Sanibel Captiva Community Bank: Your Trusted Local Financial Partner

Nestled amidst the pristine shores of Sanibel and Captiva Islands, Sanibel Captiva Community Bank (SCCB) stands out as a beacon of financial stability and exceptional customer service. With over 20 years of serving the community, SCCB has consistently exceeded expectations, earning the unwavering trust and loyalty of its customers.

Our Mission: Community Empowerment

At SCCB, we believe that a strong financial institution is the cornerstone of a thriving community. Our mission is to empower our customers to achieve their financial goals by providing personalized solutions, competitive products, and unwavering support. We strive to be more than just a bank; we are a trusted partner dedicated to the well-being and prosperity of our community.

Comprehensive Financial Solutions for Every Need

As a full-service financial institution, SCCB offers a comprehensive range of products and services to meet the diverse needs of our customers:

• Personal Banking: Checking and savings accounts, debit cards, online banking, and mobile banking
• Business Banking: Business checking and savings accounts, loans, lines of credit, and treasury management services
• Mortgage Lending: Residential and commercial mortgages, refinancing options, and home equity loans
• Wealth Management: Investment advisory services, retirement planning, and estate planning

Local Expertise, Personalized Service

Our team of experienced bankers resides within the community, ensuring an intimate understanding of our customers' unique financial needs. We take pride in providing individualized service, tailored to each customer's aspirations and circumstances.

Financial Education and Community Involvement

SCCB is committed to empowering our customers with financial literacy. We offer educational workshops, seminars, and online resources to enhance our customers' financial knowledge and decision-making skills. Additionally, we actively engage in community initiatives, supporting local businesses, non-profit organizations, and environmental stewardship.

Why Choose Sanibel Captiva Community Bank?

1. Local Ownership and Decision-Making: As a locally-owned and operated financial institution, SCCB's decisions are made by people who live and work in our community, ensuring that our customers' needs are always at the forefront.

2. Exceptional Customer Service: Our dedicated bankers are committed to exceeding expectations, providing personalized attention and thoughtful solutions to our customers' financial needs.

3. Competitive Rates and Fees: SCCB offers competitive interest rates on deposits and loans, while minimizing fees, allowing our customers to maximize their financial resources.

4. Strong Financial Stability: SCCB has consistently maintained a strong financial position, meeting regulatory capital requirements and earning high ratings from independent credit rating agencies.

Common Mistakes to Avoid

When it comes to managing your finances, it is essential to avoid common pitfalls that can hinder your progress. Here are a few tips:

• Overspending: Keep track of your expenses and avoid impulsive purchases.
• Insufficient Emergency Savings: Aim to build an emergency fund to cover unexpected expenses.
• Unsecured Debt: Minimize unsecured debt, such as credit card balances, and prioritize paying down high-interest debts.
• Neglecting Retirement Planning: Start saving for retirement as early as possible to maximize compound interest.
• Ignoring Insurance: Protect yourself and your assets with adequate insurance coverage.

How to Bank with Sanibel Captiva Community Bank

Getting started with SCCB is easy and convenient:

1. Visit a Branch: Visit one of our convenient branch locations to open an account or speak to a banker.

2. Open an Account Online: Open an account securely online through our website at www.sancapbank.com.

3. Contact Us: Call us at (239) 472-6500 or email us at [email protected] for assistance.

Compare Pros and Cons

Pros:

• Locally owned and operated
• Exceptional customer service
• Strong financial stability
• Competitive rates and fees
• Community involvement and financial education

Cons:

• May have fewer branches than larger banks
• Some products and services may not be available online

Frequently Asked Questions (FAQs)

1. What are the branch hours?

Monday - Friday: 9:00 AM - 5:00 PM
Saturday: 9:00 AM - 12:00 PM

2. What is the minimum balance required for a checking account?

$100

3. Are there any fees for using my debit card?

There is a small fee for using your debit card at non-SCCB ATMs.

4. Can I open an account online?

Yes, you can open all types of accounts securely online through our website.

5. How do I get my account statements?

You can receive electronic statements or paper statements mailed to your address.

6. What is the Bank Secrecy Act (BSA)?

The BSA is a federal law that requires banks to collect and verify certain information about their customers to prevent money laundering and other financial crimes.

Conclusion

Choosing Sanibel Captiva Community Bank as your financial partner is a wise decision that will benefit you for years to come. With our unwavering commitment to local ownership, exceptional customer service, financial stability, and community empowerment, we are confident that we can help you achieve your financial goals. Join the SCCB family today and experience the difference of banking with a trusted partner who truly cares about your well-being.

Tables

Table 1: Financial Statements Summary

Table 2: Branch Locations

Table 3: Loan Rates