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Business Checking Accounts
Explore AccountsChoose Your Preferred Business Account
Essential Business Checking
Primary Business Checking
- Minimum Balance Requirement: $1,000
- Monthly Service Fee: $15
(Free if minimum balance requirement is met) - Paper Statement Fee: $5
(Free if electronic statements are elected) - Deposit/Check Fees:
50 free per month, then $0.50/item
Preferred Business Checking
Enhanced Features
- Annual Percentage Yield (a): 0.25%
- Minimum Balance Requirement: $25,000
- Monthly Service Fee: $25
(Free if minimum balance requirement is met) - Paper Statement Fee: $5
(Free if electronic statements are elected) - Deposit/Check Fees:
100 free per month, then $0.50/item
Premier Business Checking
Premium Benefits
- Annual Percentage Yield (a): 0.50%
- Minimum Balance Requirement: $50,000
- Monthly Service Fee: $50
(Free if minimum balance requirement is met) - Paper Statement Fee: $5
(Free if electronic statements are elected) - Deposit/Check Fees:
150 free per month, then $0.50/item
Signature Business Checking
Ultimate Prestige
- Annual Percentage Yield (a): 1.00%
- Minimum Balance Requirement: $100,000
- Monthly Service Fee: $75
(Free if minimum balance requirement is met) - Paper Statement Fee: $5
(Free if electronic statements are elected) - Deposit/Check Fees:
200 free per month, then $0.50/item
Poppy Cares Checking (d)
For Non-Profit Organizations
- Annual Percentage Yield (a): 0.05%
- Minimum Balance Requirement: $1,000
- Monthly Service Fee: $15
(Free if minimum balance requirement is met) - Paper Statement Fee: $5
(Free if electronic statements are elected) - Deposit/Check Fees: Free
Poppy Attorney Client Trust (IOLTA)
For Legal Professionals
- Annual Percentage Yield (a): 2.75%
- Minimum Balance Requirement: $0
- Monthly Service Fee: Free
- Paper Statement Fee: $5
- Deposit/Check Fees: Free
Poppy Analysis Checking
Customized Analysis Account
- Minimum Balance Requirement: (c)
- Monthly Service Fee: (c)
- Paper Statement Fee: (c)
- Deposit/Check Fees: (c)
- Treasury Management Services: (c)
Compare Our Business Checking Accounts
| Feature | Essential Business Checking | Preferred Business Checking | Premier Business Checking | Signature Business Checking | Poppy Cares Checking (d) | Poppy Attorney Client Trust (IOLTA) | Poppy Analysis Checking |
|---|---|---|---|---|---|---|---|
| Minimum Balance Requirement | $1,000 | $25,000 | $50,000 | $100,000 | $1,000 | N/A | (c) |
| Interest Rate (a) | N/A | 0.24% | 0.49% | 0.99% | 0.05% | 2.72% | N/A |
| Annual Percentage Yield (a) | N/A | 0.25% | 0.50% | 1.00% | 0.05% | 2.75% | N/A |
| Monthly Service Fee (Free if minimum balance requirement is met) |
$15 | $25 | $50 | $75 | $15 | Free | (c) |
| Paper Statement Fee (Free if electronic statements are elected) |
$5 | $5 | $5 | $5 | $5 | $5 | (c) |
| Deposit/Check Fees: | 50 | 100 | 150 | 200 | Free | Free | (c) |
| Online Banking | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Bill Pay | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Approximately 40,000 Surcharge Free ATMs (Find an ATM) |
✓ | ✓ | ✓ | ✓ | ✓ | N/A | N/A |
| Positive Pay (c) (d) | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Wire Transfers (c) (d) | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Automated Clearing House (ACH) Origination (c) | N/A | N/A | N/A | N/A | N/A | N/A | ✓ | Remote Deposit Capture (c) | N/A | N/A | N/A | N/A | N/A | N/A | ✓ | Lockbox Services (c) | N/A | N/A | N/A | N/A | N/A | N/A | ✓ | Armored Cash Services (c) | N/A | N/A | N/A | N/A | N/A | N/A | ✓ | Smart Safes (c) | N/A | N/A | N/A | N/A | N/A | N/A | ✓ |
Business Savings and Money Market Accounts
| Feature | Poppy Business Savings | Poppy Premier Business Savings | Poppy Business Money Market |
|---|---|---|---|
| Minimum Balance Requirement | $2,500 | $2,500 | $2,500 |
| Interest Rate (a) | 0.10% | 0.49% | 0.10% |
| Annual Percentage Yield (a) | 0.10% | 0.50% | 0.10% |
| Monthly Service Fee (Free if minimum balance requirement is met) |
N/A | N/A | $15 |
| Paper Statement Fee (Free if electronic statements are elected) |
$5 | $5 | $5 |
| Deposit/Check Fees: | $5 per withdrawal (First 6 withdrawals are free) |
$5 per withdrawal (First 6 withdrawals are free) |
$5 per withdrawal (First 6 withdrawals are free) |
| Online Banking | ✓ | ✓ | ✓ |
(a) The Promotional Annual Percentage Yield (APY) is accurate as of December 1, 2025. Rate may change after account is opened. Refer to Terms and Conditions of your account disclosures for additional information pertaining to your account. Fees and withdraws of principal or interest could reduce earnings. Interest is compounded daily and credited to the account monthly. The daily balance method is used to calculate interest on the account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day when non-cash items are deposited (e.g. checks). The minimum balance requirement must be maintained in the account each day to obtain the disclosed annual percentage yield, as interest is only earned on days when the minimum balance requirement is met. If the account is closed before interest is credited, accrued interest will be paid to the account holder.
(b) Poppy Cares Checking is for community non-profit organizations only.
(c) Analysis account features and fees are arranged by Poppy Bank’s treasury services department. Refer to the analysis fee schedule.
(d) Refer to the Business Schedule of Fees & Charges for transaction fees applicable to these services for non-Poppy Analysis Checking accounts.
Why Choose Poppy Bank for Your Business?
Business-Focused Solutions
Comprehensive banking services designed specifically for your unique business needs.
Competitive Rates
Earn up to 1.00% APY on your checking – among the highest rates available.
Fraud Protection
Advanced security features including Positive Pay to protect your business from check fraud and unauthorized transactions.
Mobile Banking
Manage your business finances anytime, anywhere with our robust online and mobile banking platform.
Business Credit Cards
Choose from our popular business credit card options including 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:
- ✓Free online expense reporting tools
- ✓No fee for additional employee cards
- ✓Mobile payment capability for added convenience
- ✓24/7 Cardmember Service available year-round
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.
Additional Business Services
Treasury Management
Comprehensive solutions including ACH origination, lockbox services, smart safes, and armored cash services.
Business Lending
SBA loans, commercial real estate financing, and customized lending solutions for growing businesses.
Merchant Services
Accept Visa, MasterCard, AMEX, and Discover with Clover POS, virtual terminals, and e-commerce tools.
Expert Support When You Need It
At Poppy Bank, you’ll work with experienced business banking professionals who understand your industry and are dedicated to your success. Our treasury management specialists, commercial lenders, and business development officers bring decades of combined experience to help your business grow.
Treasury Management Team
Demetrius Roberts
SVP, Head of Treasury Management
(925) 233-3472
Marjorie Peterson
VP, Business Development Officer
(707) 807-5459
Habib Sekander
VP, Business Development Officer
(747) 746-1064
Michael Tolan
VP, Business Development Officer
(925) 233-3394
Blanca Castillo
VP, Treasury Management Sales Support
(925) 233-3430
James Pelka
VP, Business Development Officer
(916) 740-1564
Robert Shumate
AVP, Business Development Officer
(714) 386-7813
Commercial Lending Team
Doug Angelo
SVP, CRE Relationship Manager
(707) 640-8425
Anne Harris
SVP, CRE Relationship Manager
(503) 704-3968
Steve LeBlanc
SVP, Real Estate Loan Executive
(214) 695-8918
Daniel Gallaher
VP, Commercial Construction Officer
(951) 744-8835
Jonathan Graves
VP, Commercial Loan Officer
(707) 636-9057
Greg Hancock
VP, Commercial Loan Officer
(707) 636-9061
Celia King
VP, Commercial Loan Officer
(707) 636-9139
Evelynn Porter
VP, Commercial Loan Officer
(707) 636-9748
Scott Shapiro
VP, Commercial Loan Officer
(707) 636-9745
Shane Bickford
VP, Commercial Loan Officer
(707) 636-9731
Frequently Asked Questions
Poppy Bank’s online banking platform gives you 24/7 access to manage your business finances from anywhere. Key features include:
- ✓Real-time account information and balance updates
- ✓Bill payment and automated loan payments
- ✓Fund and wire transfers
- ✓Remote Deposit Capture
- ✓ACH origination
- ✓Positive Pay fraud protection
- ✓Data export to spreadsheets and accounting programs
- ✓Stop payment requests
ACH (Automated Clearing House) is a reliable electronic funds transfer system that streamlines business payments. With Poppy Bank’s ACH origination services, you can:
- ✓Process direct deposit payroll for employees
- ✓Automate bill payments (mortgages, loans, utilities, insurance)
- ✓Handle business-to-business payments efficiently
- ✓Collect recurring payments from customers automatically
✓ACH payments typically settle in one business day and are more cost-effective than traditional payment methods.
Poppy Bank provides a comprehensive range of business lending solutions, including:
- ✓SBA 7(a) loans for commercial real estate, business expansion, and start-up financing
- ✓SBA 504 loans primarily for owner-occupied commercial real estate
- ✓SBA Express loans up to $250,000 for equipment, inventory, and lines of credit
- ✓USDA loan programs for businesses in rural communities
- ✓Commercial real estate construction and acquisition loans
- ✓Traditional business loans customized to your needs
✓As an SBA Preferred Lender, we offer expedited processing and flexible terms tailored to your business.
Poppy Bank’s Treasury Management team designs customized cash management solutions for businesses. Our services include:
- ✓Wire transfer services (domestic and international)
- ✓Remote Deposit Capture for convenient check deposits
- ✓ACH origination for automated payments
- ✓Lockbox services for streamlined receivables
- ✓Smart safes for retail cash management
- ✓Positive Pay for check fraud prevention
- ✓Armored cash services
✓Our treasury team works closely with you to ensure efficient onboarding and ongoing support.
Through our trusted partner, Poppy Bank offers comprehensive merchant services to help you accept payments:
- ✓Processing for Visa, MasterCard, AMEX, and Discover
- ✓Clover suite of point-of-sale products
- ✓Traditional and mobile terminal solutions
- ✓Virtual terminals for phone and mail orders
- ✓E-commerce tools and online shopping cart integration
- ✓ACH and check imaging services
- ✓Payroll and gift card services
- ✓QuickBooks integration
- ✓24-hour technical support
Positive Pay is a fraud prevention service that protects your business from check fraud and unauthorized transactions. When you issue checks, you provide Poppy Bank with a list of those checks. When checks are presented for payment, we match them against your list. Any discrepancies are flagged for your review before payment is made.
This service is essential for businesses that issue multiple checks and want to prevent fraudulent activity, altered checks, or counterfeit check schemes.
Deposit checks without a trip to the branch. With RDC, you simply scan checks using a desktop scanner or mobile device and securely transmit the images to Poppy Bank for processing. This means faster access to funds, improved efficiency, and added protection against check fraud—all from the convenience of your office.
A Smart Safe is a secure, connected cash management device that allows you to deposit cash directly into the safe at your business location. It automatically counts, validates, and records deposits, then transmits that information to your bank. This means your funds are credited to your account without waiting for an armored car pickup or a branch visit.
If your business handles a high volume of cash, wants to reduce trips to the bank, improve security, and streamline cash handling, a Smart Safe can save time and lower risk. For businesses with minimal cash transactions, it may not be necessary.
