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 OptionPoppy Cares Checking***Business CheckingBusiness Interest CheckingBusiness SavingsBusiness Money Market
Minimum Deposit $500 $500 $500 $200 $2,500
Daily Minimum Balance Required to Waive Monthly Service Charge: No minimum balance required $2,500 $2,500 $200 $5,000
Daily Minimum Balance Required to Earn Interest** Not interest bearing Not interest bearing $500 No minimum (Tiered rate based on balance) $5,000
Interest Frequency N/A N/A Compounded Daily Paid Monthly Compounded Daily Paid Monthly Compounded Daily Paid Monthly
Monthly Service Charge: $0 $10 $12 $2 $15
Transaction Limitations: Deposits and checks paid exceeding 100/$0.25 per item 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 or checks per month
Online Wires Available Yes Yes Yes No No
Online Account Access No Monthly Service Charge Yes Yes Yes Yes Yes
Bill Pay No Charge Yes Yes Yes N/A N/A
Cash Handling Cash deposited/supplied exceeding $5,000 per month/$1.00 per $1,000 Cash deposited/supplied exceeding $5,000 per month/$1.00 per $1,000 Cash deposited/supplied exceeding $5,000 per month/$1.00 per $1,000 Cash deposited/supplied exceeding $5,000 per month/$1.00 per $1,000 Cash deposited/supplied exceeding $5,000 per month/$1.00 per $1,000

Refer to the Business Schedule of Fee & Charges Disclosure for additional fees that may apply to your account. To obtain the annual percentage yield (APY) refer to the Deposit Account Rates sheet to determine the minimum balance you must maintain in your account for 365 days to obtain the annual percentage yield disclosed in each tier.

*Savings and Money Market Accounts are allowed up to six (6) covered transfers per calendar month (including pre-authorized debits, online banking transfers, payments to thrid parties, telephone transfers, and point of sale transactions). There is no limit to the number of withdrawals made in person, by messenger, mail or phone. In the case of phone initiated, mail, and messenger withdrawals, the requested amount must be delivered by mail in a check made payable to the account holder. Excessive Activity: More than six (6) covered transfers per calendar month will incur a $5 fee per transaction. For checks written to third parties, the date of posting is used to determine excessive activity.

**Poppy Bank Merchant Checking monthly service charge will be waived with an active enrollment in Merchant Card Services with Poppy Bank's preferred vendor, UMS.

***Poppy Cares Checking for community non-profit organizations only.

Effective Date November 20, 2020 www.poppy.bank | (888) 636-9994 Equal Housing Lender/FDIC Logo

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.

Contact us if you have questions.

  • 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

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

Choose from our popular business credit card options such as low rate, cash back or flexible rewards to find the one that works best for your business. No matter which card you choose, your business will benefit from important features like:

  • Free online expense reporting tools
  • No fee for additional employee cards
  • Mobile payment capability for added convenience
  • Cardmember Service available 24 hours a day/365 days per year
LEARN MORE APPLY FOR A BUSINESS CREDIT CARD MANAGE YOUR CREDIT CARD

The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Treasury Management

At Poppy Bank, we take pride in our hands-on approach with our Treasury Business Clients to ensure we deliver what our customers need most. We understand the nature of each individual business structure and design a comprehensive and competitive plan ensuring efficiency and a smooth onboarding experience.

While taking into consideration the competitive nature of the industry, we provide an exclusive approach to each business, individually delivering a full scope of Treasury Management products and services.

Poppy Bank is pleased to offer the following services to our Treasury Management customers:

  • Wire Transfer
  • Remote Deposit Capture (RDC)
  • Automated Clearing House (ACH)
  • Lockbox
  • Smart Safes
  • Positive Pay
  • Armored Cash Services

Meet Our Treasury Management Team

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.

Paycheck Protection Program

Poppy Bank is here as a resource for our community and is proudly accepting Second Draw PPP loan applications to help local businesses keep their doors open. Second Draw PPP Loans can be used to help fund payroll costs, including benefits. Funds may also be used to pay for mortgage interest, rent, utilities, worker protection costs related to COVID-19 and certain supplier costs and expenses for operations. For more information or to request an application please contact us today at PoppyCARES@poppy.bank

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

Commercial Property Assessed Clean Energy
(C-PACE) Financing

A New Solution to Bring You More Liquidity

Poppy Bank is pleased to offer Commercial Property Assessed Clean Energy financing for energy-efficient and renewable energy projects. C-PACE financing may cover up to 100% of project expenses with up to 30 year terms and interest-only options.

We work with building owners, developers, and investors to provide the best solutions for energy-efficient and environmentally sustainable building enhancements that can bring more liquidity, improve cash flow, reduce energy consumption, and promote job generation.

Learn More About Poppy Bank's C-PACE Programs

Treasury Management

Ester Isakova

SVP, Head of Treasury Managment

Ms. Isakova has over twenty years of experience in the financial industry with focus in Treasury Management. Prior to joining Poppy Bank, she served for three years as the Vice President, Commercial Banking Treasury Manager at another financial institution, where she oversaw the state of California and worked cohesively with Compliance, Commercial Lending, Wealth Management, and the Analytics department within Treasury. Ms. Isakova received her Bachelor of Arts degree in Business Communication with emphasis in Law from University of California at San Diego.

Cell: (415) 810-0795
Email: eisakova@poppy.bank

Danyal Eaglin

VP, Treausury Management & Business Development

Mr. Eaglin has been in the banking industry for over seventeen years working in several roles ranging from Branch Manager to Commercial Relationship Manager. For the past year he has been with Treasury Services as a Business Development Officer. Outside of work Danyal enjoys spending time with his children on the golf course.

Cell: (916) 297-0165
Email: deaglin@poppy.bank

Denise Murillo

VP, Treasury Managment & Business Development

Ms. Murillo has held various sales positions during her 15-year banking career. She specializes in Treasury Management sales as well as Portfolio Management and consults with clients on solutions for their complex business needs. She holds a Masters degree in Management from the University of Redlands and a Bachelor’s degree in Business Administration. In her free time, she enjoys going to the beach and travelling with family and friends.

Cell: (714) 366-8226
Email: dmurillo@poppy.bank

Small Business Lenders

Wayne Wirth

SVP, Small Business Lending

Mr. Wirth oversees Poppy Bank's Small Business Lending Division and 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
Email: wwirth@poppy.bank

Joan Earhart

SVP, SBL Regional Manager

Ms. Earhart has over 30 years of experience lending to businesses of all sizes and types. SBA 7a and 504 real estate lending is her specialty, from professional practices to manufacturers, special purposes properties to office and industrial properties. She has worked closely with the SBA to improve their loan programs and prides herself on making the process as quick and easy as possible.

Cell: (714) 813-0142
Email: jearhart@poppy.bank

Yvonne Santos

VP, SBL Regional Sales Manager

Ms. Santos has over 20 years of commercial lending experience from large banking institutions to community lending. Yvonne brings credit expertise from a wide range of industries. With a niche in SBA lending she works to set standards for businesses to utilize the 504 and 7a products to grow their business. She has a Bachelors of Science in Business Administration from the University of Southern California.

Cell: (323) 896-0213
Email: ysantos@poppy.bank

Mario Campbell

VP, SBL Loan Officer

Mr. Campbell has more than 35 years of experience in the banking industry, with more than 20 of those years specializing in the SBA 7(a), 504 and USDA lending arenas. His strong communication skills have created lasting relationships and provided consistent success in closing loans. His main focus is providing business owners with the opportunity to grow their businesses in all types of industries, including ground-up construction.

Office: (800) 701-6663
Cell: (973) 417-5091
Email: mcampbell@poppy.bank

Scott Johnson

VP, SBL Loan Officer

With more than a decade of commercial lending experience, Mr. Johnson has helped numerous business owners achieve their goals by utilizing SBA financing. His extensive lending expertise has assisted in pushing difficult deals across the finish line. Mr. Johnson earned his degree in economics from Harvard University.

Office: (818) 821-4465
Email: sjohnson@poppy.bank

Matthew Kang

VP, SBL Loan Officer

Mr. Kang has more than 20 years of business development and banking experience specializing in SBA programs. He recieved his degree in psychology from the New York Institute of Technology and serves on the board for Korean Community Services. Mr. Kang is also fluent in Korean.

Office: (646) 739-3330
Email: mkang@poppy.bank

DJ King

VP, SBL Loan Officer

Mr. King has nearly 20 years of lending experience specializing in SBA 504 programs and conventional lending. He also spent many years as a credit analyst and received a dual degree in economics and financing from Utah State University.

Office: (801) 472-4921
Email: dking@poppy.bank

Chris Pihl

VP, SBL Loan Officer

Mr. Pihl has over five years of lending experience and specializes in the SBA 7a and 504 programs. He has a strong credit background holding various positions in underwriting prior to joining Poppy Bank. Chris received his Bachelor’s Degree in Business Administration with an emphasis in Financial Management from Sonoma State University.

Cell: (714) 403-6008
Email: cpihl@poppy.bank

Tommy Thongsarn

VP, SBL Loan Officer

Mr. Thongsarn has 10 years of SBA, USDA and CRE lending experience. He provides excellent customer service and specializes in assisting clients with securing small business loans in the areas of industrial, office, hospitality, gas stations, and auto-use.

Cell: (562) 882-4949
Email: tthongsarn@poppy.bank

Business and Commercial Lenders

Doug Angelo

SVP, Commercial Real Estate Relationship Manager

Mr. Angelo brings more than 30 years of banking experience to Poppy Bank with an expertise in commercial real estate construction lending. He is a graduate of Pacific Coast Banking School and resides in Nevada.

Cell: (775) 335-9959
Email: dangelo@poppy.bank

Anne Harris

SVP, Commercial Real Estate Relationship Manager

Ms. Harris brings more than 30 years of experience in financial services to Poppy Bank. Specializing in industries such as industrial, manufacturing, healthcare, retail, builder finance and nonprofit organizations, Ms. Harris provides integrated solutions tailored to each client. She has received both the Citizen of the Year and the Heart of the City award for her philanthropic work within the community.

Office: (503) 704-3968
Email: aharris@poppy.bank

Ty Tsai

SVP, Regional Commercial Banking Manager

Mr. Tsai has more than 30 years of retail and commercial banking experience. He previously held senior management positions at various financial institutions where he oversaw SBA, retail and commercial banking, marketing, strategic planning, and risk management. Mr. Tsai holds a bachelor’s degree in Finance from California State University, Dominguez Hills, and an MBA from University of Southern California.

Office: (714) 551-5418
Email: ttsai@poppy.bank

Cynthia Duong

VP, Commercial Loan Officer

Ms. Duong has more than 14 years of banking experience including 7 years in commercial lending. Her expertise is in business development and portfolio management, specializing in commercial real estate lending, equipment financing, business acquisition and SBA financing for small- to medium-size businesses. Ms. Duong is also fluent in Cantonese.

Cell: (626) 503-9098
Email: cduong@poppy.bank

Becky Ettinger

VP, Commercial Loan Officer

Ms. Ettinger brings more than 10 years of Commercial Real Estate lending experience to Poppy Bank. She was previously with another financial institution where she managed lending portfolios and business consulting. Ms. Ettinger was awarded the Women in Leadership Award presented by the Sonoma Valley Chamber of Commerce.

Office: (707) 636-9015
Cell: (707) 975-9323
Email: bettinger@poppy.bank

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
Email: jgraves@poppy.bank

Celia King

VP, Commerical Loan Officer

Ms. King has more than 20 years of banking experience including nearly 10 years in commercial lending. Her specialty includes business development, relationship management, tax & financial accounting, financial analysis, underwriting, CRE and C&I lending. Ms. King holds a B.A. in Business Administration/Accounting from Dominican University and serves as treasurer for Analy High School Education Foundation where she is also a member of the Athletic Boosters.

Office: (707) 636-9119
Cell: (707) 695-3278
Email: cking@poppy.bank

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
Email: eporter@poppy.bank

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
Email: sshapiro@poppy.bank

Derek Shen

VP, Commercial Loan Officer

Mr. Shen has more than 20 years of experience in CRE & C&I. He began his career servicing, processing, and underwriting SBA loans and has since become a trusted advisor offering solutions in debt structure, global trade, leasing, capital market and treasury to many clients. Mr. Shen graduated from the University of California, Riverside and holds a B.S. in Business Administration/Finance. He is also fluent in Mandarin and Taiwanese.

Cell: (909) 990-7229
Email: dshen@poppy.bank

Commercial Property Assessed Clean Energy (C-PACE)

Matt Mustaro

SVP, C-PACE Relationship Manager

Mr. Mustaro has nearly 20 years of expertise in commercial real estate financing and structured credit. He previously founded Fulton Street Advisors, LLC, a boutique commercial real estate advisory firm and was a core member in outlining the current C-PACE ratings methodology used by the industry today. Mr. Mustaro has a B.S. in Managerial Economics from the University of California at Davis and holds a Real Estate Broker license in California.

Office: (707) 548-4605
Email: mmustaro@poppy.bank

Matthew George

VP, C-PACE Originations

Mr. George has more than 16 years of experience underwriting and originating commercial real estate debt, including life company, CMBS, agency, and bank mortgages. His expertise lies in C-PACE assessments for a wide variety of property types. Mr. George holds a B.A. in Business Administration from Washington State University.

Office: (509) 954-3140
Email: mgeorge@poppy.bank

How can we help you?
Poppy flowers