Business Banking

No matter what business you are in, Poppy Bank can tailor a package of products and services to easily meet your business needs.

We put your excess funds to work and help balances grow. We offer programs to keep larger sums on deposit while maintaining the safety of FDIC Insurance on your total balance. Our check imaging service will provide you with the ability to view scanned images of cleared checks through our online banking program.

Below is a variety of products and services you can find beneficial for your business:

Business Checking and Savings Accounts

Account OptionBusiness CheckingBusiness Interest CheckingBusiness SavingsBusiness Super SavingsBusiness Money Market
*Annual Percentage Yield n/a 0.05% APY* 0.10% APY* 0.85% APY* 0.10% APY*
Minimum Deposit $500 $500 $200 $10,000 $2,500
Daily Minimum Balance Required to Waive Monthly Service Charge: $2,500 $2,500 $300 $10,000 $5,000
Daily Minimum Balance Required to Earn Interest** (not interest bearing) $500 No minimum (Tiered rate based on balance) No minimum (Tiered rate based on balance) $5,000
Service Charge: $10 $12 $2 $2 $15
Transaction Limitations: Deposits and checks paid exceeding 100/$0.25 per item Deposits and checks paid exceeding 100/$0.25 per item 6 electronic withdrawals per month 6 electronic withdrawals per month 6 electronic withdrawals or checks per month
Online Wires Available Yes Yes No No No
Free Online Account Access Yes Yes Yes Yes Yes
Free Bill Pay Yes Yes N/A N/A N/A

*Annual Percentage Yield (APY) assumes all principal remains on deposit for 365 days. Interest will be compounded daily and paid monthly. Fees, or withdrawals of principal or interest, could reduce earnings. All rates effective as of December 7, 2018. For current rate information call (888) 636-9994.

**Interest rates are variable and are based on the balance in the account. Annual Percentage Yield (APY) is subject to change without notice.

Contact us to open an account

Online Banking

For the busy business owner, convenient, expedited methods of banking are a must. With Poppy Bank’s online banking, your bank is always at your fingertips, just a click away. Our online cash management solutions will allow you to quickly assess, monitor and resolve your cash flow needs twenty-four hours a day, seven days a week.

  • Accurate, Up-To-Date Account Information
  • Export Data To Spreadsheets And Money-Management Programs
  • Bill Payment Feature
  • Account Reconciliation Downloaded To Your Accounting System
  • Automatic And On-Line Loan Payments
  • Check Orders
  • Funds Transfers
  • Wire Transfers
  • Remote Deposit Capture
  • Stop Payments
  • ACH Origination
  • Positive Pay

Contact us if you have more questions. Fill out our Online Application to get started.

Security and Browser Requirements

Security Issues:

To help maintain security, you should close your browser when you have completed your Internet banking session. This will help prevent unauthorized persons from viewing your private account information.

Never share your password.

Browser Requirements

To help ensure security and proper functionality, you must use a browser that meets or exceeds the following requirements:

  • 128 bit encryption
  • You must have Cookies and JavaScript enabled
  • We support the latest browser versions of Internet Explorer, Google Chrome, Firefox, Safari, and Opera.

We recommend you update your browser to the latest version. With our new website update, we’d like to remind you to update your browser. Updating your browser ensures you have the most up-to-date security and performance. New browsers have many advantages:

  • Newer browsers have updated security against the most recent security risks. With an up-to-date browser, malicious websites have a tougher time accessing and damaging your computer through your browser
  • Bugs are constantly being fixed and updated to provide a cleaner, sleeker, faster user experience
  • Newer technologies allow you to use more features easier
  • Older browsers may not be supported by some websites

Business Services

As you probably know, your most frequently accessed business tools are your checking and savings accounts. No matter what business you are in, Poppy Bank can tailor a package of products and services to easily maintain your cash management needs.

We have processes to put your excess funds to work and help your balances grow. In addition, we offer programs to give you the ability to keep larger sums on deposit while still maintaining the safety of FDIC Insurance on your total balance. Our check imaging service will provide you with the ability to view images of your cleared checks through our online banking. For a minimal fee, we can produce a CD monthly with this information.

Merchant Services

Poppy Bank offers the following Merchant Services through a trusted partner:

  • Processing Of Visa, AMEX, MasterCard, And Discover
  • Clover Suite Of Point-Of-Sale Products
  • Traditional And Mobile Terminal Solutions
  • Virtual Terminals
  • E-Commerce Tools For Online Shopping Carts
  • Detailed Merchant Statement
  • Product Specific Reporting
  • Annual 1099 Reporting
  • ACH/Check Imaging
  • Payroll And Gift Card Services
  • 24 Hour Technical Help Desk
  • QuickBooks Integration Through Online Statements

ACH Origination

Poppy Bank’s Automated Clearing House (ACH) Network* is a highly reliable and efficient electronic funds transfer system that will significantly enhance the ease of doing business for your company.

ACH Network features include:

  • Direct Deposit of payroll for your employees
  • Direct payment of bills such as mortgages, loans, utility bills and insurance premiums
  • Business-to-business payments
  • Automated collection of regularly scheduled payments to your business, such as homeowners fees or health club dues

*Automated Clearing House (ACH) — The ACH is a network of regional associations, inter–bank associations, and private–sector processors. ACH payments are processed and settled electronically, thereby increasing reliability, efficiency and cost effectiveness. ACH payments are generally settled in one day or greater.

Business Credit Cards

No matter which card you choose, you’ll enjoy important features like:

  • Award-winning expense management tools
  • Free employee cards
  • Valuable purchase rewards
  • Earn Valuable Rewards
Earn cash back1 every time you use your card: 3% on office supply store net purchases and phone/internet services, 2% on restaurant and gas net purchases, and 1% on all other eligible net purchases, plus get $25 cash back after your first purchase. Watch your rewards add up fast with 1 point for every $1 you spend on eligible net purchases, and receive automatic bonus points each month, plus get $25 cash back1 after your first purchase. Watch your rewards add up even faster with 1 point for every $1 you spend on eligible net purchases, and receive even more automatic bonus points each month, plus get $50 cash back1 after your first purchase – all with a low annual fee.
apply for a business cash card apply for a Business bonus rewards card apply for a business bonus rewards plus card

1 – Reward points can be redeemed as a cash deposit to a checking or savings account or as a statement credit to your credit card account. First purchase bonus points will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances.

The creditor and issuer of these Cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., MasterCard International Incorporated, and American Express. MasterCard is a registered trademark of MasterCard International Incorporated. American Express is a federally registered service mark of American Express.

Business and Commercial Lending

At Poppy Bank, we understand that every business is unique. Cash flow demands, capital requirements and business plans are exclusive to each business. Poppy Bank offers a full line of commercial lending products designed to meet your specific business needs. From the small manufacturer to the commercial real estate developer, we have the expertise to customize a solution to help your business prosper.

We also offer SBA real estate loans, under both their 7(a) and 504 loan programs. As an SBA Preferred lender our real estate lending team is experienced, and will work with you to customize our programs to fit your individual wants and needs. Tired of having your real estate loan request put “into a box”? Give Poppy Bank’s flexible approach to lending a try!

Small Business Lending

Poppy Bank offers business owners our lending and financing expertise. Whether you’re expanding, refinancing debt or starting a new venture—we’re interested, experienced and focused on your success. If you have new opportunities and can benefit from improved cash flow, please contact us.

Small Business Lending Programs:

  • SBA 7(a) loans for the purchase or refinance of owner occupied commercial real estate, start-up business and expansion of existing business operations. These may include specialty property and other loans that may not qualify for conventional financing.
  • SBA 504 loans primarily used to finance owner occupied commercial real estate.
  • USDA loan programs are similar to the SBA programs however they are used to finance projects in rural communities where the population is 50,000 or less.
  • SBA Express loans are lines of credit, equipment and/or inventory expansion up to $250,000.

Find a Loan Officer

Commercial Lending

Commercial Lending Programs:

  • Commercial Real Estate for the purchase or refinance of commercial property, including industrial, retail and office.
  • Multi-family financing.
  • Lines of Credit – Typically revolving lines of credit for inventory purchases, supplemental cash flow or receivable financing.
  • Equipment loans for the purchase of new or used equipment for your business.
  • Construction loans for commercial buildings including office, retail, multi-family and industrial.

Find a Loan Officer

Small Business Lenders

Wayne Wirth

SVP, Director Small Business Lending

Mr. Wirth has 33 years of lending experience. He specializes in assisting clients in all industries to secure Small Business Loans to meet their business and personal goals. Mr. Wirth’s focus is on facilitating the acquisition, development and refinancing of commercial real estate, equipment financing, business acquisition loans, along with financing other business needs.

Office: (916) 945-2157
Cell: (818) 426-3565

Steve Alkana

VP, Small Business Loan Officer

Mr. Alkana has nearly 25 years of small business lending experience. His specialty includes USDA lending with special expertise in flagged hotels up to $12 Million. He also prides himself on getting USDA B&I loans done right and fast.

Cell: (503) 317-1511

Andrew Chambers

VP, Small Business Loan Officer

Andrew Chambers has 14 years of SBA, USDA and CRE lending experience as well as SBA underwriting experience. His areas of expertise include hospitality, gas stations, auto-use, and industrial/retail properties. He has a proven track record and takes great pride in closing loans as quickly and painlessly as possible.

Cell: (707) 293-5167

Patrick Hatten

VP, Small Business Loan Officer

Mr. Hatten has 25 years of lending experience. His specialty includes assisting clients secure small business loans in the hotel and lodging industries. Hatten focuses on business acquisitions and expansion though he is able to help clients from any industry.

Office: (480) 346-1218
Cell: (602) 885-1080

Michael Johnson

VP, Small Business Loan Officer

Mr. Johnson has over 25 years of lending experience and has a successful track record of funding business acquisitions and commercial real estate via SBA 7a, SBA 504, and USDA programs. He is industry agnostic, enjoys working on complicated loan requests, and specializes in expediting loan requests. Michael received his MBA in Finance from Northwestern University.

Office: (919) 719-3939
Cell: (312) 543-2111

Paul Ko

VP, Small Business Loan Officer

Mr. Ko is a CPA and loan officer with hands-on experience in SBA7A, 504 & USDA loans, financial reporting, underwriting, credit risk, and accounting. His areas of expertise include the hospitality industry and gas stations with C-Store, along with other special purpose property types.

Cell: (425) 344-6993

Christy Lester

VP, Small Business Loan Officer

Ms. Lester has more than 23 years of experience in SBA lending and wealth of knowledge in commercial financing, specifically within the SBA and USDA B&I arena. She has consistently been a top producer throughout her SBA career and has been recognized as an influential member of the SBA lending community.

Office: (951) 303-9990
Cell: (951) 515-9212

Ryan Marsh

VP, Small Business Loan Officer

Mr. Marsh has over 15 years of experience advising small business owners in their lending needs. He prides himself on listening to his clients and helping them find a loan structure that best suits their situation. His specialties include SBA 7a and 504 as well as USDA programs. He has experience in a wide variety of industries including assisted living, gas stations/convenience stores, and manufacturing.

Cell: (801) 616-1263

Kevin Rappleye

VP, Small Business Loan Officer

Mr. Rappleye has more than 25 years of small business lending experience with an emphasis on SBA guaranteed loans. He has extensive experience in lending within the hospitality and RV park industries, along with other special purpose property types.

Office: (916) 740-1557
Cell: (916) 709-1564

Patrick Bishop

Associate SBL Loan Officer

Mr. Bishop has over three years of experience in small business lending dealing with a variety of industries. Prior to joining the Bank, Mr. Bishop served as a Credit Underwriter specializing in SBA 7A and 504 lending. In addition to SBA underwriting, he has held positions in business development and credit analysis. Patrick received his Bachelor’s Degree in Business Administration with an emphasis in Management from San Diego State University, California.

Office: (951) 303-9990
Cell: (951) 813-5730

Business and Commercial Lenders

Janet Connors

SVP, Real Estate Loan Officer

Ms. Connors has more than 25 years of lending experience. Her specialty includes assisting clients to secure financing for the acquisition or refinance of various types of commercial real estate including self-storage, office, MHP, retail, industrial and other special purpose properties, as well as business loans and lines of credit to meet their goals. She also focuses on affordable housing and sustainability/green energy financing.

Office: (707) 636-9066
Cell: (707) 888-1497

Jonathan Graves

VP, Commercial Loan Officer

Mr. Graves has 11 years of lending experience. He focuses on commercial real estate lending. Graves works with businesses looking to purchase real estate as well as real estate investors looking to start or add to their portfolio.

Office: (707) 636-9057
Cell: (707) 953-1380

Barbara Larson

VP, Commerical Loan Officer

Ms. Larson has 20 years of banking and 13 years of lending experience. Her specialty includes assisting clients in obtaining commercial business lines of credit and term loans. She also works with clients to assist them in obtaining SBA 7A loans in most industries.

Office: (707) 636-9711
Cell: (707) 291-1344

Evelynn Porter

VP, Commercial Loan Officer
NMLS ID# 798471

Ms. Porter has more than 20 years of banking experience with 16 years as a loan officer. She specializes in small-to-medium sized businesses that are growing or stabilizing. Clients she manages range from steel fabrictors to wineries and real estate investors.

Office: (707) 636-9748
Cell: (707) 337-6434

Scott Shapiro

VP, Commercial Loan Officer

Mr. Shapiro has a 15-year career in commercial finance. He specializes in all forms of commercial lending (including SBA) for real estate, equipment, tenant improvement, and working capital needs. His typical clients are small- and medium-size businesses with a particular focus in the food, wine, healthcare, franchise, and craft beer industries as well as commercial property investors.

Office: (707) 636-9745
Cell: (707) 721-2052

Tina Sweet

Residential Real Estate Loan Officer
NMLS ID# 1046876

Ms. Sweet has more than 20 years of residential lending experience. She has a strong underwriting and compliance background and specializes in residential lending. Her main focus is currently assisting homeowners with construction financing as a result of the October 2017 wildfires. With her in-depth knowledge of the mortgage banking industry, she has been very successful in assisting clients with creative finance solutions.

Office: (707) 636-9046
Cell: (707) 292-1528

How can we help you?
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