Personal Banking

Thursday, August 30, 2018 10:41:00 AM

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Poppy Bank can create a personal deposit portfolio that will put your money to work for you! We recognize that achieving your personal financial goals is very important and we are pleased to offer a full spectrum of competitive products and services to help. Below is a listing of our personal products and services. Please contact us for a more detailed explanation and schedule of fees and charges.

Personal Checking Accounts

Below is a listing of our Personal Checking Accounts. Please contact us for a more detailed explanation and schedule of fees and charges.

Account OptionsPersonal CheckingPersonal Interest Checking
Minimum Deposit $200 $500
Annual Percentage Yield on Balances of $500 or More n/a 0.05% APY*
Daily Minimum Balance Required to Waive Monthly Service Charge $750 $1,500
Service Charge $8 (Waived with Direct Deposit and waived for Seniors aged 55+) $10
Debit Card Available Available
Free Online Account Access Yes Yes
Free Bill Pay Yes Yes

*Annual Percentage Yield (APY) assumes all principal remains on deposit for 365 days. Interest will be compounded daily and paid monthly. Fees, or withdrawals of principal or interest, could reduce earnings. Interest rates are variable and are based on the balance in the account. APY is subject to change without notice. All rates effective as of December 7, 2018. For current rate information call (888) 636-9994.

Personal Savings Accounts

Below is a listing of our Personal Savings Accounts. Please contact us for a more detailed explanation and schedule of fees and charges.

Account OptionsPersonal Money MarketPersonal Savings
Annual Percentage Yield 0.10% APY* 0.10% APY*
Minimum Deposit $1,000 $200
Daily Minimum Balance Required to Waive Monthly Service Charge $2,500 $200
Daily Minimum Balance Required to Earn Interest** $2,500 (Tiered rate based on balance) No Minimum (Tiered rate based on balance)
Service Charge $10 $2 (Waived for Seniors 55+ and for Students under age 18)
Transaction Limitations 6 electronic withdrawals or checks per month 6 electronic withdrawals per month

*Annual Percentage Yield (APY) assumes all principal remains on deposit for 365 days. Interest will be compounded daily and paid monthly. Fees, or withdrawals of principal or interest, could reduce earnings. All rates effective as of December 7, 2018. For current rate information call (888) 636-9994.

**Interest rates are variable and are based on the balance in the account. Annual Percentage Yield (APY) is subject to change without notice.

Personal Certificate of Deposit Accounts

Below is a listing of available Personal CD accounts. Please contact us for a more detailed explanation and schedule of fees and charges.

*Annual Percentage Yield (APY) assumes all principal remains on deposit for 365 days. Interest will be compounded daily and paid monthly. Fees, or withdrawals of principal or interest, could reduce earnings. Early withdrawals are subject to interest penalties. All rates effective as of March 6, 2023. For current rate information call (888) 636-9994.

IRA – INDIVIDUAL RETIREMENT ACCOUNTS

Below is a listing of available Personal Individual Retirement (IRA) Certificate of Deposit accounts. Please contact us for a more detailed explanation and schedule of fees and charges - or to apply for an account.

IRA Certificate of Deposit (CD) TermANNUAL PERCENTAGE YIELD $1,000 AND ABOVEMinimum Deposit
6-Month IRA CD 4.50% APY* $1,000.00
12-Month IRA CD 4.50% APY* $1,000.00
18-Month IRA CD 2.00% APY* $1,000.00
24-Month IRA CD 2.00% APY* $1,000.00
36-Month IRA CD 2.00% APY* $1,000.00
48-Month IRA CD 2.00% APY* $1,000.00
60-Month IRA CD 2.00% APY* $1,000.00

*Annual Percentage Yield (APY) assumes all principal remains on deposit for 365 days. Interest will be compounded daily and paid monthly. Fees, or withdrawals of principal or interest, could reduce earnings. Early withdrawals are subject to interest penalties. All rates effective as of March 6, 2023 For current rate information call (888) 636-9994.

Consumer 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
  • Plus much more!
LEARN MORE APPLY FOR A CONSUMER CREDIT CARD MANAGE YOUR CREDIT CARD

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.

Online Banking

With online 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 And Money-Management Programs
  • Search For Specific Transactions On Loan And Deposit Accounts
  • Make Loan Payments
  • Reorder Checks
  • Pay Bills

Contact us if you have more questions. Fill out our Online Application to get started.

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

Help for Homeowners

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.

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:

CONTACT US FOR MORE HELP

How can we help you?
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