FAQs

Have a specific question?

General Questions

Q Are Sanibel Captiva Community Bank deposit accounts FDIC insured?
A
Yes! Every customer is insured by the FDIC to at least $250,000 per depositor, per insured bank, for each ownership category.  For more information, visit https://edie.fdic.gov for additional deposit insurance FAQ’s.
Q Are wire transfers possible to and from my Sanibel Captiva Community Bank checking account?
A
Yes!  Funds can be transferred to and from Sanibel Captiva Community Bank accounts by wire transfer or via ACH (Automated Clearing House) debits or credits. Call us at 239-472-6100 for more details.
Q Can I deposit checks using my mobile phone?
A
Yes.  Our Sanibel Captiva Community Bank Mobile App allows you to take a picture of your check and deposit it directly to your account saving you a trip to the bank.
Q Can I get information about my account by phone?
A
Yes!  After positive identification is verified, account information is available with one of our Customer Service Representatives during business hours at any of our offices.
Q Can I order checks online?
A
If you have previously ordered checks with us at one of our branches you can easily reorder from our website or using the link below: https://orders.mainstreetinc.com/ConsumerReorder?UseHeader=Yes Main Street is our preferred provider for ordering checks online.  If you experience errors using this service please call us at 239-472-6100 or visit one of our eight locations.
Q Can I pay bills using online banking or mobile phone?
A
Yes.  Both our free Online Banking and Mobile Banking App allow you to pay your bills without the cost of postage.
Q Can I review my transactions at any time?
A
Yes! With Online and Mobile Banking, you have access to your account information 24/7!
Q Do you offer digital wallets?
A
Yes.  We want to make purchases and payments to be easy and painless.  We provide Apple Pay, Google Pay and Samsung Pay which can all conveniently link to your eligible Sanibel Captiva Community Bank credit or debit card.
Q Do you only have locations on Sanibel and Captiva Islands?
A
No.  We have seven locations across Lee County (with an 8th location opening in 2020) from Gateway to downtown Fort Myers to the McGregor/Iona area to the Islands.
Q How do I change my address and phone number?
A
Please call us at 239-472-6100 to speak to a customer service representative who can help you make the necessary changes.  Please note a physical signature is required to make either of these changes.
Q How do I get my bank statements?
A
If you have Online Banking, you may sign on to view and print your statements or you can call us at 239-472-6100 to request them by mail.
Q How do I make a deposit to my account from a remote location?
A
You can do most of your banking by using mobile deposit or ACH (Automated Clearing House) transactions.
Q How do I set up Direct Deposit of my payroll check?
A
After your checking account is opened, you will receive Sanibel Captiva Community Bank’s routing and transit number and your account number. If your employer participates in a direct deposit program, provide this information to the human resources or payroll department at your company, and your direct deposit will begin as soon as your employer creates your payroll file.
Q How do I sign-in to Online Banking?
A
From our home page, you will see a login box in the middle right of the page.  Enter your Username and Password in the boxes and click "LOGIN."
Q How do I stop payment on a check?
A
Please call us at 239-472-6100 to speak to a customer service representative who can help you.
Q How frequently is my Sanibel Captiva Community Bank information updated?
A
We update all customer information nightly.  Whether you access Online Banking or visit one of our branches, your account information is updated every day to reflect your activity.
Q How many ATMs do you have?
A
As our customer you have access to over 145 surcharge free ATMs in Lee County and over 55,000 worldwide through our partnership with the Allpoint and Presto! Networks. To find an ATM, click here.
Q If I don’t live in Lee County can I still bank at Sanibel Captiva Community Bank?
A
Yes!  By using our online and mobile banking you can bank with us anytime, anywhere.  You can deposit checks using your mobile app via your Smartphone.  If you need to take out or deposit cash you can do so fee free at over 55,000 AllPoint and Presto ATM’s worldwide.  And if you need personal assistance we are only a phone call away. We promise a human in sunny Southwest Florida will pick up the phone and will be happy to assist you.
Q Is interest paid on Sanibel Captiva Community Bank checking accounts?
A
Yes!  If you want a checking account that pays a market rate of interest, check out our Banking Services for the account which best meets your needs.
Q Since you’re a community bank do you offer the same technology other larger banks offer?
A
Yes.  We offer all the technology of a big box bank like online banking, mobile banking, digital wallets, mobile deposit and more.  But we are also always available to help you in person or on the phone if need be.
Q What are your branch hours?
A
All seven of our locations are open Monday through Thursday 9am-4pm and 9am-5pm on Fridays.
Q What documents do I need to provide to open an account?
A
You will need two form of identification showing proof of your physical address, your legal name, Social Security number or TIN, and date of birth.  Examples include a driver’s license, state-issued identification or valid passport.
Q What is overdraft protection?
A
Overdraft Protection allows you to link your account to an established protection account so your transactions are covered by the balances in your protector account.  Available protector accounts include deposit or savings accounts.  Once you have set up Overdraft Protection, you will not incur overdraft fees if you overdraw your account and there are available funds in your protection account. We do not charge for this service.
Q What is the Sanibel Captiva Community Bank mobile app? How do I get it and what does it do?
A
Our Mobile App allows you to bank from your smartphone and can be downloaded from the Apple App or Google Play Stores. You can securely access both your Checking and Savings accounts and pay bills directly from your phone.
Q Where can I find my account number and routing number?
A
These numbers are located at the bottom of every check.

Transaction Questions

Q How do I dispute a debit or credit card transaction?
A
Please call us at 239-472-6100 to submit a disputed charge.
Q Is there a daily dollar limit for my debit card?
A
Yes. Debit cards have daily purchase and withdrawal limits which can be found in your Personal Accounts Fee Schedule.  You can also call us at 239-472-6100 or visit one of our locations for more information.
Q Is there a limit to how many checks I can deposit with Mobile Deposit?
A
There is no limit to how many checks you can deposit via Mobile Deposit.  However, there is a daily threshold amount for mobile deposits.
Q What CANNOT be deposited by Mobile Deposit?
A
Canadian or foreign checks, US savings bonds, treasure tax & loan payments, travelers’ checks or money orders.
Q What information is needed for a wire transfer?
A
To send a wire within the U.S., you will need to provide your name, complete street address, account number and crediting information. The crediting information includes the bank name, complete street address, routing number and the recipient’s name, complete street address and account number.
Q What should I do with my check after making my mobile deposit?
A
We recommend keeping the check for 10 business days and write” Submitted for Mobile Deposit” and date on the check.  After 10 days destroy the check.

Keeping Track of Balances

Q When will ATM deposits be available?
A
Check deposits made prior to cut off on a business day (Monday through Friday, except holidays) will generally be available the next day.  Deposits may be subject to a hold, which delays when those funds will be available to you. We encourage you to monitor your account through Online Banking or Mobile Banking, or by calling 239-472-6100.
Q Where and how can I see my balances?
A
You can monitor your balances 24/7 with Online Banking or Mobile Banking.