Clackamas County Bank logo

Clackamas County Bank in Sandy, OR

4.2/5

Community bank serving Clackamas County, Oregon since 1911, offering personal and business checking, savings, CDs, loans, and digital banking services.

Data compiled from public sources · Rating from CreditDoc methodology

Clackamas County Bank Review

Clackamas County Bank has operated as a community financial institution since 1911, establishing itself as a local presence in the Portland metropolitan area. The bank serves both personal and business customers across four physical locations in Sandy, Hoodland, Boring, and Gresham, Oregon. The bank offers a comprehensive suite of retail banking products including personal and business checking accounts, savings accounts, certificates of deposit (CDs), and lending services.

Their digital offerings include 24-hour online banking with bill payment capabilities, mobile banking via their CCB Mobile Banking App, mobile check deposit, e-statements, and text banking alerts. 55 each. They also feature a Lucky Rewards program tied to debit card usage.

Clackamas County Bank distinguishes itself through its long community history, local branch presence in smaller Oregon communities, and integrated digital services that allow customers to manage accounts via multiple channels. The bank emphasizes accessibility through multiple contact methods, including a dedicated online banking support line (844-445-8225), and provides financial calculators and educational resources on their website. As a traditional community bank, Clackamas County Bank is best suited for customers who value local branch access, personalized service, and community connection alongside digital convenience.

The website content is limited regarding specific account fees, interest rates, loan terms, and minimum balance requirements, which are typical considerations for prospective customers evaluating banking relationships.

Services & Features

ATM access and location services
Bill payment service ($0.55 per transaction after 10 free monthly payments)
Business checking accounts
Certificates of Deposit (CDs)
Debit card rewards program (Lucky Rewards)
E-statements with 24-month online retention
Mobile banking app with check deposit, balance checks, and transfers
Mobile check deposit capture
Online banking with 24-hour account access
Personal and business loans
Personal checking accounts
Savings accounts
Text banking and account alerts

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • Mobile check deposit available through free CCB Mobile Banking App—deposit checks without visiting a branch
  • Four physical branch locations across Clackamas County for in-person service
  • 24-hour online banking with account access, check images, and transaction history
  • First 10 bill payments per month included free through online bill pay service
  • Free mobile banking app with balance checks, fund transfers, and ATM locator
  • Long operational history since 1911 with established community presence
  • Debit card rewards program (Lucky Rewards) for everyday purchases
  • Free e-statements with 24-month online access and downloadable option

Cons

  • Website lacks specific information on checking account fees, minimum balances, and interest rates
  • Limited loan product details—no specific rates, terms, or eligibility criteria disclosed online
  • Smaller bank may have fewer ATM locations than national or larger regional banks
  • No mention of online account opening—may require in-person visit to open accounts
  • Additional bill payment fee of $0.55 per transaction beyond 10 free monthly payments

Rating Breakdown

Value
5.0
Effectiveness
3.7
Customer Service
3.8
Transparency
4.0
Ease of Use
4.5

Mortgage Lending Transparency

Clackamas County Bank processed 40 mortgage applications in 2023, approving 92.5% of applicants across 2 states.

40

Applications

92.5%

Approval Rate

$778K

Avg Loan

2

States Served

Approval Rate by Applicant Income

Under $50K
66.7%
$50K–$100K
100%
$100K–$200K
100%
Over $200K
87.5%

Based on 40 applications. Income in thousands (reported by applicant).

Top Lending States

Oregon 38 apps · 89.5%
Washington 2 apps · 50%

Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.

Frequently Asked Questions

Is Clackamas County Bank legitimate?

Yes. Clackamas County Bank is a registered company, headquartered in Sandy, OR, founded in 1911.

How long does Clackamas County Bank take to show results?

Account opening typically takes 1-3 business days. Loan decisions vary by product.

Quick Facts

Founded
1911
Headquarters
Sandy, OR
BBB Accredited
No
Certifications
FDIC Insured FDIC Cert #9486
Starting Price
Contact provider
Setup Fee
None
Money-Back Guarantee
No
Visit Clackamas County Bank

CreditDoc Diagnosis

Doctor's Verdict on Clackamas County Bank

Clackamas County Bank is best for Oregon residents in the Clackamas County area who prefer local community banking with established relationships and digital convenience through mobile and online platforms. Primary caveat: the website provides minimal transparency on specific account fees, interest rates, and loan terms, requiring direct contact with branches for detailed pricing information before opening accounts.

Best For

  • Clackamas County residents seeking local branch service and community banking relationships
  • Small business owners needing business checking and localized loan services
  • Digital-savvy customers who want mobile banking convenience with physical branch backup
  • Customers seeking to support local community financial institutions
Updated 2026-05-08

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