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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 Accounts Business Savings Accounts Business Money Market Accounts Business Online Banking Business Credit Cards Courier Service Merchant Services Safe Deposit Boxes ACH Origination Remote Deposit Capture Wire Transfers Lockbox
Business Checking and Savings Accounts
Business Checking Business Interest Checking Business Savings Business Super Savings Business Money Market
*Annual Percentage Yield n/a 0.05% APY* 0.10% APY* 0.85% APY* 0.10% APY*
Minimum Deposit $500 $500 $200 $10,000 $2,500
Daily Minimum Balance Required to Waive Monthly Service Charge: $2,500 $2,500 $300 $10,000 $5,000
Daily Minimum Balance Required to Earn Interest** (not interest bearing) $500 No minimum (Tiered rate based on balance) No minimum (Tiered rate based on balance) $5,000
Service Charge: $10 $12 $2 $2 $15
Transaction Limitations: Deposits and checks paid exceeding 100/$0.25 per item Deposits and checks paid exceeding 100/$0.25 per item 6 electronic withdrawals per month 6 electronic withdrawals per month 6 electronic withdrawals or checks per month
Online Wires Available Yes Yes No No No
Free Online Account Access Yes Yes Yes Yes Yes
Free Bill Pay Yes Yes N/A N/A N/A
contact us to open an 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 September 18, 2017. For current rate information call (707) 636-9000.

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.

Accurate, up-to-date account information Export Data to spreadsheets and money-management programs Bill Payment Feature Account reconciliation downloaded to your accounting system Automatic and on-line Loan Payments Check Orders Funds Transfers Wire Transfers Remote Deposit Capture Stop Payments ACH Origination Positive Pay
Online services include:

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
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online account
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.

Processing of Visa, AMEX, MasterCard, and Discover Clover suite of Point-of-Sale Products Traditional and Mobile terminal solutions Virtual terminals E-commerce tools for online shopping carts Detailed merchant statement Product specific reporting Annual 1099 reporting ACH/Check imaging Payroll and Gift Card services 24 hour technical help desk QuickBooks integration through Online statements
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

No matter which card you choose, you’ll enjoy important features like:

  • Award-winning expense management tools
  • Free employee cards
  • Valuable purchase rewards
  • Earn Valuable Rewards
BUSINESS CASH CARD [VISA / MASTERCARD®] BUSINESS BONUS REWARDS CARD [VISA / MASTERCARD®] BUSINESS BONUS REWARDS PLUS CARD [VISA / MASTERCARD®]
Earn cash back1 every time you use your card: 3% on office supply store net purchases and phone/internet services, 2% on restaurant and gas net purchases, and 1% on all other eligible net purchases, plus get $25 cash back after your first purchase. 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. 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 – all with a low annual fee.
MORE MORE MORE
apply for a business cash card apply for a Business bonus rewards card apply for a business bonus rewards plus card

1 – Reward points can be redeemed as a cash deposit to a checking or savings account or as a statement credit to your credit card account. First purchase bonus points will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances.

The creditor and issuer of these Cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., MasterCard International Incorporated, and American Express. MasterCard is a registered trademark of MasterCard International Incorporated. American Express is a federally registered service mark of American Express.

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.
Find a Loan officer
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.
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