Empowering Our Community with Personalized Banking Solutions

Local Bank. Local Commitment. Local Decisions.

Personal Banking

We offer the same services and products of a big-box bank but better, with fee-free products like free personal checking… and cookies!

Click here to learn more about personal banking plans.

Business Banking

Banking is a necessity for businesses and some banks make it expensive when it shouldn’t be. We don’t charge fees unless we absolutely have to.

Click here to learn more about business banking plans.


Local Lending. Local Decisions. We’re not just your lender but your partner. We focus on making the right loan for you. Apply online today.

Click here to learn about residential lending.

Click here to learn about commercial lending.


As Southwest Florida’s largest community bank, we maintain an unwavering commitment to the community we all love.

Click here to explore our community involvement.

Branch Locations

We’re not just an island bank. We have seven, full service Southwest Florida locations to serve your banking needs.

Click here to find a bank near you.

Personal Banking

Our free Personal Checking gives you all the benefits without the fees.

  • No monthly maintenance fee
  • Free pack of Welcome Checks
  • Free Online and Mobile Banking
  • Free Bill Pay
  • Free Zelle transactions

Business Banking

Business Banking banner

Our business banking products and services offer you solutions to meet your operational needs.

  • Free debits
  • Free Online and Mobile Banking
  • Free Bill Pay
  • Free Positive Pay to prevent check fraud

Commercial Lending

Commercial Lending banner with Kyle DeCicco

Looking to start or expand a business? Considering making a real estate purchase? Sanibel Captiva Community Bank can help you reach those goals.

  • Customer-focused and relationship-driven
  • Deal directly with the decision-maker
  • In-house credit underwriting
  • Non-conventional lending options

Residential Lending

Residential Lending banner with David Wright

With Sanibel Captiva Community Bank as your lender, you get a local partner guiding you through the mortgage process.

    • Funded over $2.4 billion in loans since 2003
    • 8 residential loan officers located throughout Lee
    • More flexibility than other larger banks
    • Quick, local decision-making

About Us


As a nonconventional bank, our foundation is built on people and relationships. We empower and support our neighbors, team and community through local decision-making.


We are devoted to staying locally owned and operated with an unwavering commitment to our community and serving Southwest Florida with thoughtful, smart banking solutions.


We are…

Neighborly, Forward-thinking, Family, Engaged and motivated, Dedicated, Proud, Flexible, Part of the community

Blue Bird from Sancap Logo

What Our Customers Are Saying