US Bank Directory
Banks in Monterey, CA
10 FDIC-insured banks operate 10 offices in Monterey, California, and 2 credit unions have 3 offices.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026; hours checked October 10, 2026.
Bank branch map: Monterey
Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.
Short answer: 12 banks and credit unions operate 13 locations in Monterey, according to the FDIC and the NCUA. 12 of them have coordinates on record and are on the map. 9 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
12 locations on the map
Tap a cluster to zoom in
Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.
All banks and credit unions in Monterey
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: 10 banks share the most locations in Monterey, with 1 each. 10 banks have a single office in the city. Open any bank to see each address, today's hours where the bank publishes them and the phone number.
Monterey Credit Union Credit union · 2
Monterey Credit Union has 2 officees in Monterey, 5 across California. It is based in Monterey, CA and $357.0 million in assets on March 31, 2026, according to its NCUA call report. None of its 2 Monterey locations with published hours lists Saturday hours.
Who can join: see the credit union's site.
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Main Office main office501 E Franklin St, 93940
All hours
Mon to Fri 10 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
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Monterey Credit Union24560 Silver Cloud Ct Ste 204, 93940
All hours
Mon to Fri 8:30 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Bank of America Bank · 1
Bank of America has 1 branch in Monterey, 684 across California and 3,598 nationwide. FDIC records list its main office in Charlotte, NC and show it operating since 1904. With $2.65 trillion in total assets on June 30, 2026, it ranks No. 2 of 4,232 U.S. banks by total assets. The Monterey Main Branch at 200 E Franklin St dates to 1924 in FDIC branch records. It opens on Saturday.
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Monterey Main Branch200 E Franklin St, 93940
All hours
Mon closed; Tue to Fri 9 am to 5 pm; Sat 9 am to 4 pm; Sun closed
Hours: Bank of America branch locator (All The Places), checked Oct 10, 2026
BMO Bank · 1
BMO has 1 branch in Monterey, 226 across California and 988 nationwide. FDIC records list its main office in Chicago, IL and show it operating since 1947. With $254.97 billion in total assets on June 30, 2026, it ranks No. 16 of 4,232 U.S. banks by total assets. The Monterey - Del Monte Branch at 1050 Del Monte Ctr dates to 2010 in FDIC branch records. Its published hours do not list Saturday.
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Monterey - Del Monte Branch1050 Del Monte Ctr, 93940
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: BMO branch locator (All The Places), checked Oct 10, 2026
Chase Bank · 1
Chase has 1 branch in Monterey, 858 across California and 5,176 nationwide. FDIC records list its main office in Columbus, OH and show it operating since 1824. With $4.09 trillion in total assets on June 30, 2026, it ranks No. 1 of 4,232 U.S. banks by total assets. The Monterey Branch at 291 Alvarado St dates to 1999 in FDIC branch records. It opens on Saturday.
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Monterey Branch291 Alvarado St, 93940
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 2 pm; Sun not published
Hours: Chase branch locator (All The Places), checked Oct 10, 2026
Fifth Third Bank Bank · 1
Fifth Third Bank has 1 branch in Monterey, 87 across California and 1,508 nationwide. FDIC records list its main office in Cincinnati, OH and show it operating since 1865. With $299.18 billion in total assets on June 30, 2026, it ranks No. 14 of 4,232 U.S. banks by total assets. The Monterey Branch at 35 Bonifacio Plz dates to 1987 in FDIC branch records. Its published hours do not list Saturday.
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Monterey Branch35 Bonifacio Plz, 93940
All hours
Mon closed; Tue to Fri 9 am to 5 pm; Sat to Sun closed
Hours: Fifth Third Bank branch locator (All The Places), checked Oct 10, 2026
Mechanics Bank Bank · 1
Mechanics Bank has 1 branch in Monterey, 132 across California and 169 nationwide. FDIC records list its main office in Walnut Creek, CA and show it operating since 1905. With $21.25 billion in total assets on June 30, 2026, it ranks No. 102 of 4,232 U.S. banks by total assets. The Alvarado Branch at 439 Alvarado St dates to 2003 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Alvarado Branch439 Alvarado St, 93940
Monterey County Bank Bank · 1
Monterey County Bank has 1 branch in Monterey, 4 across California and 4 nationwide. FDIC records list its main office in Monterey, CA and show it operating since 1977. With $300.4 million in total assets on June 30, 2026, it ranks No. 2,478 of 4,232 U.S. banks by total assets. Its main office at 601 Munras Ave dates to 1977 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office601 Munras Ave, 93940
Navy Federal Credit Union Credit union · 1
Navy Federal Credit Union has 1 office in Monterey, 54 across California. It is based in Vienna, VA and $203.56 billion in assets on March 31, 2026, according to its NCUA call report. Its published hours do not list Saturday.
Who can join: see the credit union's site.
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Nsa Monterey Ca1650 Lake Del Monte Dr, 93943
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Pacific Valley Bank Bank · 1
Pacific Valley Bank has 1 branch in Monterey, 5 across California and 6 nationwide. FDIC records list its main office in Salinas, CA and show it operating since 2004. With $653.3 million in total assets on June 30, 2026, it ranks No. 1,456 of 4,232 U.S. banks by total assets. The Monterey Branch at 498 Alvarado St dates to 2007 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Monterey Branch498 Alvarado St, 93940
U.S. Bank Bank · 1
U.S. Bank has 1 branch in Monterey, 563 across California and 2,097 nationwide. FDIC records list its main office in Cincinnati, OH and show it operating since 1863. With $705.55 billion in total assets on June 30, 2026, it ranks No. 6 of 4,232 U.S. banks by total assets. The Monterey Main Branch at 495 Washington St dates to 1984 in FDIC branch records. Its published hours do not list Saturday.
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Monterey Main Branch495 Washington St, 93940
All hours
Mon not published; Tue to Fri 9 am to 5 pm; Sat to Sun not published
Hours: U.S. Bank branch locator (All The Places), checked Oct 10, 2026
Wells Fargo Bank · 1
Wells Fargo has 1 branch in Monterey, 769 across California and 4,161 nationwide. FDIC records list its main office in Sioux Falls, SD and show it operating since 1870. With $1.91 trillion in total assets on June 30, 2026, it ranks No. 4 of 4,232 U.S. banks by total assets. The Monterey Branch at 399 Alvarado St dates to 1930 in FDIC branch records. Its published hours do not list Saturday.
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Monterey Branch399 Alvarado St, 93940
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: Wells Fargo branch locator (All The Places), checked Oct 10, 2026
West Coast Community Bank Bank · 1
West Coast Community Bank has 1 branch in Monterey, 11 across California and 10 nationwide. FDIC records list its main office in Santa Cruz, CA and show it operating since 2004. With $2.94 billion in total assets on June 30, 2026, it ranks No. 435 of 4,232 U.S. banks by total assets. The Monterey Branch at 300 Bonifacio Pl dates to 2007 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Monterey Branch300 Bonifacio Pl, 93940
Join a credit union in Monterey
2 credit unions have 3 offices here: Monterey Credit Union and Navy Federal Credit Union. Each office is listed above with the phone and the hours it filed with the NCUA (call report as of March 31, 2026). Who can join each one is on its own site; the credit unions in Monterey page has every office in the state's directory.
Banking in Monterey: the local picture
Short answer: 10 banks run 10 branches in Monterey according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.
Of the 10 banks, 1 has its main office in Monterey, 3 elsewhere in California and 6 out of state, according to the FDIC.
The bank with the longest record here is Chase, operating since 1824 according to the FDIC. In FDIC branch records, the longest-running branch is Bank of America's office at 200 E Franklin St, dating to 1924; the newest is BMO's at 1050 Del Monte Ctr, from 2010.
2 credit unions have 3 offices in Monterey, according to the NCUA. Who can join each one is on the credit unions page.
Of the 9 locations with published hours. 2 open on Saturday. 4 locations have no published hours in these sources.
Banks by ZIP code in Monterey
Offices grouped by the ZIP code in their FDIC or NCUA record.
Short answer: ZIP 93940 has the most bank and credit union offices in Monterey (12), followed by 93943 (1). Offices are spread across 2 ZIP codes.
| ZIP code | Offices | Institutions | Most offices |
|---|---|---|---|
| 93940 | 12 | 11 | Monterey Credit Union, BMO, Bank of America |
| 93943 | 1 | 1 | Navy Federal Credit Union |
Banks open on Saturday in Monterey
Short answer: 2 of the 9 Monterey locations with published hours open on Saturday, run by 2 institutions.
- Chase: 1 of 1 branch (291 Alvarado St: Saturday 9 am to 2 pm)
- Bank of America: 1 of 1 branch (200 E Franklin St: Saturday 9 am to 4 pm)
Credit union hours are the text each credit union filed with the NCUA, call report as of March 31, 2026; a day the filing does not mention is shown as not published, never as closed. Bank branches show hours only where the bank publishes them in a source this page uses; 4 of the 13 locations here have no published hours yet. The source and date sit under each office. Banks and credit unions often close on Federal Reserve holidays; call ahead.
Chase, Bank of America and other national banks
Which big national banks have branches in Monterey, and where the nearest one is if they do not.
Short answer: In Monterey: Chase (1), Wells Fargo (1), Bank of America (1), U.S. Bank (1), Fifth Third Bank (1), BMO (1). No branches in Monterey: PNC Bank (nearest in Campbell, 48 mi), Truist, Huntington, Regions Bank, TD Bank.
| Bank | In Monterey | Nearest branch if none here |
|---|---|---|
| Chase | 1 branch | here |
| Wells Fargo | 1 branch | here |
| Bank of America | 1 branch | here |
| U.S. Bank | 1 branch | here |
| Fifth Third Bank | 1 branch | here |
| BMO | 1 branch | here |
| PNC Bank | None | Campbell, 48 miles away |
| Truist | None | none in California |
| Huntington | None | none in California |
| Regions Bank | None | none in California |
| TD Bank | None | none in California |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Monterey to the nearest branch in California.
What your savings could earn
National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.
Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.
| Offer | Bank | APY | Term | Minimum |
|---|---|---|---|---|
| Savings | CIT Bank | 3.75% | none | $5,000 |
| Savings | Barclays | 3.50% | none | $0 |
| Savings | Marcus by Goldman Sachs | 3.40% | none | $0 |
| CD | Synchrony Bank | 4.35% | 60 Months | $0 |
| CD | Marcus by Goldman Sachs | 4.35% | 24 Months | $500 |
| CD | American Express National Bank | 4.25% | 10 Months | $0 |
Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Monterey residents like anyone else.
Banks near Monterey
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Pacific Grove (2 miles) and Seaside (3 miles). Salinas, 15 miles away, has the most banks nearby: 11.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Pacific Grove, CA | 2 mi | 4 | 4 |
| Banks in Seaside, CA | 3 mi | 3 | 3 |
| Banks in Carmel, CA | 4 mi | 5 | 8 |
| Banks in Marina, CA | 8 mi | 2 | 2 |
| Banks in Salinas, CA | 15 mi | 11 | 23 |
| Banks in Watsonville, CA | 23 mi | 7 | 8 |
| Banks in Aptos, CA | 26 mi | 6 | 6 |
| Banks in Capitola, CA | 26 mi | 7 | 7 |
Bank branch openings and closings in Monterey
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Monterey between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Banks and credit unions based in Monterey
Short answer: 2 institutions have their main office in Monterey: Monterey Credit Union and Monterey County Bank.
| Institution | Type | Total assets, March 31, 2026 | Offices here |
|---|---|---|---|
| Monterey Credit Union | Credit union | $357.0 million | 2 |
| Monterey County Bank | Bank | $300.4 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Monterey by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Monterey offices.
Short answer: Chase is the largest bank with offices in Monterey, with $4.09 trillion in total assets on June 30, 2026, No. 1 among U.S. banks by total assets. Bank of America is second with $2.65 trillion. 1 of the 10 bank is headquartered here. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Chase | $4.09 trillion | No. 1 | 1 | Columbus, OH |
| Bank of America | $2.65 trillion | No. 2 | 1 | Charlotte, NC |
| Wells Fargo | $1.91 trillion | No. 4 | 1 | Sioux Falls, SD |
| U.S. Bank | $705.55 billion | No. 6 | 1 | Cincinnati, OH |
| Fifth Third Bank | $299.18 billion | No. 14 | 1 | Cincinnati, OH |
| BMO | $254.97 billion | No. 16 | 1 | Chicago, IL |
| Mechanics Bank | $21.25 billion | No. 102 | 1 | Walnut Creek, CA |
| West Coast Community Bank | $2.94 billion | No. 435 | 1 | Santa Cruz, CA |
| Pacific Valley Bank | $653.3 million | No. 1,456 | 1 | Salinas, CA |
| Monterey County Bank | $300.4 million | No. 2,478 | 1 | Monterey, CA |
Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.
Banks in Monterey: FAQ
How many banks are in Monterey, CA?
Monterey has 10 banks with 10 branches and 2 credit unions with 3 offices, according to FDIC data as of September 5, 2026 and NCUA data as of March 31, 2026.
Which bank has the most branches in Monterey?
Chase, with 1. Bank of America has 1 and Wells Fargo has 1.
Is there a Chase in Monterey, CA?
Yes. FDIC data lists 1 Chase branch in Monterey as of September 5, 2026. The address and directions are under Chase above.
Is there a Bank of America in Monterey, CA?
Yes. FDIC data lists 1 Bank of America branch in Monterey as of September 5, 2026. The address and directions are under Bank of America above.
Is there a Wells Fargo in Monterey, CA?
Yes. FDIC data lists 1 Wells Fargo branch in Monterey as of September 5, 2026. The address and directions are under Wells Fargo above.
Is there a PNC Bank in Monterey, CA?
No. FDIC data lists no PNC Bank branch in Monterey as of September 5, 2026. The nearest is in Campbell, about 48 miles away in a straight line.
Which banks in Monterey are open on Saturday?
Chase and Bank of America publish Saturday hours for one or more Monterey locations. The Saturday section above lists each one with its hours. 4 of the 13 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Monterey?
Monterey Credit Union and Monterey County Bank have their main office in Monterey, according to the FDIC and the NCUA.
What is the oldest bank in Monterey?
Chase has the longest record among banks with a branch here: the FDIC shows it operating since 1824.
Which credit unions can I join in Monterey?
Monterey Credit Union and Navy Federal Credit Union have offices in Monterey. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Monterey in the past year?
FDIC branch records show no branch openings between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Where can I find more banks near Monterey?
Nearby cities with more banks include Pacific Grove, Seaside, Carmel. Pacific Grove is 2 miles away with 4 banks.
How we build this page
Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.
| Data | Source | License | Updated | Data as of |
|---|---|---|---|---|
| FDIC-insured banks: branches, main offices, total assets, dates established | FDIC BankFind Suite API | Public data (U.S. government) | Monthly import | Sep 5, 2026 |
| Credit union offices, phones and hours as filed with the NCUA, total assets | NCUA call report data | Public data (U.S. government) | Quarterly import | Mar 31, 2026 |
| Map coordinates of 2 credit union offices whose NCUA record has none, from the office address | U.S. Census Bureau Geocoder | Public data (U.S. government) | With each NCUA import | Oct 19, 2026 |
| Bank branch hours, phones and branch pages (6 of 10 branches: BMO, Bank of America, Chase, Fifth Third Bank, U.S. Bank, Wells Fargo) | The banks' own branch locators, collected by All The Places | CC0 (All The Places data); each bank's locator is the primary source | Weekly spider run, monthly refresh here | Oct 10, 2026 |
| Savings and CD rates, national averages | Banrox Bank Rates | Banrox, from the banks' own rate pages and FDIC national rates | Weekly | see each rate |
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