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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

Poppy Business CheckingPoppy Merchant CheckingPoppy Cares Checking (e)Poppy Business Interest CheckingPoppy Analysis Checking
Minimum Balance Requirement (a)$2,500$15,000$2,500$2,500N/A
Monthly Service Charge (b)$15$20$15$15$25 per account for first four accounts
Interest Rate (c)N/AN/A0.05%0.05%N/A
Annual Percentage Yield (c)N/AN/A0.05%0.05%N/A
Monthly Electronic Statement FeeFreeFreeFreeFreeFree
Monthly Paper Statement Fee (d)$5$5$5$5$5
Deposit / Check FeesDeposits and checks paid exceeding 50 in a month / $0.50 per itemN/AN/ADeposits and checks exceeding 50 in a month / $0.50 per item$1.05 per deposit / $0.10 per item deposited
Online Wires Transfer CapabilitiesYesYesYesYesYes
Bill Pay at No ChargeYesYesYesYesN/A
Cash HandlingCash deposited / supplied exceeding $5,000 per month / $1.00 per $1,000Cash deposited / supplied exceeding $5,000 per month / $1.00 per $1,000N/ACash deposited / supplied exceeding $5,000 per month / $1.00 per $1,000$0.10 per $100 cash deposited / supplied
Poppy Attorney Client Trust (IOLTA)Poppy Business Money MarketPoppy Business SavingsPoppy Premier Business Savings
Minimum Balance Requirement (a)N/A$2,500$2,500$2,500
Monthly Service Charge (b)N/A$15N/AN/A
Interest Rate (c)3.40%0.10%0.10%0.49%
Annual Percentage Yield (c)3.46%0.10%0.10%0.50%
Monthly Electronic Statement FeeFreeFreeFreeFree
Monthly Paper Statement Fee (d)N/A$5$5$5
Deposit / Check FeesN/A$5 per withdrawal (f)$5 per withdrawal (f)$5 per withdrawal (f)
Online Wires Transfer CapabilitiesYesNoNoNo
Bill Pay at No ChargeYesNoNoNo
Cash HandlingN/AN/AN/AN/A

(a) Your initial deposit must be equal to or greater than the minimum balance requirement.
(b) The monthly service charge is charged if the balance in your account falls below the required minimum balance during the monthly cycle. Otherwise, it is waived.
(c) Interest will be compounded daily and credited to your account monthly. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). You must maintain the minimum balance requirement in the account each day to obtain the disclosed annual percentage yield. If you close your account before interest is credited, you will receive your accrued interest. Your interest rate and annual percentage yield may change at any time.
(d) The monthly statement fee is waived if you elect for electronic statements in lieu of paper statements.
(e) Poppy Cares Checking is for community non-profit organizations only.
(f) The first six withdrawals during a month cycle are free of charge. The $5 per withdrawal fee will apply to any withdrawals after the first six.

Refer to the Business Schedule of Fee & Charges for additional fees that may apply to your account.

Effective Date July 21, 2023 | (888) 636-9994

Equal Housing Lender FDIC

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.

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:

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

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.

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.

Treasury Management

Ester Isakova

SVP, Head of Treasury Management

Ms. Isakova has over 20 years of experience in the financial industry with a 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.


Danyal Eaglin

VP, Treasury Management & Business Development

Mr. Eaglin has been in the banking industry for over 17 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.


Alexei Kondenkov

VP, Business Development Officer of Treasury Management

Mr. Kondenkov brings 15 years of financial industry experience to Poppy Bank. His expertise lies in commercial lending, business banking, and treasury management services. He holds a Bachelor of Arts in Business Management from California State University, Fullerton.

Office: (949)849-0201

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

Small Business Lenders

Wayne Wirth

SVP, Small Business Lending

Mr. Wirth oversees Poppy Bank’s Small Business Lending Division and has more than 30 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 and business acquisition loans, along with financing other business needs.

Office: (916) 945-2157

Chris Pihl

VP, SBL Loan Officer

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


Yvonne Santos

VP, SBL Regional Sales Manager

Ms. Santos has over 20 years of commercial lending experience from large banking institutions to community lending. Ms. Santos 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 7(a) products to grow. She has a Bachelor of Science in Business Administration from the University of Southern California.


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.


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

AVP, 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.


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. He is involved in the local community and serves on the board of Social Advocates for Youth (SAY). Mr. Hancock holds a Bachelor of Arts degree from California Polytechnic State University, San Luis Obispo.

Office: (707) 636-9061

Celia King

VP, Commerical 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

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