The SBI California Active Account is a premier checking account offering extensive benefits tailored to customers who require flexibility and enhanced banking services. With this account, you enjoy unlimited transactions, no monthly maintenance fees when a qualifying balance is maintained, and a suite of advanced digital banking tools that help you manage your funds with ease. These tools include the ability to make deposits, check balances, transfer funds, and pay bills all via a highly-secure online banking platform or mobile app. This account is ideal for individuals who require seamless access to their funds without incurring the costs associated with many traditional checking accounts.

To open an SBI California Active Account, you must be a U.S. resident aged 18 or older and possess valid government-issued identification. We require proof of identity, such as a passport, state-issued ID card, or driver's license, to ensure your identity is securely verified. In addition, a proof of address (e.g., utility bill, lease agreement) and a Social Security Number (SSN) are required for the application process. This ensures that we comply with regulatory standards and that your account setup is secure.

Yes, SBI California provides full access to your Active Account through online banking and a highly-functional mobile app, enabling you to manage your account anywhere and anytime. The SBI California online platform offers the ability to check balances, make transfers, pay bills, and monitor recent transactions. The mobile app gives you the same capabilities, and it’s designed to be user-friendly with options such as biometric login (fingerprint or facial recognition), transaction categorization, and customized alerts for account activities.

To avoid the $10 monthly maintenance fee on your Active Account, you need to maintain a minimum balance of $100.

If your Active Account balance drops below the minimum required $100, a $10 monthly maintenance fee will be charged until your account balance meets the requirement minimum daily balance again. If this occurs in one statement cycle, the fee will be applied. However, once your balance is restored to above $100, the fee will be waived in subsequent months. To avoid this fee, regularly monitor your account balance and manage withdrawals or transfers accordingly.

Yes, there are limits and fees for online transactions depending on the platform being used, such as ACH transfers, external transfers, or bill payments.

SBI California does not offers overdraft protection services.

You can use your SBI California Active Account for international transactions in several ways. Your debit card is accepted globally for purchases at millions of merchants and can be used at foreign ATMs. Please note that foreign transaction fees may apply. Additionally, when using non-SBIC domestic or international ATMs, a surcharge of $15 will be debited from your account at the time of the transaction and credited back on the same business day once the transaction is posted to your account. The Active Account also supports wire transfers or payments to international parties, though extra fees and currency exchange rates may apply depending on the destination and payment method.

To open your Active Account with SBI California, the following documents are required:

• A valid, government-issued photo identification (passport, driver’s license, state-issued ID card).
• Proof of residential address, such as a utility bill, bank statement, lease agreement, or mortgage document.
• Social Security Number (SSN) for verification and regulatory compliance.
• Additionally, for non-U.S. citizens, further documentation such as an Individual Taxpayer Identification Number (ITIN) or visa may be required.

These documents are needed to ensure your identity is verified and that the bank complies with federal regulations.

Yes, you can open a joint Active Account with one or more co-applicants, provided all individuals meet the eligibility criteria. All joint account holders are required to present identification, a Social Security Number (SSN) or ITIN, and proof of address. Joint accounts allow the co-owners equal access to the account and the ability to deposit, withdraw, and monitor account activities, making this option a convenient choice for partners, family members, or business owners.

Setting up direct deposit for your Active Account is simple. Provide your employer or payment provider with the account number and routing number specific to your Active Account. Once the details are provided, payments (such as salaries or government benefits) can be directly deposited into your account. Direct deposit ensures that you receive your payments automatically without needing to visit the bank.

SBI California is committed to ensuring your personal and financial data is safeguarded. The Active Account comes with industry-leading security features, such as:

• Bank-grade encryption for all online transactions and mobile banking activities.
• Multi-factor authentication (MFA), which requires multiple forms of identification (such as password, text/email verification code) before granting access.

These tools, combined with constant security monitoring and dedicated fraud prevention, ensure that your account remains secure.

Yes, if you already have a different account type with SBI California and wish to switch to an Active Account, the process is straightforward. You can visit a branch location, fill out the required forms, and the customer service team will guide you through the steps. Additionally, you can contact SBIC customer service via phone or online messaging, and we will help facilitate the transition smoothly.

Yes, you can set up customized account activity alerts through the online banking platform or mobile app. Alerts can notify you of:

• Transactions over a specified amount.
• When a balance goes below a set limit.
• Deposits and withdrawals.
• Bill payments, etc.

These alerts can be delivered via email, SMS, or push notification to keep you informed of any account changes in real-time.

The process to open an Active Account online typically takes 1-2 business days, assuming all required documents are provided. If any information is missing or needs to be verified, this might extend the processing time. After the account is opened, you’ll receive your debit card and any necessary details, including account access credentials for online and mobile banking.

Yes, the Active Account allows for setting up automatic bill payments through the online banking platform. You can link your recurring bills (utilities, mortgages, subscriptions, etc.) and ensure they are paid automatically each month, preventing late fees and avoiding the hassle of manual bill payments.

No, there are no fees for closing your Active Account with SBI California. You can close your account at any time, but please be sure that all outstanding transactions, including pending deposits or withdrawals, have been cleared. It’s recommended to speak with customer service prior to account closure to ensure everything is settled properly.