Horse in a barn

Personal Checking

At Sonora Bank, it's banking your way.


Prefer to walk into a branch, be greeted by name, have a cup of coffee and receive personalized attention to help with your banking needs? We can do that!

Prefer to make deposits, transfer funds or apply for a loan from the comfort of your couch? We can do that, too!

With Sonora Bank, you get the best of both worlds. Not only are friendly personal bankers available in person or over the phone to assist you with your banking needs, but you also have access to fast, convenient and safe digital technology.

Choose the Personal Checking Account That's Right for You.

Minimum balance to open $100
Minimum Balance Requirements No
Interest-earning No
Incentives
  • Online banking with optional electronic statements
  • Online bill pay
  • Access to telebanking
  • Free debit card
Transaction Limitations
Unlimited
Fees & Charges
  • No maintenance fee
  • Paid item fee: For each overdraft paid -$30.00
  • Returned item fee - $30.00
  • ATM charges (for ATMs we do not own/operate) $1.00

Minimum balance to open $100
Minimum Balance Requirements $700
Interest-earning No
Incentives
  • Online banking with optional electronic statements
  • Online bill pay
  • Access to telebanking
  • Free debit card
Transaction Limitations
  • Unlimited deposits
  • Excess debit fee for each debit in excess of 50 in statement cycle
Fees & Charges
  • A maintenance fee of $5 will be imposed every statement cycle if the account balance falls below $700 on any day of the cycle
  • Excess debit fee of $.25 will be charged for each debit transaction (excluding electronic transfers) in excess of 50 during statement cycle
  • Paid item fee: For each overdraft paid -$30
  • Returned item fee - $30
  • ATM charges (for ATMs we do not own/operate) $1
Minimum balance to open $5,000
Minimum Balance Requirements $5,000
Interest-earning Yes/Tiered Rates*
Incentives
  • Online banking with optional electronic statements
  • Online bill pay
  • Access to telebanking
  • Free debit card
  • Free basic checks
  • Free ATM usage
  • Free cashier’s checks
Transaction Limitations
Unlimited
Fees & Charges
  • A maintenance fee of $25 will be imposed every statement cycle if the account balance falls below $5,000 on any day of the cycle
  • Paid item fee: For each overdraft paid -$30
  • Returned item fee - $30
*Rates may change at any time. Certain limitations and other fees may apply. Visit one of our branches for additional limitations, fees and rate information.
Minimum balance to open $1,000
Minimum Balance Requirements $1,000
Interest-earning Yes*
Incentives
  • Online banking with optional electronic statements
  • Online bill pay
  • Access to telebanking
Transaction Limitations
  • Unlimited deposits
  • Excess debit fee for each debit in excess of 50 in statement cycle
Fees & Charges
  • A maintenance fee of $10 will be imposed every statement cycle if the account balance falls below $1,000 on any day of the cycle.
  • Excess debit fee of $.20 will be charged for each debit transaction (excluding electronic transfers) in excess of 50 during statement cycle.
  • Paid item fee: For each overdraft paid -$30
  • Returned item fee - $30.00
  • ATM charges (for ATMs we do not own/operate) $1.00
*Rates may change at any time. Certain limitations and other fees may apply. Visit one of our branches for additional limitations, fees and rate information.
Minimum balance to open $100
Minimum Balance Requirements No
Interest-earning No
Incentives
  • Online banking with optional electronic statements
  • Online bill pay
  • Access to telebanking
  • Free debit card
  • No charge for cashiers checks or money orders
  • Free 3x5 Safe Deposit Box (based on availability)
  • No charge for the first order of checks
  • Fax and notary services
Transaction Limitations
Unlimited
Fees & Charges
  • Paid item fee: For each overdraft paid -$30.00
  • Returned item fee - $30.00
  • ATM charges (for ATMs we do not own/operate) $1.00

We're here to help!


If you'd like to talk through the various personal checking account options, a personal banker is standing by waiting to help. 

Call us at (800) 898-1888 or find a location closest to you. 
Man depositing check with phone
MOBILE APP 

Banking on the go

Access your accounts anytime, anywhere with Sonora Bank secure mobile banking services. It’s convenience you can count on and service you can take with you.

Download