Beach Community Bank NW Florida

Personal Banking

Sand Dollar Account (Regular Checking)
Beach Club Account (Interest Checking)
Emerald Beach Account (Seniors 50+)
Starfish Account (MMDA)
Sandcastle Account (Regular Savings)
Sand Pebbles Account (Youth Savings)
Sandy Santa (Christmas Club Account)
Certificates of Deposit
IRAs


Sand Dollar Checking Account
Perfect if you are on the go, so you can enjoy the flexibility of unlimited transactions and no monthly service charge.

  • No monthly service charge
  • Free Mastercard™ debit card with unlimited transactions
  • Unlimited check writing
  • Monthly e-statements (required)
  • $100 minimum deposit to open

The Beach Club Account
For the consumer who wants the best of both worlds: checking account accessibility with the earnings power of a savings account.

  • Unlimited check writing
  • Free checks (Bank stock single checks)
  • Free Mastercard™ debit card with unlimited transactions
  • Free cashier’s checks and money orders
  • Discount on small safe deposit box
  • Imaged monthly statements
  • $100 minimum deposit to open
  • $9 monthly service charge if balance falls below $500
  • Interest compounded daily and paid monthly

The Emerald Beach Account
Exclusively designed for those 50 years of age and older.

  • Unlimited check writing
  • Free checks (Bank stock single checks)
  • Free Mastercard™ debit card with unlimited transactions
  • Free cashier’s checks and money orders
  • Discount on small safe deposit box
  • Imaged monthly statements
  • $100 minimum deposit to open
  • $6 monthly service charge if balance falls below $100
  • Interest compounded daily and paid monthly

Starfish Account (MMDA)
Do you prefer keeping a healthy balance in your account? Check out our current interest rates, especially for the higher tiers.

  • Tiered interest rate - higher interest rate with higher balance
  • Interest compounded daily and paid monthly
  • $1,000 minimum deposit to open
  • $10 monthly service charge if balance falls below $1,000
  • 6 debit transactions allowed per month; each additional debit or check/draft is $5 regardless of balance.
If an account continuously exceeds the debit transactions allowed, we are required by law to reclassify or close the account.

Sandcastle Savings Account
Who said savings accounts had to be boring? With your money doing the work, spend more time enjoying life.

  • Tiered interest rate - higher interest rate with higher balance
  • $100.00 minimum deposit required to open
  • $5 service charge per quarter if average collected balance falls below $1,000
  • 3 debit transactions allowed per month; each additional debit is $2 regardless of balance
  • Quarterly statements
  • Interest compounded daily and paid monthly
Federal law limits transfers to another account or third parties by preauthorized, automatic, or telephone transfers to 6 per month.

Sand Pebbles Savings Account
Teach your young ones the value of a dollar by starting them off with our interest bearing savings account.

  • $1 minimum deposit to open
  • No minimum balance requirement or monthly service charge
  • Account must be joint with parent or guardian
  • 2 debit transactions allowed per month; each additional debit is $2 regardless of balance
  • Quarterly statements
  • Interest compounded daily and paid monthly
  • Account converts to Sandcastle Account at age 18

Sandy Santa Christmas Club Account
When Santa heads down south to get sand between his toes, don’t be left out in the cold. This Christmas Club account will help keep you free of the credit card blues.

  • $1 minimum deposit to open
  • Account paid out annually by check
  • One debit allowed annually; $5.00 for each additional debit
  • Interest compounded daily, credited annually
  • No monthly service charge

Certificates of Deposit
Perfect for the saver who wants to lock in our great rates from as short as 6 months to 5 years or more. Note that there are penalties associated in the case of early withdrawal. Check out our
current interest rates.


Individual Retirement Accounts - IRA and Roth IRA
Whether you choose a traditional or a Roth, IRAs offer excellent security and potential tax savings for your retirement.


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