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Personal Services

Since 1903, Savings Bank has been serving the financial needs of Lake and Mendocino County residents. Whether you want a checking or savings account or need a personal loan or mortgage – we can help.

Personal Checking Accounts

Which Checking Account is right for you?
Enjoy the convenience of a Savings Bank Debit MasterCard with each account.


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Personal Savings Accounts

Which Savings Account is right for you?


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Personal Loans To Meet Your Needs!

Use the money for unexpected expenses, debt consolidation, take a vacation, or whatever meets your needs.  Our flexible terms make your payments affordable.

LOANS: Easy application turnaround time.

The Elmer Albertson Student Loan Program

This program was made possible by the late Mabel Albertson through the establishment of the Elmer Albertson Trust Fund in memory of her husband. This is a private Student Loan Program with no affiliation to any U.S. Government Guaranteed Student Loan Program. The program is administered by the Fund's Trustees with the cooperation of the Savings Bank of Mendocino County. For more information, contact Lisa Doster at 707-462-6613 Ext. 1245.

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Investments Services

Raymond James Financial Services Inc., member FINRA/SIPC, is located at the Savings Bank of Mendocino County, 200 No. School St., Ukiah. Securities offered through Raymond James are not deposits and are not insured by FDIC or any other government agency, nor are they guaranteed by Savings Bank of Mendocino County. Raymond James securities are subject to risk and may lose value. Savings Bank of Mendocino County is not affiliated with RJFS.


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Electronic Banking


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 Savings Bank Debit & Credit Cards


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Overdraft Protection

Choose the one that meets your needs:

Automatic Transfer Overdraft Protection
To help avoid overdraft fees, designate an account to automatically transfer available funds when you don’t have enough money in your checking account by the end of the business day. The transfer is generally made in $50 increments to cover your transactions. There is no fee to enroll; however, each day an automatic transfer is made for overdraft protection, you will pay one $10 Overdraft Protection Transfer Fee which will be debited from your designated SBMC funding account.

Ready Reserve Overdraft Protection
Based on credit approval, our Ready Reserve Overdraft Protection Plan will instantly provide you with the funds you need when there is not enough money in your checking account to cover checks or other items presented for payment. When this happens, whether intentionally or by mistake, money is automatically transferred from your Ready Reserve Plan, in $50 increments, to cover those items, as long as there is sufficient credit available in your Ready Reserve Plan. You pay no finance charges unless and until you use your Ready Reserve Plan.


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Shareholder Services

Kimberly A. Smith
(707) 462-6613 x1304


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Additional Services

Other services that can help both the individual and the business owner. The Savings Bank of Mendocino County has a wide variety of general services to choose from.

  • Bank by Mail
  • Foreign Currency Exchange
  • Safe Deposit Boxes
  • Cashier's Checks
  • Wire Transfers
  • Night Depository
  • TeleBank   (877) 477-1154  
  • For more information contact us

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