Business Details
37 Years
experience
Your Trusted California Bank for Personal & Business Needs
Tri Counties Bank has been serving California communities since 1989, offering a comprehensive range of FDIC-insured financial solutions for personal and business clients. Our locally-focused approach combines personalized service with modern banking technology to meet diverse financial needs. With specialized accounts for individuals, businesses, and public sector organizations, we prioritize customer relationships over transactional interactions.Our services include mortgage lending, commercial real estate financing, treasury management, and digital banking tools designed for convenience and security. Recognized through community awards and customer loyalty, we maintain a commitment to transparency, ethical practices, and supporting local economic growth through tailored financial strategies.
Services
Checking Accounts
Savings Accounts
Mortgage Loans
Business Banking
Credit Cards
Loan Services
Digital Banking
Treasury Management
Commercial Real Estate
Investment Services
Details
- Year established: 1989
Highlights and features
- FDIC-insured accounts protecting deposits up to $250,000
- Locally-rooted banking with statewide service coverage
- Specialized financial solutions for businesses and public entities
- 24/7 digital banking with security alerts and transaction monitoring
- Recognized community bank with regional award-winning service standards
Associations and certifications
- FDIC
What people say
Top choice in communities
Superior service
Flexible solutions
Services
Business Checking Accounts
Specialized business checking solutions with tiered pricing and transaction flexibility. Designed for companies of all sizes, these accounts offer integrated treasury management tools and merchant services. Clients benefit from dedicated business support and FDIC-insured protection up to legal limits.
Home Equity Lines of Credit
Flexible home equity credit lines with competitive interest rates and draw periods up to 10 years. Available for primary residences and investment properties, featuring online access and customizable repayment options. Funds can be used for home improvements, debt consolidation, or major purchases.
Digital Banking Services
24/7 digital access with real-time account monitoring, bill payment, and mobile check deposit. Enhanced security features include customizable alerts and two-factor authentication. Business clients receive specialized platforms for payroll processing and cash flow management through Trico Business Express.
Commercial Real Estate Loans
Tailored financing for commercial property acquisition, development, and refinancing. Available for office spaces, retail centers, and industrial facilities with loan terms up to 25 years. Includes construction financing options and experienced underwriting support for complex real estate transactions.
Personal Savings Accounts
High-yield savings options with tiered interest rates and no monthly maintenance fees. Features include automatic transfers, goal-setting tools, and FDIC insurance coverage. Available as standalone accounts or linked to checking accounts for easy fund management.
Questions
Is my money safe at Tri Counties Bank?
Yes, all deposit accounts are FDIC-insured up to $250,000 per depositor, with additional protections through our security protocols and financial stability measures.
Can I access banking services online?
Yes, we offer 24/7 digital banking with bill payment, mobile check deposit, account alerts, and business cash management tools through Trico Business Express.
What loan options are available for businesses?
We provide commercial real estate loans, equipment financing, working capital loans, and SBA-guaranteed programs with personalized underwriting and flexible repayment terms.
Do you offer mortgage lending services?
Yes, we provide conventional, FHA, and VA mortgage loans for home purchases and refinancing with competitive rates and local decision-making.
How can I report a lost debit card?
Contact our customer service at 1-800-922-8742 immediately to report lost or stolen cards and request replacement through our secure verification process.
