Santa Cruz County Bank provides a range of commercial and personal banking services to residents and businesses. The company's deposit products include checking, savings, term certificate, money market, and health savings accounts; and IRAs and certificate of deposits. It also offers lending products comprising commercial, multi-family, agricultural, construction, wine industry, venture banking, small business administration, business and industry, farm services agency, municipal, government guarantee, and installment loans, as well as loans supported by single-family residential real estate, commercial real estate financing, and lines of credit. In addition, the company provides debit and credit cards, merchant, online and mobile banking, remote electronic deposit, bill payment, treasury management, and cash management services. It operates through seven full-service offices located in Aptos, Capitola, Cupertino, Monterey, Santa Cruz, Scotts Valley, and Watsonville; and two ATMs and night depository kiosks. Santa Cruz County Bank was incorporated in 2003 and is based in Santa Cruz, California.