, you can easily record important documents, banking accounts, retirement and investment accounts, important contracts, funeral plans or more for you and your immediately family. All information is encrypted for added security.
BANKING WITH BENEFITS
Identity IQ Protect
Identity IQ Protect provides you with financial peace of mind, making you an informed and proactive consumer with a team of experts to support you. Know what is in your credit report, watch for changes in your credit score and receive alerts if something changes in your credit file. Plan your best defense with our identity theft restoration products. Our identitry and credit related services harness and integrate the power of the most advanced business information resources to inform, protect, and alert and assist you in the event of identity theft or credit reporting problems. Your membership entitles you to one complimentary membership per household. (Additionally family members may enroll at a 25% discount off the retail price.)
BANKING WITH BENEFITS
Health Benefits
Prescription Drug Discounts
THIS IS NOT INSURANCE
With your Prescription Drug Discounts, you and your family will receive discounts on many of your prescriptions through local participating pharmacies and major chains.
Vision Care Savings
THIS IS NOT INSURANCE
You receive guaranteed lowest prices on eye-wear at thousands of locations nationwide plus a 30 day satisfaction guarantee. Save 10% to 60% on vision care plus, you also have access to a network of ophthalmologists, in selected markets, providing members 10% to 30% discounts on qualified procedures.
Every checking account we offer comes with these benefits:
checking with value
The BSJC App
Access all of our online banking features from your phone. And with integrated biometrics, login with your fingerprint.
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E-Statements
Rather than waiting for paper statements to clutter your mailbox, we can email them.
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Mobile Deposits
Make deposits into your account from your phone.
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Fraud Monitoring
State-of-the-art transaction pattern tracking and risk algorithms to limit the risk of unauthorized activity on your account.
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Visa Debit Card
Carry a card that you can swipe across the globe.
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Notifications
Set up custom notifications, from a daily balance email to a text message for every purchase.
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Wire Transfers
Send money to your family and friends with ease.
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Online Bill Pay
Set your bills up to pay automatically. No checks necessary.