Personal Banking

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.

Personal 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

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.

Personal Money MarketPersonal SavingsSuper Savings
Annual Percentage Yield 0.10% APY* 0.10% APY* 0.85% APY*
Minimum Deposit $1,000 $200 $10,000
Daily Minimum Balance Required to Waive Monthly Service Charge $2,500 $300 $10,000
Daily Minimum Balance Required to Interest** $2,500 (Tiered rate based on balance) No Minimum (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) $2
Transaction Limitations 6 electronic withdrawals or checks per month 6 electronic withdrawals per month 6 electronic withdrawals per month

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.

12-Month CD24-Month CD
Annual Percentage Yield $1,000 and above 2.50% APY* 2.50% APY*
Minimum Deposit $1,000 $1,000
Apply Apply for a 12-Month CD Account Apply for a 24-Month CD Account

*Annual Percentage Yield (APY) assumes interest remains on deposit for 365 days. Fees or withdrawals of principal or interest could reduce earnings. A penalty may be assessed for early withdrawal. **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 (707) 636-9000.

Consumer Credit Cards

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
  • Plus much more!
BONUS REWARDS CARD [VISA / MASTERCARD®]BONUS REWARDS PLUS CARD [VISA / MASTERCARD®]CASH REWARDS AMERICAN EXPRESS® CARD
Watch your rewards add up fast with 1 point for every $1 you spend on eligible net purchases, and receive automatic bonus points each month. Plus get $25 cash back1 after your first purchase. MORE Watch your rewards add up even faster with 1 point for every $1 you spend on eligible net purchases, and receive even more automatic bonus points each month. Plus get $50 cash back1 after your first purchase. MORE Earn cash back1 every time you use your card: 3% on gas, 2% at supermarkets, and 1% on all other eligible net purchases, plus $25 cash back1 after your first purchase. MORE
apply for a bonus rewards card apply for a bonus rewards plus card apply for a cash rewards american express® card
SECURED CARD [VISA / MASTERCARD®]PLATINUM CARD [VISA / MASTERCARD®]TRAVEL REWARDS AMERICAN EXPRESS® CARD
Start building (or rebuilding) your credit history, even if you’ve been turned down for other credit cards, with flexible credit lines based on a security deposit and a low annual fee. MORE Save on interest with an extended introductory rate and pay down other credit card balances faster. MORE Earn great rewards faster with 3X reward earnings on airline net purchases and 2X reward earnings on restaurant and hotel net purchases and 1X reward earnings on all other eligible net purchases, plus get $75 cash back1 after your first purchase – all with a low annual fee. MORE
Apply for a Secured Card apply for a platinum card apply for a travel rewards american express® card

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

Consumer Lending

Personal

  • Owner-Occupied Construction Loans
  • Home Mortgage Loans

Mortgage Loan Originators

The Secure and Fair Enforcement for Mortgage Licensing Act (SAFE ACT) requires employees of federally regulated lending institutions who act as Mortgage Loan Originators (MLO) to register with the Nationwide Mortgage Licensing System and Registry (Registry). Each Poppy Bank MLO is registered and has a unique identification number.

Poppy Bank – Institution ID # 449187

The following employees are registered in accordance with the SAFE ACT:

Mortgage Loan Originators:

Richard Michael McKeon, VP/Residential Lending Officer
NMLS ID# 798734

Tina Sweet, Residential Real Estate Loan Officer
NMLS ID# 1046876

If you would like to find information regarding registered MLOs, you can perform a search at www.nmlsconsumeraccess.org.

CONTACT A LOAN OFFICER

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?