B+ MyBankTracker Rating

Seacoast Commerce Bank

About Seacoast Commerce Bank

Seacoast Commerce Bank is the largest and oldest commercial bank headquartered in San Diego’s South County and serves businesses throughout California. The Bank is a full-service institution, chartered and operating as a State Chartered financial institution, governed by the California Department of Financial Institution (DFI), and insured by the Federal Deposit Insurance Corporation (FDIC). Seacoast Commerce provides a full range of superior products and services for business, from loans and lines of cre

Seacoast Commerce Bank logo

MyBankTracker rated based on the following criteria that includes real customer reviews and bank fees, among others. Our bank report card is a proprietary rating system that highlights the financial health and stability of the bank. See how it’s rated.

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Customer Reviews

Most Helpful Seacoast Commerce Bank Bank Customer Reviews

  • CM
    Reviewed By Cat M. Jun 5, 2013

    bait and switch

    Filled out and posted their application along with a cashiers cheque for the minimum opening deposit $25k. Couple of days later a rep rang me, asking me to speak with me. When I rang back, she asked me to come in to verify my ID. The application form I filled out did not ask for any ID, yet the rep seemed astonished that I had failed to send in any.

    I balked at dropping in, explaining that this defeats the whole purpose of a web bank. A person in Montana would not be asked to drop in so why should I be victimized just for happening to live in the same city? She said We do not advertise as a web bank. I said you are listed with Bankrate.com as a web bank. Then she asked what rate I was quoted, and I answered .85% was advertised on Bankrate.com and their own website. She said that rate was some sort of special that no longer existed. I asked for my cheque to be returned.

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  • Type Fee National Average
  • Monthly Inactivity N/A
  • Non-Sufficient Fund (Overdraft) N/A 0
  • Stop Payment item N/A 0
  • Return Deposit N/A 0
  • Domestic Wire Transfer (Outbound) N/A 0
  • Domestic Wire Transfer (Inbound) N/A 0
  • Non-Bank ATM N/A