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Specializes in business banking and services clients in Southern California from Santa Barbara to San Diego.
www.americanbusinessbank.com
Provider of personal acocunts, business accounts and loans to the community of Antelope Valley.
www.avbank.com
Chinese owned bank that offers financial services including deposit accoutns for consumers and businesses, as well as lending services.
www.bankcanton.com
Full service community bank serving the financial needs of the City of Alameda and Alameda County.
www.bankofalameda.com
Community bank serving Tulare, Kern, Kings, Fresno and Madera Counties.
www.bankofthesierra.com
Offers private and business banking, stock option and discount brokerage services, association bank services and escrow services.
www.banksf.com
Bank provides deposit and loan products, with a lending emphasis directed at professionals, small and medium size businesses, manufacturing and businesses related to the agricultural industry.
www.bankvisalia.com
Full-service financial cooperative open to anyone who lives, works, worships, or attends school in Santa Cruz County.
www.bayfed.com
Locally-owned, independent, community bank serving the greater Petaluma area.
www.bofp.com
Minority owned (Native American) and federally chartered community bank that provides services such as checking accounts, saving accounts, certificates of deposits, money markets.
www.borregospringsbank.com
Community bank that offers personal and business banking products, as well as payroll and tax services.
www.buttecommunity.com
Community bank that offers a wide range of products to individuals and businesses.
www.calbanktrust.com
Provider of personal banking, business banking, trade finance and loans.
www.calcenterbank.com
Capital Bank of North County is a Locally owned and locally headquartered bank serves the banking needs of North County.
www.capitalbanknet.com
Full-service community bank that offers deposit accounts and loans.
www.centralsierrabank.com
Full-service community bank that focuses on deposit accounts and loans.
www.citizensbanknc.com
Community development bank, is devoted to persons, businesses and institutions that reside in its target areas.
www.communitybankbay.com
Provider of personal checking, savings, business checking and lending services.
www.familybank.com
Community bank that provides personal and business deposit accounts, as well as SBA loans.
www.firstbankslo.com
Bank serves the persoanl and business financial needs of Yolo, Sacramento and Solano counties.
www.firstnorthernbank.com
Provider of personal, business and international banking services.
www.fnbsd.net
Community bank with personal banking, electronic banking and business banking.
www.fremontbank.com
Provider of financial services with a focus on the small businesses.
www.icbbank.com
Bank offers checking and savings accounts, certificates of deposit and retirement accounts.
www.ljbank.com
Provider of personal, commercial and international banking services.
www.manubank.com
Provider of Internet banking, personal banking, business banking, investment management and trust services.
www.mechbank.com
Bank offers Internet banking, trade financing, and check cashing services.
www.merchantsbankca.com
Provider of personal accounts, business accounts and discount brokerage accounts.
www.merchantsnational.com
Bank offers financial products and services designed to meet the needs of consumers and businesses in the Northern California market.
www.midvalleybank.com
Provider of business services, personal services, trust services and lending services.
www.montecito.com
Bank specializes in meeting the business needs of professionals, mid-sized businesses and real estate investors with loan requirements from $50,000 to $3,000,000 or higher.
www.networkbankusa.com
Provider of business and personal deposit accounts, business loans, personal loans and investment accounts.
www.ovcb.com
Bank provides community banks with essential correspondent banking services.
www.pcbb.com
Provider of personal and commercial services including deposit accounts, loans, insurance and investments.
www.plumasbank.com
Provider of business banking, personal banking and Internet banking, including payroll services.
www.rsfbank.com
Provider of personal accounts, business accounts, investment accounts and loans.
www.saehanbank.com
Bank offers financial services intended to serve the needs of Santa Clara Valley area residents and businesses, including commercial, retail, and agricultural business, professionals and retired individuals.
www.santaclaravalleybank.com
Community bank, that is part of a three bank holding company, Pacific Capital Bancorp.
www.sbbt.com
Trust company and a subsidiary of The Chicago Trust Company, provides trust and investment services.
www.securitytrust.com
Company focuses its investment and strategic advisory activities on the emerging telecom and Internet landscapes.
www.spcom.com
Provider of banking products and services including: Internet banking, deposit accounts for businesses and individuals, loan products to help with business financing, construction financing and loans for personal needs.
www.spectrumbank.com
Community bank provides financial services to individuals and businesses, including deposit accounts, loans and Internet banking.
www.vcb.com
Community bank that provides financial services such as personal banking, business banking, consumer loans, commercial loans and real estate loans.
www.vineyardbank.com
Community bank providing personal and business banking services to the Napa Valley.
www.vintagebank.com
Provider of personal banking, business banking, including lending services for individuals, businesses and real estate.
www.yosemitebank.com
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California retail banking is an old and established industry: You can't swing a dead cat without hitting someone involved in California retail banking services. But finding the right one from among the slew of California retail banks takes more than entering "retail banks in Northern California" or "retail banks in Southern California" into a search engine.
Retail banks in California are everywhere, so the dilemma is choosing the right one for your small business and personal needs. When looking for a retail bank and retail bank lenders in California, consider the following:
1. Large national banks are well-represented in California and have the advantage of locations throughout California, and in many other states.
2. If you prefer banking online, inquire about their Internet offerings.
3. Community banks in California may be more to your liking if you're a sole proprietor or small local business owner.
Action Steps
The best contacts and resources to help you get it done
Pick a nationwide chain for retail banking in California
If you've decided that size matters and want the full range of retail services -- lines of credit, online banking, many ATMs, locations throughout the state and country that giant retail banks in California provide, choose one of the national chains to do your retail banking in California.
I recommend: Wachovia has California retail banks throughout the state, including multiple branches in major cities. Wells Fargo is another national player with many California retail banks, as well as national locations.
Look for community banks in California that suit your needs
Some business people want retail banks in California that are based in the state, or smaller community banking options. If you choose to go with a smaller choice for your banking needs remember to find a California retail bank that has all the services and resources that you need. There are many California-based choices for your California retail banking needs; selecting one of the larger ones ensures that you get all the services offered by national chains.
I recommend: Union Bank of California and California Bank & Trust both offer the full gamut of California retail banking services.
Find retail banks in California using online tools
If you're still not sure about your choice -- or need to decide between a few banks that sound good -- turn to the Internet to help you find a California retail bank that fits your needs. Directories and search engines can narrow the field. Searching online and exploring companies' websites is also a good way to compare the Internet services your respective options provide.
I recommend: Use California Bank Directory or The Community Banker to compare California retail banks.
Tips & Tactics
Helpful advice for making the most of this Guide
- • One of the best ways to find a California retail bank is to ask your friends. First-hand accounts regarding service, locations and dispute resolution from a trusted source can tell you a lot more about what the bank is really like than a slick brochure.


