Partner with Poppy Bank – Santa Rosa Growlers Success Story
BUSINESS PARTNERSHIP SUCCESS STORY
Why business owners choose Poppy Bank
Hear how Mindy Wyman, owner of Wyman Property Management, partners with Poppy Bank—from financing an owner‑occupied office to supporting daily banking needs with a responsive local team.
From lending to treasury management, we provide the financial tools your business needs to succeed.
Business and Commercial Lending
Commercial Real Estate for purchase or refinance
Multi-family financing
Lines of credit
Assistance with applying for small business lending programs such as SBA 503 Loans, USDA Loans, SBA 7a Loans
Treasury Management
Wire transfer
Remote Deposit Capture
Automated Clearing House (ACH)
Lockbox
Smart Safes
Positive Pay
Armored Cash Services
Merchant Services
Why Businesses Choose Poppy Bank
We go beyond traditional banking to create partnerships that drive growth
Local Decision-Making
Work directly with decision-makers who understand your community and can move quickly on opportunities.
Customized Solutions
Tailored banking services designed around your business needs, not one-size-fits-all packages.
Community Investment
Partnering with organizations that strengthen local communities through sponsorships and active engagement.
Dedicated Support
A relationship manager who knows your business and is available when you need them—not a call center.
“Poppy Bank consistently goes above and beyond all expectations for a bank. When I walk into Poppy Bank, I am greeted by my first name and welcomed as a friend. Not only does Poppy Bank take care of all my business banking needs, but they go out of their way to find the best possible services and products to help me make the most of my money.”
Mindy Wyman, President
Wyman Property Management
Ready to grow your business?
Let’s discuss how a partnership with Poppy Bank can help you achieve your goals. Contact us today to start the conversation.
* The promotional Annual Percentage Yield (APY) is accurate as of January 5th, 2026. Rate may change after the account is opened. Refer to the Terms and Conditions of Your Account and the Personal Schedule of Fees and Charges disclosure for additional details pertaining to your account. Fees and withdraws of principal or interest could reduce earnings. Member FDIC and Equal Housing Lender.
$25 Bonus: The $25 bonus will be deposited by Poppy Bank into the Poppy Blooms Youth Savings Account upon account opening.
Account Requirements: Available for individuals under 18 years of age. Parent or legal guardian must be a joint account holder. Account holder retains all benefits after reaching age 18. No minimum balance required to open or maintain account. No monthly maintenance fees.
More Than Just a Savings Account
We believe financial education starts early. The Poppy Blooms Youth Savings Account is designed to teach children the value of saving, the power of compound interest, and the confidence that comes from achieving their goals.
🎯
Goal Setting
Help your child set and track savings goals – whether it’s a new bike, college fund, or their first car. Make saving fun and purposeful.
📚
Financial Education
Access age-appropriate resources that teach kids about money management, compound interest, and smart financial habits that last a lifetime.
🌱
Watch It Grow
With 3.75% APY, your child can see their money grow over time. It’s a powerful lesson in the magic of compound interest.
🔄
Smooth Transition
Benefits don’t disappear at 18. We’ve designed this account to grow with your child, creating a seamless path to adult banking.
👨👩👧👦
Family Banking
Parents maintain oversight while teaching independence. Set up alerts, monitor activity, and guide your child’s financial journey together.
💪
Build Confidence
Every deposit is a win. Every goal achieved builds confidence. We’re not just growing savings – we’re growing capable, confident young adults.
Frequently Asked Questions
Who can open a Poppy Blooms Youth Savings Account?
Any child under the age of 18 can have a Poppy Blooms Youth Savings Account opened in their name. A parent or legal guardian must be a joint account holder and will have full access to manage the account.
What happens when my child turns 18?
Great news! Your child keeps all the benefits of their Poppy Blooms Youth Savings Account account even after turning 18. We’ve designed this account to grow with them, providing a seamless transition to adult banking without losing their competitive rate or account benefits.
How does the $25 bonus work?
When you open a Poppy Blooms Youth Savings Account, we’ll immediately add $25 to the account. This bonus is our way of celebrating your child’s first step toward financial independence.
Is there a minimum balance requirement?
There is no minimum balance requirement. We believe every child should have access to quality banking, regardless of how much they can save. There’s no minimum balance to open or maintain the account, and we charge zero monthly fees.
Can my child access the account online?
We offer online and mobile banking so you and your child can monitor the account together. Parents maintain full oversight while teaching children how to responsibly manage their money in today’s digital world.
How is this different from a regular savings account?
Poppy Blooms Youth Savings Account is specifically designed for young savers. It combines competitive rates with features that teach financial responsibility. Plus, the benefits continue after your child turns 18 – there’s no need to switch accounts or lose benefits.
Ready to Plant the Seeds of Financial Success?
Join hundreds of families who are teaching their children the power of saving
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
Free
(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
✓
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 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)
Free
Free
$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.
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:
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
Marjorie Peterson
VP, Business Development Officer
(707) 807-5459
Blanca Castillo
VP, Treasury Management Sales Support
(925) 233-3430
Robert Shumate
AVP, Business Development Officer
(714) 386-7813
Commercial Lending Team
Doug Angelo
SVP, CRE Relationship Manager
(707) 640-8425
Anne Harris
SVP, Regional Commercial Banking 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
Evelynn Porter
VP, Commercial Loan Officer
(707) 636-9748
Scott Shapiro
VP, Commercial Loan Officer
(707) 636-9745
Daniel LeBlanc
AVP, Commercial Loan Officer
(707) 636-9744
Shane Bickford
AVP, Commercial Loan Officer
(707) 636-9731
Frequently Asked Questions
What features does Poppy Bank’s online banking include?
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
What is ACH origination and how can it benefit my business?
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.
What types of business lending does Poppy Bank offer?
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.
What treasury management services are available?
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.
What merchant services does Poppy Bank provide?
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
What is Positive Pay and why should my business use it?
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.
What is Remote Deposit Capture (RDC)?
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.
What is a Smart Safe and do I need it for my business?
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.
Monthly Service Fee (Free if minimum balance requirement is met)
$10
$20
$40
$50
Free
Paper Statement Fee (Free if electronic statements are elected)
$5
$5
$5
$5
Free
Online Banking & Transfers
✓
✓
✓
✓
✓
Bill Payment & Zelle
✓
✓
✓
✓
✓
Approximately 40,000 Surcharge Free ATMs (Find an ATM)
✓
✓
✓
✓
✓
Why Choose Poppy Bank?
🏦
Prestige Banking
Experience premium banking services with personalized attention and exclusive benefits tailored to your financial goals.
💰
Competitive Rates
Earn up to 1.00% APY on your checking – among the highest rates available.
🔒
Secure & Trusted
Your deposits are FDIC insured and protected by state-of-the-art security measures and encryption.
📱
Mobile Banking
Manage your finances anytime, anywhere with our robust online and mobile banking platform.
Savings and Money Market Accounts
Feature
Poppy Premier Personal Savings (b)
Poppy IRA Savings
Poppy Student Savings
Poppy Blooms Youth Savings
Poppy Personal Money Market
Minimum Balance Requirement
$1,000
$1,000
$50
$0
$1,000
Interest Rate (a)
0.49%
0.20%
3.44%
3.68%
0.10%
Annual Percentage Yield (a)
0.50%
0.20%
3.50%
3.75%
0.10%
Monthly Service Fee:
Free
Free
Free
Free
$10
Monthly Paper Statement Fee: (Free if electronic statements are elected)
$5
$5
Free
Free
$5
Transaction Fees
$5 per withdrawal (First 6 withdrawals are free)
Free
Free
Free
$5 per withdrawal (First 6 withdrawals are free)
Personal Certificate of Deposit Accounts
Features
3-MONTH CD
6-MONTH CD
9-MONTH CD
12-MONTH CD
Minimum Balance Requirement
$1,000
$1,000
$1,000
$1,000
Interest Rate (a)
3.44%
3.44%
3.20%
3.20%
Annual Percentage Yield (a)
3.50%
3.50%
3.25%
3.25%
Automatically Renews at Maturity (c)
✓
✓
✓
✓
Free Online/Mobile Banking Access
✓
✓
✓
✓
Statement Frequency
Quarterly
Quarterly
Quarterly
Quarterly
Early Withdrawal Penalty (d)
✓
✓
✓
✓
Features
18-MONTH CD
24-MONTH CD
36-MONTH CD
48-MONTH CD
60-MONTH CD
Minimum Balance Requirement
$1,000
$1,000
$1,000
$1,000
$1,000
Interest Rate (a)
2.96%
2.96%
2.96%
2.96%
2.96%
Annual Percentage Yield (a)
3.00%
3.00%
3.00%
3.00%
3.00%
Automatically Renews at Maturity (c)
✓
✓
✓
✓
✓
Free Online/Mobile Banking Access
✓
✓
✓
✓
✓
Statement Frequency
Quarterly
Quarterly
Quarterly
Quarterly
Quarterly
Early Withdrawal Penalty (d)
✓
✓
✓
✓
✓
IRA – Certificate of Deposit Accounts
Features
6-MONTH IRA CD
9-MONTH IRA CD
12-MONTH IRA CD
18-MONTH IRA CD
Minimum Balance Requirement
$1,000
$1,000
$1,000
$1,000
Interest Rate (a)
3.44%
3.20%
3.20%
2.96%
Annual Percentage Yield (a)
3.50%
3.25%
3.25%
3.00%
Automatically Renews at Maturity (c)
✓
✓
✓
✓
Free Online/Mobile Banking Access
✓
✓
✓
✓
Statement Frequency
Quarterly
Quarterly
Quarterly
Quarterly
Early Withdrawal Penalty (d)
✓
✓
✓
✓
Features
24-MONTH IRA CD
36-MONTH IRA CD
48-MONTH IRA CD
60-MONTH IRA CD
Minimum Balance Requirement
$1,000
$1,000
$1,000
$1,000
Interest Rate (a)
2.96%
2.96%
2.96%
2.96%
Annual Percentage Yield (a)
3.00%
3.00%
3.00%
3.00%
Automatically Renews at Maturity (c)
✓
✓
✓
✓
Free Online/Mobile Banking Access
✓
✓
✓
✓
Statement Frequency
Quarterly
Quarterly
Quarterly
Quarterly
Early Withdrawal Penalty (d)
✓
✓
✓
✓
(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) In selected markets, the interest rate and annual percentage yield may differ from the rates disclosed. For the most current information on interest rates and annual percentage yields, please contact us at (888) 636-9994.
(c) Your CD account will automatically renew at maturity for the same term length. You will have a grace period of seven calendar days after the maturity date to withdraw funds without penalty. We will notify you in advance of your account automatically renewing to provide the new maturity date, and you can contact us at (888) 636-9994 to learn what the interest rate and annual percentage yield will be upon renewal. You may call us at the same number to withdraw your funds at maturity or during the seven-day grace period.
(d) We will impose a penalty if you withdraw any of the principal from your account before the maturity date. The fee imposed will equal 3.00% of the principal amount withdrawn early.
Refer to the Personal Schedule of Fees & Charges for additional fees that may apply to your account.
Personal Credit Cards
Choosing the right credit card is easier than ever. Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you! No matter which card you choose, you’ll enjoy important features like:
✓
EMV smart chip technology for added security
✓
Mobile purchasing capability for added convenience
✓
Convenient and flexible purchasing power. Accepted at millions of locations worldwide
✓
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.
Mobile Banking
With mobile banking you can:
🖥️
Access Your Accounts Online
➕
Open An Account
📱
Mobile Deposit
📄
Print Statements
💸
Transfer Funds Internally And Externally
🛑
Initiate Stop Payments
✏️
Change Your Account Descriptions
📊
Export Data To Spreadsheets
🔍
Search For Specific Transactions
💰
Make Loan Payments
✅
Reorder Checks
💳
Pay Bills
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
•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
Digital Banking
Sending Money with Zelle®
Zelle® is a fast, safe and easy way to send and receive money with friends, family and others you trust – no matter where they bank. It’s important that you know and trust those you send money to.
Security and Sending Money Safely
You don’t need to share sensitive financial or personally identifiable information when sending or receiving money with Zelle®. Whether you’re using the Zelle® app or using Zelle® directly through your bank or credit union’s banking app, the only information you’ll need to share is an email address or U.S. mobile number tied to a bank account in the U.S. Additionally, authentication and monitoring features are in place to help make your payments secure when you’re sending and receiving money.
If you are having difficulty making payments on your Poppy Bank mortgage loan or home equity line of credit and are looking to avoid foreclosure, please contact us today. We would be happy to talk with you and discuss possible options.
If you are interested in discussing possible options, please call us toll-free at 1-888-636-9994. Be prepared to discuss your household income and expenses, and have the following documentation available when you call:
• Recent pay stubs
•A list of your current outstanding debts and minimum monthly payments
•Your most recent tax return
•Most recent bank statements and/or brokerage statements
•A current valuation of your property such as an appraisal, if available
Every situation is different, and we cannot guarantee that our efforts will be successful in avoiding foreclosure.
Additional Resources
You may also contact the Department of Housing and Urban Development (HUD) to find a HUD-certified housing counseling agency by calling 1-800-569-4287. HUD is a U.S. government agency that increases home ownership and supports home buyers. HUD offers low-cost counseling throughout the country. The following additional resources provide information and links to agencies and organizations that may also be able to help you:
•
HUD – US Dept. Of Housing And Urban Development
•
FDIC – Federal Deposit Insurance Corp.
•
FRB – Federal Reserve Board
Poppy Bank Digital Privacy Notice
On-Line and Mobile Banking Privacy Policy for US Residents
Effective: 03/12/2024
Introduction
Poppy Bank respects your privacy. This Digital Privacy Notice for US residents (this “Notice”) applies to your use of our websites and mobile applications that link to or from or expressly references this notice. The term “Poppy Bank”, “we”, “us” or “our” on any website we own or control and, in this Notice, refers to Poppy Bank and our affiliates or subsidiaries that link to this Notice. This Notice describes how Poppy Online Services may collect, use and share information from or about you. Depending upon your relationship with us, you may receive other Poppy Bank privacy notices providing additional detail about our privacy, including our Customer Privacy Statement which more broadly governs Poppy Bank’s handling of customer personal information. Please be sure to check the Policies before providing us with your personal information.
This notice describes our policies and practices with respect to our collection, protection, use and sharing of Personal Information (“PI’’) including a subset of PI called Sensitive Personal Information (“SPI”). We also collect Nonpublic Personal Information as discussed below.
What information is considered Personal Information (“PI”) and Sensitive Personal Information (“SPI”)
We define PI as information that identifies, relates to, describes, references, is reasonably capable of being associated with, or could be reasonably linked directly or indirectly, with you, your household, or your communication device (computer, tablet, mobile phone, etc.)
We define SPI as PI that reveals a person’s TIN, account login information, precise geolocation, racial or ethnic origin, genetic data, religious or philosophical beliefs, union membership, identifying biometric information. We commit to using PI responsibly and safeguarding it according to our detailed security standards. In no event do we sell your or others PI.
In the past 12 months Poppy Bank has collected and disclosed the following categories of Personal Information for business purposes:
Name
Address
Date of birth
Telephone number
Email address
Internet or other electronic network activity including IP address, browsing history and website interaction
In the past 12 months Poppy Bank has also collected and disclosed the following categories of Sensitive Personal Information for business purposes:
Tax ID number, driver’s license, passport or ID card number
Geolocation
Bank account number and other financial information
Poppy Bank collects Personal Information and Sensitive Personal information from a variety of sources including directly from you in the context of an on-line credit or deposit application and from your devices when you visit www.poppy.bank or our social media webpages and profiles, or providing your email address or phone number if you decide to opt into any of our communications options, such as receiving text messages or emails from us.
Poppy Bank collects Personal Information and Sensitive Personal Information for a range of purposes including the following:
Validation and identification of our customers
Communication with our customers
Processing financial transactions including when you initiate a transaction (for example, when you upload a check image while using Poppy Bank Mobile Deposit). This information will only be used or shared in order to provide the service that you requested. This information is collected and analyzed to assist us with fraud detection and for other security purposes, and to enhance our ability to optimize your experience while on our site. It will only be used for the purpose(s) stated within this Notice and retained by Poppy Bank for only as long as needed to fulfill the business purpose(s)
Offering targeted marketing and personalized advertising that may be of interest to our customers and potential customers
To prevent fraud, including by confirming your identify and/or location (for example, we may use your device’s physical location for fraud prevention purposes, if you are conducting a transaction)
For legal, compliance and risk management purposes.
Other legally permissible or everyday business purposes, including data analysis, product development and compliance with law enforcement and other legal processes
To allow you to access features within our website or mobile application, when you request those features
To maintain and upgrade the security of the services we provide to you and any data or information collected about you
Where processing personal information of job applicants, for purposes of hiring
Where processing personal information of former employees, for purposes of providing retirement or related benefits
Poppy Bank Mobile Banking App
As part of your use of our mobile application, the app processes Personal Information including when:
Accessing the Images taken by device’s camera to support Mobile Check Deposit functionality. The Camera Setting can be disabled by the user.
Providing access to Location Data to enable integration with Maps to identify nearby branches and ATMs. The Location Setting can be disabled by the user.
Providing access to Local and External Storage to allow users to attach a file within a Secure Message. This functionality cannot be disabled by the user.
Accessing the Contact List on the device (including contact list names, email addresses and phone numbers) to support Person to Person (P2P) Payments. The Contacts Setting can be disabled by the user.
Accessing the Phone State to support an integrated anti-malware / fraud tool. This functionality cannot be disabled by the user.
Poppy Bank collects Sensitive Personal Information exclusively for the purpose of performing the services reasonably expected by an average consumer who requests those services and for the purpose of complying with any applicable laws and regulations.
Poppy Bank shares Personal Information or Sensitive Personal Information collected with our service providers and vendors who provide services to support our business activities.
Poppy Bank has not sold Personal Information or Sensitive Personal Information collected in the preceding 12 months to any third party.
Listed below are the category and description and/or examples for types of personal information about you we may have collected and or may collect about you. These types of information are PI only if the information identifies, relates to, describes, references, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with you or your household.
Category
Description and/or Example (Not an Exhaustive List)
Identifiers
Your name, postal address, online and device identifiers, Internet Protocol (IP) address, email address, account name, Social Security Number, driver’s license number, passport number or other similar identifiers
Internet or other similar network activity
Browsing history, search history, information on your interaction with our website, mobile application or an advertisement. This may include hardware and browser information about your computer or device, including Media Access Control (MAC) address, computer type and brand, screen resolution, operating system name and version, device manufacturer and model, browser type and language used. It also may include mobile application usage data, such as the date and time our mobile application on your device accesses our servers, and what information and files have been downloaded to the application; Analyze traffic on our website or mobile applications
Geolocation data
Meaning the physical location or movements of the device you use to connect with us online. If you use the mobile application the physical location of your device through the use of, for example, Bluetooth, satellites, cell phone towers, Wi-Fi signals or other technologies
Personal Customer Information
Your name, signature, Social Security Number, physical characteristics or descriptions, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information or health insurance information
Biometric information
Fingerprints or voiceprints. Our mobile application may allow you to use third-party authentication features, such as a biometric technology (such as fingerprint scanning or facial recognition), to access our mobile application on your device.
Professional or employment related information
Your current or past job history
Sensitive Personal Information
Government Identifiers including your social security number, state identification card or Tax ID.
Account Access Information including your username, password, debit or credit card numbers or other security codes that may allow access to an account
Precise Geolocation such as where you access a Poppy Bank ATM or mobile application
Racial or Ethnic Origin (as required by law) including your country of birth or current nationality
Biometric Information collected to uniquely identify you, such as your fingerprint ID, face ID, voice, attributes, picture, iris scan or traits
Information Collected Automatically
Finally, Poppy Bank may also collect non-personal information as defined by GLBA (nonpublic personal information is “personally identifiable financial information” that is not “publicly available”. See table above for the types of browser and application information collected.
Use of PI from Cookies and Tags
We (including our service providers) may use cookies, which are pieces of data that are stored in memory on an Internet user’s device. We only use this information with your consent.
Retention of Personal Information
Poppy Bank takes into account the following criteria when defining the duration for which your Personal Information and Sensitive Personal Information will be retained:
We will retain your Personal Information and Sensitive Personal Information for as long as we maintain a business relationship with you in order to be able to provide the contracted services.
We will retain your Personal Information and Sensitive Personal Information for as long as it is required by any applicable law or regulation.
Additionally, we might retain your Personal Information and Sensitive Personal Information in connection to any relevant legal claim for the periods necessary to sustain those claims and in relation to any potential regulatory audits or investigations or any other relevant legal matter.
When and To Whom Does Poppy Bank Disclose Personal Information?
As stated above, we do not sell PI under any circumstances, and we also do not disclose PI to any non-affiliated entities for their own marketing purposes.
We may use the PI and SPI we collect from you for a variety of purposes permitted by law, including:
We may disclose the PI and SPI we collect with our service providers.
We engage service providers to deliver services to you on our behalf, such as bill payment, money transfers, check processing, wiring services, and payment solutions; and to assist us with technology support, operational support, and other forms of assistance.
We contractually bind our service providers to protect the confidentiality and security of the PI we share with them.
Security Measures/Safeguard Steps that Customers Can Take to Protect Their Data
Device Best Practices
Secure you mobile device with an automatic screen-lock to help keep your data protected. Most mobile devices offer the option of inputting a password, PIN, fingerprint and/or facial recognition pattern.
Keep your mobile device operating system and applications as up to date as possible.
Delete your mobile banking text messages when you are done with your transactions.
Download mobile banking applications only from a trusted source.
Do not “jail break” or modify your mobile phone. This makes it much easier for hackers to download malware to your phone.
Remember to delete all information/data from your mobile device prior to donating, selling, or recycling it.
Install and maintain anti-virus and anti-malware software on your mobile device and keep the software updated
User Best Practices
Choose a login ID that is at least 8 characters in length and includes letters, numbers, and special characters. Your letters should include both upper-case and lower-case letters.
Do not use passwords that include birthdays, names, social security numbers.
Do not use your mobile banking login ID and PIN for other online accounts.
Be cautious when entering your login ID and PIN in public.
Do not write down or share your login ID, password, or answers to your security questions.
Always logout of your mobile banking web session or mobile banking app when you are done.
Avoid using public wireless hotspots to complete your online banking needs.
Monitor your bank accounts and statements on a regular basis. Receive alerts from online banking to monitor activity by setting up email notifications.
If you think someone has learned or stolen your login ID and password, notify Poppy Bank immediately.
Keep your phone in a safe location. If you lose your phone, notify Poppy Bank Immediately.
Whenever possible enable two-factor authentication.
Never send financial information in text messages or unsecured email messages. Never respond to “phishing” text or email requests asking for your financial information. Poppy Bank will never request your information in this manner.
Miscellaneous Disclosures
Privacy of Children
We recognize the importance of protecting privacy where children are involved. Our Sites and Mobile Apps are not intended for use by children, and we do not knowingly solicit personal information from or market to children under the age of thirteen. If you are a parent or guardian who finds your child has provided us with information, please contact us and we will delete such information from our records. Should you have additional questions or concerns, please contact us at 888.636.9994.
Frictionless Preference Signals/Do-Not-Track
The Poppy Bank website recognizes browser “do-not-track” requests. Additionally, you can select whether our websites may use cookies or related technologies such as web beacons, pixel tags, and Flash objects (“Cookies”) by submitting a request through our Cookie Preferences Manager.
Links to Other Websites
Our Sites and Mobile Apps feature links to third party websites that offer goods, services or information. Use of your information by the third-party is governed by your agreement with them, not by Poppy Bank. We recommend reviewing the third party’s policies before sharing your personal information to understand how they will use and store your account information. For example, consider whether they sell any of your personal information, and if your information will be transferred, processed, or stored outside of the United States.
How Can I Contact Poppy Bank?
If you have any questions regarding this Policy, you can call us at 888.636.9994, email us at compliance-privacy@poppy.bank or write to us at:
Poppy Bank 438 First Street Attention: Compliance Department Santa Rosa, CA 95401
Changes to this Policy
We may add to, delete or otherwise change the terms of the Policy from time to time. When we make changes, we will post the amended policy on our website, www.poppy.bank. Any changes to the Policy will become effective as of the date set forth above, and your use of the site and our services is deemed to constitute your agreement with the Policy terms.
Locations
Please see the individual branch hours for each location below. To reach our Santa Rosa Corporate Offices, please call (707) 636-9000.
Additional hours of operation where The Bank is closed for holidays through 2024.
For holidays falling on a Sunday, Poppy Bank will be closed the following Monday.
New Year’s Day
Jan. 1
Martin Luther King Jr. Day
Jan. 15
Presidents’ Day
Feb. 19
Memorial Day
May 27
Juneteenth
June 19
Independence Day
July 4
Labor Day
Sept. 2
Columbus Day/Indigenous Peoples’ Day
Oct. 14
Veterans Day
Nov. 11
Thanksgiving Day
Nov. 28
Christmas Day
Dec. 25
Additional ATM Locations
Moneypass and Moneypass Free Locations
Poppy Bank is proud to be a member of the Moneypass and Moneypass free ATM network. Moneypass free locations offer the ability to access your cash free of charge using your Poppy Bank ATM or visa debit card. The Moneypass free ATM network spans 24 states: Arizona, Arkansas, California, Colorado, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Missouri, Minnesota, Montana, Nebraska, Nevada, North Dakota, Ohio, Oregon, South Dakota, Tennessee, Utah, Washington, Wisconsin and Wyoming. The entire Moneypass network includes ATM locations in 47 contiguous states plus the District of Columbia.
Moneypass makes it easy to find participating Moneypass Free and Moneypass ATMs across the nation through www.moneypass.com.
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