Bank On + UnidosUS in California

Find a low-cost and easy to use bank account

Get your money faster and safer by opening a no-overdraft Bank On certified account now!

No overdraft, no surprise fees, and easy tools to manage your money. Open a Bank On certified bank now!


We are working with Cities for Financial Empowerment Fund, Community Action Board Santa Cruz County, Inc. and Self-Help Enterprises to connect Salinas and Watsonville, CA, residents to safe bank accounts.

What are the benefits of the a Bank On Certified account or credit union account?

  • You can open your own affordable, safe and certified bank account any time, online or in person.
  • Nationally certified Bank On accounts have no overdraft fees.
  • Most Bank On accounts cost $5 per month or less .
  • You can use your Bank On account to manage your money and pay bills at no cost.

Step-by -step Instructions

STEP 1: Pick a bank from the list below

STEP 2: Follow the bank’s instructions to open an account online, or go to your local branch to open an account in person.

STEP 3: Use your account to direct deposit funds, pay bills, and manage your money.

Financial Institutions in Salinas and Watsonville, CA offering Bank On certified accounts are listed below. Just look for the Bank On Certified Seal.

Bank of America SafeBalance Banking

  • 1010 E Alisal St., Salinas, CA 93901
  • 405 Main St., Salinas, CA 93901
  • 800 Northridge Shopping Ctr, Salinas, CA 93906
  • 567 Main St., Watsonville, CA 95076

BMO Smart Money Checking

  • 1050 Del Monte Center, Monterey, CA 93940  

Chase Secure Banking Account   

  • 425 Main St., Salinas, CA 93901
  • 1590 N Main St., Salinas, CA 93906
  • 1596 Constitution Blvd., Salinas, CA 93905
  • 630 Main St., Watsonville, CA 95076


For more information, you can call 831-471-7766. For more information on Bank On, visit

Mechanics Bank Bank On Account

  • 307 Main St. Suite 200, Salinas, CA 93901
  • 1285 N Davis Rd., Salinas, CA 93907
  • 1915 Main St., Watsonville, CA 95076

U.S. Bank Safe Debit Account 

  • 1001 S Main St., Salinas, CA 93901
  • 1890 N Main St., Salinas, CA 93906
  • 655 Main St., Watsonville, CA 95076

Wells Fargo Clear Access Banking     

  • 456 S Main St., Salinas, CA 963901
  • 1546 N Main St., Salinas, CA 93906
  • 1037 S Main St., Salinas, CA 93901
  • 820 Northridge Shopping Ctr. Salinas, CA 93906
  • 326 Main St., Watsonville, CA 95076





This project is made possible with generous support from Wells Fargo. 

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