We offer many ways to save at Sacramento Bank of Commerce, whether you're just starting to save or building on what you have!


Personal Savings:

The Basics:
  • $100.00 minimum to open
  • $250 average monthly balance¹ to avoid $6.00 monthly service charge
  • Limit 6 preauthorized transactions each monthly statement cycle, $15.00 fee will be assessed for each additional preauthorized transaction³
The Features:
  • Tiered interest rates
  • Unlimited Bank of Commerce Automated Teller Machine (ATM) and in branch withdrawals
  • Link to your BOC checking account as overdraft protection
  • ATM card

1. The average monthly balance is calculated by adding the principal in the account for each day of the statement period and dividing that sum by the number of days in the statement period.

Refer to the Account Terms and Conditions for additional terms regarding your account and the Schedule of Fees and Services for additional fees that may be assessed. See account disclosure for full details. Fees may reduce earnings on the account. Refer to the current rate sheet for interest information.



Youth Savings:

The Basics:
  • For youth under 18 years of age 
  • $25.00 minimum balance to open
  • No monthly service charge
  • Limit 6 preauthorized transactions each monthly statement cycle, $15.00 fee will be assessed for each additional preauthorized transaction³
The Features:
  • FDIC insured in accordance with FDIC regulations

Refer to the Account Terms and Conditions for additional terms regarding your account and the Schedule of Fees and Services for additional fees that may be assessed. See account disclosure for full details. Fees may reduce earnings on the account. Refer to the current rate sheet for interest information.




Holiday Savings:

The Basics:
  • $10.00 minimum to open
  • No monthly service charge
  • Limit 1 withdrawal each calendar quarter, $2.00 charge for additional withdrawals³
The Features:
  • Funds are disbursed on November 1st and annually thereafter
  • Set up automatic transfers from your BOC checking or savings account
  • Automatically deduct a specified amount from your payroll check each payday

In the event the account is closed prior to November disbursement, account may be subject to a $7.00 early closure fee. Refer to the Account Terms and Conditions for additional terms regarding your account and the Schedule of Fees and Services for additional fees that may be assessed. See account disclosure for full details. Fees may reduce earnings on the account. Refer to the current rate sheet for interest information.




Personal Money Market:

The Basics:
  • $100.00 minimum to open
  • $2,500 average monthly balance¹ OR $10,000 in combined monthly balances² to avoid $15.00 monthly service charge
  • Earn more interest on higher balances
  • Limit 6 preauthorized transactions each monthly statement cycle, $15.00 fee will be assessed for each additional preauthorized transaction³
  • Check images accessed through online banking will have no charge; there will be a $2.00 charge if you request check images with your monthly paper statement
The Features:
  • Tiered interest rates
  • Unlimited Bank of Commerce in branch withdrawals
  • Link to your BOC checking account as overdraft protection

1. The average monthly balance is calculated by adding the principal in the account for each day of the statement period and dividing that sum by the number of days in the statement period.

2. The combined balance will include the total average monthly balance of your Personal Money Market account and the average monthly balance of any additional checking or savings accounts that are owned by you. Accounts must have the same vesting to be considered for combined balance purposes.

Refer to the Account Terms and Conditions for additional terms regarding your account and the Schedule of Fees and Services for additional fees that may be assessed. See account disclosure for full details. Fees may reduce earnings on the account. Refer to the current rate sheet for interest information.




Certificates of Deposit (CDs):

The Basics:
  • $500.00 minimum to open
  • 10 day grace period
  • Early withdrawal penalty will apply if there is a partial withdrawal or the CD is closed before the maturity date
  • FDIC insured in accordance with FDIC regulations
The Features:
  • Competitive interest rates
  • Choose from fixed or variable rate options
  • Flexible terms from 91 days to 5 years
  • Receive interest payments monthly, quarterly, semi-annually, or at maturity

Refer to the Account Terms and Conditions for additional terms regarding your account and the Schedule of Fees and Services for additional fees that may be assessed. See account disclosure for full details. Fees may reduce earnings on the account. Refer to the current rate sheet for interest information.


3. Federal regulations limit certain types of withdrawals and transfer transactions you can make from a savings (including Holiday Savings) or money market account. Transfers from savings or money market accounts to another account or to third parties by overdraft protection, telephone, point of sale (POS) debit card transactions, bill payments, computer transfer or by a check, draft or similar order to third parties are limited to six (6) per calendar month or statement cycle. We will use the date a transaction is completed by us (as opposed to the day you initiate it) to apply the frequency limitation. If you exceed the transfer limits set by federal regulations, we will notify you in writing. If you continue to exceed transaction limits we are required by law to convert your account to one that is not subject to limits on transactions. If we plan to convert your account, we will notify you at least 30 days in advance. Excess withdrawals will be subject to $15.00 service fee (excluding Holiday Savings), assessed during the statement cycle period.