Personal Banking


Your checking account puts you in contact with The State Bank of Pearl City and Mount Carroll Banking Center far more often than any other bank transaction you might do. It’s a great opportunity to build relationships that can last a lifetime.

Our bank staff understands your needs and questions that may come up as you and your family’s personal circumstances take new directions. We like to give our customers great service with a handshake and a smile.

You’re looking for solutions and the convenient banking options that we offer are designed to meet your financial needs. What we do… is all about you!


Online Banking

Online banking at The State Bank of Pearl City and the Mount Carroll Banking Center offers a convenient way for you to securely access your accounts. With your personal user name and password, you can make payments, check your balance or make transfers through our bank website – anytime, anywhere you go.

You’re safe to send & receive secure messages with the bank concerning your accounts. If you’re set up with budgeting software, such as QuickBooks or Quicken, it’s easy to download account information. Ask us how! It’s a great way to access convenient user services.

Free Online Bill-Pay

Our customers today are using online banking to pay every bill imaginable – mortgages, loans, credit cards, tuition, you name it. Save time and money on postage, envelopes and avoid late fees. The State Bank of Pearl City does not charge for Online Bill-Pay.


Telephone Banking

Telephone Banking at The State Bank of Pearl City is available anytime, anywhere for our customers at no cost. Check balances on your accounts, make transfers of funds between accounts and receive other bank information from your phone. Call toll-free: 888-231-9603.

SBPC Hometown Checking Account

Hometown Checking at The State Bank of Pearl City is FREE! Opening and maintaining a free personal checking account is easy with unlimited check-writing features:

You don’t need a minimum balance and your first 200 checks are also FREE! Get 24-hour account access and “go green” by paying bills online


SBPC Money Market Advantage Account

Why not enjoy the added advantage of earning interest on your checking account? Open your SBPC Money Market Checking Advantage Account with a minimum deposit of $1,000.00 with interest compounded and paid monthly. Watch your balance grow!

Yes, your first 200 checks are FREE! Convenient 24-hour account access and pay your bills online. Note that transfers or withdrawals are limited to six per month and special rules may apply.