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Business Checking Accounts
Powerful banking solutions designed to help your business thrive
Explore AccountsChoose Your Business Account
Essential Business Checking
Start Your Business Banking
- Minimum Balance Requirement: $1,000
- Monthly Service Feeb: $15
- Paper Statement Feec: $5
- Deposit/Check Fees: 50 free/month, then $0.50/item
- Cash Handling: $5,000 free/month, then $1.00/$1,000
Preferred Business Checking
Enhanced Business Banking
- APYa: 0.25%
- Minimum Balance Requirement: $25,000
- Monthly Service Feeb: $25
- Paper Statement Feec: $5
- Deposit/Check Fees: 100 free/month, then $0.50/item
- Cash Handling: $10,000 free/month, then $1.00/$1,000
Premier Business Checking
Advanced Features
- APYa: 0.50%
- Minimum Balance Requirement: $50,000
- Monthly Service Feeb: $50
- Paper Statement Feec: $5
- Deposit/Check Fees: 150 free/month, then $0.50/item
- Cash Handling: $15,000 free/month, then $1.00/$1,000
Signature Business Checking
Premium Business Banking
- APYa: 1.00%
- Minimum Balance Requirement: $100,000
- Monthly Service Feeb: $75
- Paper Statement Feec: $5
- Deposit/Check Fees: 200 free/month, then $0.50/item
- Cash Handling: $20,000 free/month, then $1.00/$1,000
Poppy Cares
Checkingd
For Non-Profit Organizations
- APYa: 0.05%
- Minimum Balance Requirement: $1,000
- Monthly Service Feeb: $15
- Paper Statement Feec: $5
- Deposit/Check Fees: $0
- Cash Handling: $0
Poppy Attorney Client Trust (IOLAT)
For Legal Professionals
- APYa: 2.93%
- Minimum Balance Requirement: $0
- Monthly Service Feeb: $0
- Paper Statement Feec: $0
- Deposit/Check Fees: $0
- Cash Handling: $0
Poppy Analysis
Checking
Customized Analysis Account
- Minimum Balance Requirement: $0
- Monthly Service Fee: e
- Paper Statement Fee: e
- Deposit/Check Fees: e
- Cash Handling: e
- ACH Transfer Capability: YES
All Business Checking Accounts Include
Online Banking
Bill Pay
Access to over 40,000 ATMs
Positive Pay
Wire Transfer Capabilities
a The Promotional Annual Percentage Yield (APY) is accurate as of November Xst, 2025. Rate may change after account is opened. Refer to Terms and Conditions of your account disclosures for additional terms and conditions that apply 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 The monthly service fee is waived if the required minimum balance is maintained during the entire statement cycle.
c The monthly statement fee is waived if you elect for electronic statements in lieu of paper statements.
d Poppy Cares Checking is for community non-profit organizations only.
e Analysis account features and fees are arranged by Poppy Bank’s treasury services department. Refer to the analysis fee schedule.
Compare Our Business Checking Accounts
| Feature | Essential | Preferred | Premier | Signature | Cares | IOLAT | Analysis |
|---|---|---|---|---|---|---|---|
| Minimum Balance Requirement | $1,000 | $25,000 | $50,000 | $100,000 | $1,000 | N/A | N/A |
| Annual Percentage Yield(a) | N/A | 0.25% | 0.50% | 1.00% | 0.05% | 3.46% | N/A |
| Monthly Service Fee(b) | $15 | $25 | $50 | $75 | $15 | N/A | (e) |
| Paper Statement Fee(c) | $5 | $5 | $5 | $5 | $5 | N/A | (e) |
| Free Transactions/Month | 50 | 100 | 150 | 200 | Unlimited | (e) | (e) |
| Free Cash Handling/Month | $5,000 | $10,000 | $15,000 | $20,000 | Unlimited | (e) | (e) |
| Online Banking | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Bill Pay | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| 40,000+ ATMs | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Positive Pay | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Wire Transfers | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| ACH Transfer Capability | N/A | N/A | N/A | N/A | N/A | N/A | YES |
Business Banking Features
Online Banking
Bill Pay
40,000+ ATMs
Positive Pay
Wire Transfers
ACH Transfers
Why Choose Poppy Bank for Business?
Business-Focused Solutions
Comprehensive banking services designed specifically for your unique business needs.
Competitive Rates
Earn up to 1.00% APY on your business checking account – helping your working capital work harder for you.
Fraud Protection
Advanced security features including Positive Pay to protect your business from check fraud and unauthorized transactions.
Digital Banking
Manage your business finances anytime, anywhere with our robust online and mobile banking platform.
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
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
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
Meet Our Team
Treasury Management
Demetrius Roberts
SVP, Head of Treasury Management
Mr. Roberts brings over 20 years of expertise in the financial industry, with a specialization in Treasury Management. Before joining Poppy Bank, he led the Treasury Service Department at a prominent institution. Mr. Roberts is dedicated to driving sustainable strategic growth and fostering long-lasting relationships with clients and service providers. He holds a Bachelor of Science in Business Administration from California State University, Hayward, and is a graduate of the Pacific Coast Graduate School of Banking at the University of Washington. Additionally, he is a Certified Treasury Professional (CTP).
Office: (925) 233-3472
Marjorie Peterson
VP, Business Development Officer
Ms. Peterson has been in banking for 18 years, beginning as a part-time teller. Prior to joining Poppy Bank, Ms. Peterson was a VP — Branch Manager and then transitioned into a business development role, where she realized her passion for connecting with clients and building relationships. She holds a degree in Social and Behavioral Sciences.
Office: (707) 807-5459
Habib Sekander
VP, Business Development Officer
Mr. Sekander has more than 20 years of experience in the financial industry, with a diverse background in business development and treasury management. He excels in building relationships and strategic planning. Mr. Sekander holds a degree in Finance and Management.
Office: (747) 746-1064
Michael Tolan
VP, Business Development Officer
Mr. Tolan has more than 15 years of experience in the financial industry. He specializes in building relationships with business clients. He holds a degree in Political Science from the University of Wisconsin, Whitewater.
Office: (925) 233-3394
Blanca Castillo
VP, Treasury Management Sales Support Officer
Ms. Castillo has over 20 years of experience in the financial industry. Throughout her career, she has held several positions in the Operations department. Ms. Castillo specializes in problem-solving and streamlining cash management to support clients with their daily transactions.
Office: (925) 233-3430
Marquita Jeffress
VP, Business Development Officer
Ms. Jeffress has more than 13 years of experience in the financial industry. She specializes in assisting small to medium-sized businesses to create more efficiencies in their day-to-day processes. She holds a degree in Interdisciplinary Studies.
Office: (925) 723-9805
James Pelka
VP, Business Development Officer
Mr. Pelka has more than 20 years in the financial industry. He specializes in process improvement, fraud mitigation, and optimizing cash usage for businesses and organizations. He holds a degree in Communication.
Robert Shumate
AVP, Business Development Officer
Mr. Shumate has 25 years of experience in the financial industry. He is passionate about understanding the unique financial needs of his clients to provide them with the best possible service. He also enjoys supporting nonprofits in his community and has served on several boards throughout his career. Mr. Shumate holds a degree in History.
Office: (714) 386-7813
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.
Office: (707) 640-8425
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 awards for her philanthropic work within the community.
Office: (503) 704-3968
Steve LeBlanc
SVP, Real Estate Loan Executive
Mr. LeBlanc brings more than 40 years of lending experience to Poppy Bank. He specializes in construction, senior housing, multi-family, retail, office, industrial, and hospitality lending. Mr. LeBlanc holds a Bachelor of Business Administration in Finance from Texas A&M University.
Office: (214) 695-8918
Daniel Gallaher
VP, Commercial Construction Officer
Mr. Gallaher has focused on generating lasting business relationships during his two years as a lender with Poppy Bank. His specialty areas include commercial real estate construction and acquisition as well as small business lending. Mr. Gallaher’s emphasis on communication and superior customer service have consistently enabled clients to achieve their desired financing solutions. He is a graduate of The University of Nevada and resides in Reno.
Office: (951) 744-8835
Jonathan Graves
VP, Commercial Loan Officer
Mr. Graves has 11 years of lending experience and focuses on commercial real estate lending. Mr. 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
Greg Hancock
VP, Commercial Loan Officer
Mr. Hancock comes to Poppy Bank with 17 years of experience in the financial industry, including 12 years in commercial lending. He specializes in commercial real estate lending including commercial construction, hospitality, multi-family, and spec single-family housing. Mr. Hancock holds a bachelor’s degree from California Polytechnic State University, San Luis Obispo.
Office: (707) 636-9061
Celia King
VP, Commercial Loan Officer
Ms. King has 25 years of banking experience including more than 10 years in commercial lending. Her specialties include business development, relationship management, tax & financial accounting, financial analysis, underwriting, CRE and C&I lending. Ms. King holds a Bachelor of Arts in Business Administration/Accounting from Dominican University and serves on numerous boards including Analy High School Education Foundation, Sonoma County Family YMCA, and Boys & Girls Clubs of Sonoma-Marin, where she is also finance committee chair.
Office: (707) 636-9139
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 fabricators to wineries and real estate investors.
Office: (707) 636-9748
Scott Shapiro
VP, Commercial Loan Officer
Mr. Shapiro has nearly 25 years of commercial financing experience. He specializes in all forms of commercial lending including SBA, real estate, equipment, tenant improvement, and working capital needs. His typical clients are seasoned real estate investors/developers as well as small- to medium-size businesses in the food, wine, healthcare, and franchise restaurant industries.
Office: (707) 636-9745
Shane Bickford
VP, Commercial Loan Officer
Mr. Bickford has been facilitating business growth for over a decade. Specializing in determining the best lending solution to meet the businesses’ unique needs, he uses data-driven decision-making and growth forecasting expertise to help businesses achieve their long-term goals. Mr. Bickford received his bachelor’s degree in Marketing with an emphasis in Business Statistics and Data Analytics from Sonoma State University.
Office: (707) 636-9731
