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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.

          *Maintenance Fees are assessed each statement cycle.

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Personal Savings Accounts

Which Savings Account is right for you?


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Personal Loans To Meet Your Needs!

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 is located at Savings Bank of Mendocino County, 200 N. School St., Ukiah. Securities are offered through Raymond James Financial Services Inc. Member FINRA / SIPC, and are: not deposits, not insured by FDIC or any other government agencies, not guaranteed by Savings Bank of Mendocino County, are subject to risk, may lose value. Savings Bank of Mendocino County is not a registered broker/dealer and is independent of Raymond James Financial Services.  Investment Advisory Services offered through Raymond James Financial Services Advisors, Inc.

Visit The Raymond James Financial Services website for more information.


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Electronic Banking


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 Savings Bank Debit & Credit Cards


To report a lost or stolen ATM or MasterCard® Debit Card during banking hours call (707) 462-6613.
After hours call (800) 528-2273.

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Overdraft Protection

Print Overdraft Protection Application

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
At Savings Bank we understand that simple mistakes happen. That's why we offer a Ready Reserve Overdraft Protection Plan. Based on credit approval, a Ready Reserve Plan will 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, 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 interest or fees unless and until you use your Ready Reserve Plan.

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Shareholder Services

Kimberly A. Smith
(707) 462-6613 x1304

Request Info

First Name:
Last Name:
State:   Zip:
Phone Number:
Fax Number:
Please let us know how we can help you:


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Additional Services

  • Bank by Mail
  • Foreign Currency Exchange
  • Safe Deposit Boxes
  • Cashier's Checks
  • Wire Transfers
  • Night Depository


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