Open a bank account online at Tri Counties Bank and enjoy exceptional service backed by 50 years of financial stability. From basic checking and savings account options, to interest-earning accounts, Tri Counties Bank has the right option for you. In addition, when you open a checking or savings account at Tri Counties Bank, you get access to approximately 40,000 surcharge-free ATMs, advanced mobile and online banking, and local branches conveniently located throughout Northern and Central California.
What type of personal account are you looking to open?
A basic checking account for frequent everyday users.
Our premium checking account for customers with higher balances or multiple accounts.
Grow your savings with a dependable account that earns interest.
Combine higher interest rates with flexible access to your funds.
Switch to Better Banking
Whether you are looking for a basic checking account to get started on your financial journey, or if you are ready to make the most of your money with interest-earning checking and savings accounts, we have the right option for you.
Tri Counties Bank personal checking accounts come with all of the convenience features you expect:
MoneyPass ATM Network
Access to approximately 40,000 surcharge-free nationwide ATMs.
Advanced Mobile and Online Banking
Check your balances and account activity, transfer between accounts, and use our financial management tools to track and manage your money across all of your accounts, including accounts at other financial institutions.
Branches throughout Northern and Central California
Visit your local Tri Counties Bank branch conveniently located in communities throughout California.
Plus, you’ll enjoy additional features including:
Credit Monitoring
Instantly view your credit score, set up credit alerts, and access personalized tips to help you improve — or maintain — your already great credit score! It’s built into Tri Counties Bank Mobile and Online Banking at no additional cost to you.
Mobile Check Deposit
Deposit checks from virtually anywhere through the Tri Counties Bank Mobile App.
Debit Cards with Zero Liability Protection
Visa® Debit Cards include zero liability protection plus 24/7 monitoring to prevent unauthorized transactions.
Frequently Asked Questions
Choose the checking and/or savings accounts that are right for you, click “Open Now”, complete the secure application, and make your first deposit with an external bank account or a debit card. Most customers finish in about 10 minutes and get instant approval. But if more information is required, our Customer Support team will reach out to you directly within three business days.
Our online application usually takes about 10 minutes. Most customers receive instant approval and can fund their new account right away.
At Tri Counties Bank, selecting the right account is simple. Use our comparison pages to find an account that fits your needs:
- Checking Accounts – Explore and compare Essential and Premier Checking to find the one that fits your daily banking habits.
- Savings Accounts – Compare Savings and Money Market accounts to find a match for your savings goals.
These pages clearly outline account features, fees, waiver thresholds, minimum balances, and interest rates to help you choose the best option for your needs.
A U.S. street address (no PO Boxes), your social security number or Individual Taxpayer Identification Number (ITIN), a valid government-issued ID, and a debit card or external bank account to make the first deposit.
We accept U.S. Driver’s License, State ID, Passport, or Military ID. Make sure your ID is unexpired and matches your application details.
In most cases, no. You can verify your identity, fund the account, and receive disclosures entirely online. Rare exceptions require visiting your local branch, but we’ll notify you if this is needed.
Yes. Simply choose to add a joint applicant during the application. Your joint applicant must be present to enter their information and to verify their identity.
If you are instantly approved, you’ll get an on-screen confirmation, account number, and enroll in or log in to Mobile and Online Banking if you’re already enrolled as an existing customer. If additional information is needed, we’ll reach out within three business days.
No. We perform a soft inquiry through ChexSystems, which does not impact your credit score.
Our accounts have different minimum opening deposit requirements. Our Trico Essential Checking account requires a $25.00 minimum opening deposit, and our Trico Premier Checking account requires a $100.00 minimum opening deposit. Our Trico Essential Savings and Trico Money Market both require a $100.00 minimum deposit to open those accounts.
After your account is open, use our ClickSwitch tool within Mobile and Online Banking to easily switch your direct deposits and recurring payments, or visit your local branch for in-person assistance.
You must be 18 years or older to open any of our bank accounts offered through our online application. If you are between the ages of 13-18, you can open a Student Smart Checking account or a Minor Savings Account. These accounts require a parent or guardian co-signer for customers under the age of 18 and can be opened in branch.