FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Personal Checking Accounts
Explore AccountsChoose Your Perfect Checking Account
Poppy Select
Primary Checking
- Minimum Balance Requirement: $500
- Monthly Service Fee: $10
(Free if minimum balance requirement is met) - Paper Statement Fee: $5
(Free if electronic statements are elected)
Poppy Reserve
Enhanced Features
- Annual Percentage Yield (a): 0.25%
- Minimum Balance Requirement: $10,000
- Monthly Service Fee: $20
(Free if minimum balance requirement is met) - Paper Statement Fee: $5
(Free if electronic statements are elected)
Poppy Legacy
Premium Benefits
- Annual Percentage Yield (a): 0.50%
- Minimum Balance Requirement: $25,000
- Monthly Service Fee: $40
(Free if minimum balance requirement is met) - Paper Statement Fee: $5
(Free if electronic statements are elected)
Poppy Elite
Ultimate Prestige
- Annual Percentage Yield (a): 1.00%
- Minimum Balance Requirement: $50,000
- Monthly Service Fee: $50
(Free if minimum balance requirement is met) - Paper Statement Fee: $5
(Free if electronic statements are elected)
Poppy Student
For Qualifying Students
- Minimum Balance Requirement: $50
- Monthly Service Fee: Free
- Paper Statement Fee: Free
Compare Our Checking Accounts
| Feature | Poppy Select | Poppy Reserve | Poppy Legacy | Poppy Elite | Poppy Student |
|---|---|---|---|---|---|
| Minimum Balance Requirement | $500 | $10,000 | $25,000 | $50,000 | $50 |
| Interest Rates (a) | N/A | 0.24% | 0.49% | 0.99% | N/A |
| Annual Percentage Yield (a) | N/A | 0.25% | 0.50% | 1.00% | N/A |
| 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 Personal Savings | 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 | $1,000 | $50 | $0 | $1,000 |
| Interest Rate (a) | 0.10% | 0.49% | 0.20% | 3.68% | 3.92% | 0.10% |
| Annual Percentage Yield (a) | 0.10% | 0.50% | 0.20% | 3.75% | 4.00% | 0.10% |
| Monthly Service Fee: |
Free | Free | Free | Free | Free | $5 |
| Monthly Paper Statement Fee: (Free if electronic statements are elected) |
$5 | $5 | $5 | Free | Free | $5 |
| Transaction Fees | $5 per withdrawal (First 6 withdrawals are free) |
$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) | 3.68% | 3.68% | 3.44% | 3.44% |
| Annual Percentage Yield (a) | 3.75% | 3.75% | 3.50% | 3.50% |
| 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) | 3.20% | 3.20% | 3.20% | 3.20% | 3.20% |
| Annual Percentage Yield (a) | 3.25% | 3.25% | 3.25% | 3.25% | 3.25% |
| 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) | 3.68% | 3.44% | 3.44% | 3.20% |
| Annual Percentage Yield (a) | 3.75% | 3.50% | 3.50% | 3.25% |
| 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) | 3.20% | 3.20% | 3.20% | 3.20% |
| Annual Percentage Yield (a) | 3.25% | 3.25% | 3.25% | 3.25% |
| 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
- ✓ Plus much more!
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.
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.
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
