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Keep your finances organized

Silvergate offers personal checking and savings accounts as a courtesy to individuals who already have commercial loans or bank accounts with us. Only certain clients are eligible for these services, so please speak to your Silvergate representative to learn more.

Silvergate Checking:

*ATM terminal owner fees may apply.


Elite Checking:

*Avoid the $10 monthly maintenance fee by maintaining a $2,000 minimum average daily balance or $25,000 of combined balances in personal and business accounts. Deposit accounts owned by the tax reporting owner, joint owner, or principal owner of a business are eligible for calculation of combined balance.

**ATM terminal owner fees may apply.

*** Fees may reduce earnings.


Relationship Checking:

*Avoid the $25 monthly maintenance fee by maintaining a $5,000 minimum average daily balance or 1 monthly direct deposit.

**ATM terminal owner fees may apply.


Tiered Regular Savings:

*Avoid the $4 monthly maintenance fee by maintaining a $500 minimum average daily balance. Fees may reduce earnings.


Money Market:

*Avoid the $15 monthly maintenance fee by maintaining a $1,000 minimum average daily balance. Fees may reduce earnings.


Relationship Money Market:

*Avoid the $15 monthly maintenance fee by maintaining a $1,000 minimum average daily balance. Fees may reduce earnings.


Online Banking

Enroll Now

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Access your accounts whenever you like with online banking. This service lets you check balances, transfer funds, pay bills, and more — anytime, anywhere you can get online. You can easily upload your account info to personal finance software for better budgeting. Spend less time sitting in traffic — start banking from the comfort of home. Contact us today to get started.

  • Secure and easy-to-use service for personal customers
  • Manage a number of banking activities anytime, anywhere with internet access:
    • Access eStatements
    • View account balances and history
    • Transfer funds between accounts (one-time & recurring transfers)
    • Customize alerts
    • And more!
  • Make more time for yourself; fewer bank trips necessary
  • Print or download to popular financial management software
  • Download the Silvergate Mobile Personal mobile banking app:

Mobile Banking and Mobile Deposit

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Accessing your Silvergate Bank account is easier than you think. Use your smartphone or tablet* to access your account — anytime, anywhere — with the Silvergate Mobile Personal app. View account balances, transfer funds, deposit checks, and more. At home or out and about, mobile banking puts you in touch with your money.

  • Fast and secure service for customers enrolled in online banking*
  • Easily keep track of your finances on the go:
    • View account balances
    • Review transaction history
    • Transfer funds between accounts
    • Deposit checks*
    • Pay bills
    • And more!
  • Available via any web-enabled cell phone or device
  • Download the Silvergate Mobile Personal mobile banking app:

Mobile Banking and Mobile Deposit:

*Wireless carrier data rates may apply. Available for smartphones and iPad tablet devices (iPhone®, iPad®, Android®) Message and Data rates may apply.

iPhone® is a registered trademark of Apple Inc. All rights reserved.

Android™ is a trademark of Google Inc. Use of this trademark is subject to Google Permissions.

Mobile App FAQs

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HOW DO I SIGN INTO THE MOBILE APP?

  1. Before signing into the mobile app, you must first successfully sign into the desktop version of our website.
  2. Business clients: Enter your Company ID and User ID.
  3. Consumer clients: Enter your User ID.
  4. Enter your password.

WHAT FEATURES ARE AVAILABLE WITH MOBILE BANKING?

  1. View account balances
  2. Review transaction history
  3. Transfer funds between your Silvergate Bank accounts
  4. Pay bills
  5. Deposit checks
  6. Find Silvergate Bank business centers

WHAT DEVICES ARE COMPATIBLE WITH THE MOBILE APP?

Available via any web-enabled cell phone or device.

WHAT IF I GET LOCKED OUT FROM THE MOBILE APP?

Contact Cash Management at 858-362-3317 Monday through Friday 8:00 AM PST to 5:00 PM PST.

HOW DO I MAKE A MOBILE DEPOSIT?

  1. Sign on to your Silvergate Bank mobile app.
  2. Select the plus sign in the bottom center of the screen.
  3. Select “Deposit”.
  4. Endorse the back of your check with the verbiage “For Mobile Deposit Only at Silvergate Bank”.
  5. Take a picture of the front and back of your check.
  6. Select the account where you want to deposit your check.
  7. Enter the check amount.
  8. Approve deposit.
  9. You will receive an email confirmation that your mobile deposit was successful.

WHAT IF MY CHECK AMOUNT IS HIGHER THAN MY DAILY LIMIT?

Contact your Business Banking Center.

WHEN WILL MY FUNDS BE AVAILABLE?

Deposits processed and approved before 4:00 PM PST on a business day will be available the next business day. Deposits processed after 4:00 PM PST or on a non-business day or federal Holiday will be processed the next business day.

I RECEIVED AN ERROR STATING THAT THE CHECK IMAGE COULD NOT BE UPLOADED. WHAT SHOULD I DO?

Retake the picture by placing the check on a flat surface with a dark background and in an area with enough lighting. Ensure the image is within the preview frame before retaking the picture.

WHAT DO I DO IF THE APP ISN’T RESPONDING PROPERLY?

  • Check to make sure there are no pending updates for this app.
  • Close out of the app completely and re-launch.

If the above steps do not resolve the issue:

  • Delete the app.
  • Clear browser history from mobile device.
  • Re-install application
  • Restart mobile device.

HOW WILL I KNOW IF THERE IS A PROBLEM WITH MY DEPOSIT AFTER IT HAS BEEN SUBMITTED?

You will receive an email that the deposit has been declined and a representative from your business banking center will reach out as well.

WHAT TYPE OF CHECKS CAN I DEPOSIT?

You can deposit checks payable in U.S. dollars and drawn at a U.S. bank.

HOW DO I DO AN INTERNAL TRANSFER?

  1. Sign into your Silvergate Bank mobile app.
  2. Select the plus sign in the bottom center of the screen.
  3. Select “Transfer”.
  4. Select “Transfer From” to choose which account the money will come from.
  5. Select “Transfer To” to choose which account the money will go to.
  6. Select “Amount” to enter the dollar amount of the transfer.
  7. Approve transfer.

HOW DO I PAY A BILL?

You must already have bill pay payees setup. You can do this through the desktop version of our website.

  1. Sign into your Silvergate Bank mobile app.
  2. Select the plus sign in the bottom center of the screen.
  3. Select “Pay Bill”.
  4. Select a payee from the list of payees.
  5. Select “Pay From” to choose which account the money will come from.
  6. Select “Send On” to choose the date the payment will send on.
  7. Select “Amount” to enter the dollar amount of the payment.
  8. Select “Memo” to type a memo for the payment (this is optional).
  9. Approve payment.

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