PERSONAL BANKING ACCOUNTS

    
At Point Loma Community Bank, we offer you true relationship banking, and the resources to find the right solutions for your financial needs. You will find what you need, when you need it -- truly a unique community bank.
   
DEPOSIT ACCOUNTS

 

CONSUMER LOANS
  • Home Equity Lines of
    Credit *
  • Installment Loans *
  • Overdraft Protection *
  • Residential Mortgage Loans  *
  • Construction Loans  *

 

OTHER BANKING SERVICES
  • ATM/CheckCards *
  • Night Depository
  • Phone Banking
  • Online Banking
  • Bill Payment via Internet
  • Wires-International and Domestic
  • Credit Cards *
  • Safe Deposit Boxes
  • Overdraft Protection *
  • Check Imaging
  • Notary Service
  • Cashiers/Travelers Checks
  • Direct Deposit
DEPOSIT ACCOUNTS 

Personal Checking

Minimum Balance Requirements
An opening deposit of $100 is required. A daily collected balance of $500 is required to avoid a service charge. Free with Direct Deposit.

  • Unlimited check writing
  • Unlimited ATM Withdrawal 

Personal Interest Checking 

Minimum Balance Requirements
An opening deposit of $1500 is required. A daily collected balance of $1500 is required to avoid a service charge.

  • Interest Bearing Account
  • Unlimited Check writing 
  • Unlimited ATM withdrawal 

Personal Money Market 

Minimum Balance Requirements
A deposit of $2500 is required to open this account. A daily collected balance of $2500 is required to avoid a service charge.

Transaction Limitations
You may make up to six (6) pre-authorized, automatic or telephone transfers from your account each statement cycle without incurring a service charge.  Of the six, no more than three (3) may be point of sale, draft, or by check.  There is no limitation on in-person withdrawals.  

Compounding and Crediting
Interest will accrue daily, compound and credit monthly. Closing the account prior to interest payment will result in forfeiture of accrued interest.

  • Interest Bearing Account
  • Monthly Statement  
  • ATM Withdrawal capabilities 

Personal Savings 

Minimum Balance Requirements
A deposit of $100 is required to open this account. A daily collected balance of $300 is required to avoid a service charge. Free to Minors.

Compounding and Crediting
Interest will accrue daily, compound and credit quarterly. Closing the account prior to interest payment will result in forfeiture of accrued interest.

  • Interest Bearing Account
  • Quarterly Statement  
  • ATM Withdrawal capabilities 

Transaction Limitations
You may make up to six (6) pre-authorized, automatic or telephone transfers from your account each statement cycle without incurring a service charge.  Of the six, no more than three (3) may be point of sale, draft, or by check.  There is no limitation on in-person withdrawals.  


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CONSUMER LOANS       
                                       

Home Equity Lines of Credit *
For single family residential properties.

Installment Loans *

Overdraft Protection Lines *
This is a convenient way to make sure your account is not overdrawn. It provides overdraft protection for those occasional times when you may forget to enter a check in your register or make a mathematical error.

Construction Loans * for single-family residential properties.

Residential Mortgage Loans * for owner-occupied residential properties.

* Credit Approval required


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Product features and service charges are subject to change.  Some banks may charge a surcharge for use of their ATM.

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