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 CheckingPoppy Bank Merchant CheckingBusiness SavingsBusiness Super SavingsBusiness Money Market
Minimum Deposit $500 $500 $500 $500 $200 $10,000 $2,500
Daily Minimum Balance Required to Waive Monthly Service Charge: No minimum balance required $2,500 $2,500 $15,000 $200 $10,000 $5,000
Daily Minimum Balance Required to Earn Interest** Not interest bearing Not interest bearing $500 Not interest bearing No minimum (Tiered rate based on balance) No minimum (Tiered rate based on balance) $5,000
Interest Frequency N/A N/A Compounded Daily Paid Monthly N/A Compounded Daily Paid Monthly Compounded Daily Paid Monthly Compounded Daily Paid Monthly
Monthly Service Charge: $0 $10 $12 $20** $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 Deposits and checks paid exceeding 100/$0.25 per item Deposits and checks paid exceeding 200/$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 Yes Yes No No No
Online Account Access No Monthly Service Charge Yes Yes Yes Yes Yes Yes Yes
Bill Pay No Charge Yes Yes Yes Yes N/A 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 $15,000 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 | (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.

To enroll, click here. 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

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.

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

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

Commercial Property Assessed Clean Energy
(C-PACE) Financing Team

Mike Cary

SVP, National PACE Financing

Mr. Cary oversees Poppy Bank's Commercial Property Assessed Clean Energy Financing Division. He brings more than 30 years of combined sales and lending expertise to the position, with a special focus on clean energy financing. Prior to joining Poppy Bank, Mr. Cary spent more than 10 years as Senior Vice President, Regional Sales Manager at Citibank and more than 10 years with The CIT Group as President and Chief Sales Officer. He then joined YGrene Energy Fund as Chief Operating Officer and Chief Revenue Officer. Mr. Cary graduated from James Madison University with a B.A. in Administration Management and Marketing.

Office: (707) 636-9097

Brian Deering

VP, C-PACE Program Manager

Mr. Deering brings more than 30 years of experience in financial services, credit loan processing, loan underwriting, and sales and risk mitigation to his role. Prior to joining Poppy Bank, Mr. Deering worked at Ygrene Energy Fund holding a number of positions including Regional Sales Director, Director of Underwriting for Commercial and Residential Financing, and Director of Operations. Mr. Deering holds a B.S. in Business Administration/Finance from Chico State.

Cell: (925) 584-5790

Dave Loomis

VP, C-PACE Commercial Account Manager

Mr. Loomis joins Poppy Bank with a wealth of knowledge in solar, commercial real estate, and C-PACE financing. He was among the first Commercial Area Managers at Ygrene Energy Fund before becoming their Regional Sales Director. Mr. Loomis has more than 20 years of experience in leadership and business development within the solar industry and national banking, including Citibank, SunPower, and CIT Group.

Office: (415) 272-5426

Mike Bahr

VP, C-PACE Account Manager

Mr. Bahr brings more than 25 years of experience in solar and energy efficiency financing and business development to his role at Poppy Bank. For the past 10 years, he has worked with numerous PACE programs including Ygrene Energy Fund, County of Los Angeles Commercial PACE program, Green Finance San Francisco, and California First. His focus is on assisting commercial property owners successfully secure C-PACE financing.

Office: (916) 827-0016

Anne Hartshorn

VP, C-PACE Account Manager

In 2014, Ms. Hartshorn moved to Southern California to collaborate in C-PACE program development, implementation, and compliance. She works with local city officials, administrators and capital providers providing solutions for complex transactions with freedom and ease. Ms. Hartshorn also has 20 years of experience in lending and real estate. She is very excited to train others to utilize C-PACE in the capital stack and currently conducts a monthly training course. In her free time, Ms. Hartshorn works with San Diego Feed America and serves as a mentor with Promises2kids.

Office: (206) 890-6645

Laurence C. Hughes

VP, C-PACE Account Manager

Mr. Hughes has over 25 years of commercial real estate and banking experience. Some highlights over his long career include starting NationsBank Structured Debt office in San Francisco in 1998, establishing Washington Mutual Commercial Real Estate practice in NorCal in 2003, and restructuring over $350 million in credit facilities for Wells Fargo during the 2008 financial crisis. His commercial real estate experience includes extending construction, rehab, bridge, and perm loans both locally and nationwide. He brings this background to provide C-PACE solutions to developers and investors. Mr. Hughes is a graduate of UCLA with a BA in Business Economics.

Office: (415) 902-3554

John F. Rodiles

VP, C-PACE Account Manager

Mr. Rodiles is responsible for originating C-PACE Financing. He leverages 30 years of demonstrated history within the national commercial real estate industry across several asset classes. Mr. Rodiles' expertise in sales, debt, and equity transactions are critical to helping current and future bank customers close C-PACE transactions. John brings executive experience to the C-PACE Financing Division, holding senior level positions at Marcus & Millichap, A10 Capital, Hanover Real Estate Investors, Fleet Capital, and Banc One. Mr. Rodiles graduated from California State University, Long Beach with a B.S. in Finance, and he is a licensed real estate broker in California.

Office: (714) 723-3325

Red E. Strath

VP, C-PACE Account Manager

Mr. Strath is a consummate professional in the fields of renewable energy, construction, real estate development and real estate lending. For more than 20 years he has worked as and/or with development, designing, lending, engineering, construction, procurement, and compliance teams thus creating a unique perspective and helpful insights into opportunities for our clients. Mr. Strath has developed and consulted on projects throughout the U.S., Mexico, Saudi Arabia, and the Philippines. He has a detailed understanding of the necessity for property assessed clean energy upgrades as we move forward with strict environmental legislation in the respective jurisdictions where our clients build, and of mastering the financial incentives and benefits our clients need to develop their projects. Through education of the vast advantages offered by Poppy Bank through our traditional and C-PACE lending divisions, Mr. Strath looks forward to taking your projects to the next level.

Office: (760) 473-3845

Manny Valido

VP, C-PACE Account Manager

Mr. Valido has been in the finance industry over 30 years, specifically the Banking industry, and brings valuable experience. He has held Regional Management positions with several Banks in Florida comprised of leading teams to meet company goals on an annual basis through detailed marketing plans and weekly scheduled meetings to oversee production progress. His primary concentration has been Real Estate and Corporate Lending throughout the US and overseas. For approximately five years, Mr. Valido also served as VP/CFO for a Hospital Management Company which managed a Licensed 263 Bed Hospital in Hialeah Florida. His main responsibility was to manage the revenue cycle of the hospital. Mr. Valido graduated from Florida International University with bachelor's degree in Business Administration with a double major in Finance and Marketing.

Office: (305) 321-5436

Susan Loomis

C-PACE Inside Sales Specialist

Ms. Loomis brings more than 10 years of experience in national lending, business development, and channel management to her role at Poppy Bank. Prior to joining the Bank, she worked at Towne Mortgage Company, Pacific Union Financial, Stonegate, and Envoy where she was instrumental in spearheading their lending divisions.

Cell: (925) 457-3535

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

Malia Hifner

SVP, Small Business Lending Operations/Credit

With more than 20 years of SBA lending experience, Ms. Hifner previously spent the past 18 years at Bank of the West specializing in loan documentation, closing, construction management and risk mitigation. She has developed a keen sense of SBA financing and has worked diligently with complicated loan closings while maneuvering through the complexities of construction finance. Ms. Hifner is very familiar with how to manage distressed assets, risks, and complete the long-term goal for successful management of completion, timeline, and cost. Ms. Hifner guides borrowers, underwriters, processors and business development officers through the many essential steps when considering the fastidious nature of SBA 504 and 7A lending.

Office: (916) 740-1556

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

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.

Office: (714) 551-5479
Cell: (714) 403-6008

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

Business and Commercial Lenders

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

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

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

How can we help you?
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