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.
- Checking Accounts
- Savings Accounts
- Money Market Accounts
- Poppy Premier Online Savings
- CD Accounts
- IRA – Individual Retirement Accounts
- Personal Credit Cards
- ATM/Debit Cards
- Online Banking
- Mobile Banking
- Mobile Deposit
- Automatic Transfers
- Safe Deposit Boxes
- Wire Transfers
Personal Checking & Savings Accounts
Below is a listing of our Personal Checking and Savings Accounts. Please contact us for a more detailed explanation and schedule of fees and charges.
| Features | Poppy Personal Checking | Poppy Personal Interest Checking | Poppy Personal Money Market |
|---|---|---|---|
| Minimum Balance Requirement (a) | $1,000 | $1,000 | $1,000 |
| Monthly Service Charge (b) | $10 | $10 | $10 |
| Interest Rate (c) | N/A | 0.05% | 0.10% |
| Annual Percentage Yield (c) | N/A | 0.05% | 0.10% |
| Monthly Electronic Statement Fee | Free | Free | Free |
| Monthly Paper Statement Fee (d) | $5 | $5 | $5 |
| Transaction Fees | N/A | N/A | $5 per withdrawal (e) |
| Features | Poppy Personal Savings | Poppy Premier Personal Savings (f) | Poppy IRA Savings |
|---|---|---|---|
| Minimum Balance Requirement (a) | $1,000 | $1,000 | N/A |
| Monthly Service Charge (b) | N/A | N/A | N/A |
| Interest Rate (c) | 0.10% | 0.49% | 0.20% |
| Annual Percentage Yield (c) | 0.10% | 0.50% | 0.20% |
| Monthly Electronic Statement Fee | Free | Free | Free |
| Monthly Paper Statement Fee (d) | $5 | $5 | $5 |
| Transaction Fees | $5 per withdrawal (e) | $5 per withdrawal (e) | N/A |
(a) Your initial deposit must be equal to or greater than the minimum balance requirement.
(b) The monthly service charge is charged if the balance in your account falls below the required minimum balance during the monthly cycle. The monthly service charge is waived for depositors at least 55 years of age.
(c) Interest will be compounded daily and credited to your account monthly. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit noncash items (for example, checks). You must maintain the minimum balance requirement in the account each day to obtain the disclosed annual percentage yield. If you close your account before interest is credited, you will receive your accrued interest. Your interest rate and annual percentage yield may change at any time.
(d) The monthly statement fee is waived if you elect for electronic statements in lieu of paper statements.
(e) The first six withdrawals during a month cycle are free of charge. The $5 per withdrawal fee will apply to any withdrawals after the first six.
(f) 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.
Refer to the Personal Schedule of Fee & Charges for additional fees that may apply to your account.
Poppy Premier Online Savings
Poppy Bank’s Premier Online Savings allows you the flexibility to open an account from anywhere. Maximize the most of your deposits and allow your cash to make money for you with one of the best high-yield savings accounts available. Get the most from your deposits today! Poppy Bank’s Premier Online Savings account is FDIC-insured up to the allowable limits.
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.
| Features | 3-MONTH CD | 6-MONTH CD | 9-MONTH CD | 12-MONTH CD |
|---|---|---|---|---|
| Minimum Balance Requirement | $1,000 | $1000 | $1,000 | $1,000 |
| Interest Rate (a) | 4.40% | 4.40% | 3.92% | 3.92% |
| Annual Percentage Yield (a) | 4.50% | 4.50% | 4.00% | 4.00% |
| Automatically Renews at Maturity (b) | Yes | Yes | Yes | Yes |
| Free Online/Mobile Banking Access | Yes | Yes | Yes | Yes |
| Statement Frequency | Quarterly | Quarterly | Quarterly | Quarterly |
| Early Withdrawal Penalty (c) | 3.00% of principal withdrawn prior to maturity | 3.00% of principal withdrawn prior to maturity | 3.00% of principal withdrawn prior to maturity | 3.00% of principal withdrawn prior to maturity |
| 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) | 3.68% | 3.68% | 3.68% | 3.68% | 3.68% |
| Annual Percentage Yield (a) | 3.75% | 3.75% | 3.75% | 3.75% | 3.75% |
| Automatically Renews at Maturity (b) | Yes | Yes | Yes | Yes | Yes |
| Free Online/Mobile Banking Access | Yes | Yes | Yes | Yes | Yes |
| Statement Frequency | Quarterly | Quarterly | Quarterly | Quarterly | Quarterly |
| Early Withdrawal Penalty (c) | 3.00% of principal withdrawn prior to maturity | 3.00% of principal withdrawn prior to maturity | 3.00% of principal withdrawn prior to maturity | 3.00% of principal withdrawn prior to maturity | 3.00% of principal withdrawn prior to maturity |
(a) Interest will be compounded daily and credited to your account monthly. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit noncash items (for example, checks). If you close your account before interest is credited, you will receive your accrued interest. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
(b) 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.
(c) 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 Fee & Charges for additional fees that may apply to your account.
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.
| Features | 3-Month IRA CD | 6-Month IRA CD | 9-Month IRA CD | 12-Month IRA CD |
|---|---|---|---|---|
| Minimum Balance Requirement | $1,000 | $1,000 | $1,000 | $1,000 |
| Interest Rate (a) | 4.40% | 4.40% | 3.92% | 3.92% |
| Annual Percentage Yield (a) | 4.50% | 4.50% | 4.00% | 4.00% |
| Automatically Renews at Maturity (b) | Yes | Yes | Yes | Yes |
| Free Online/Mobile Banking Access | Yes | Yes | Yes | Yes |
| Statement Frequency | Quarterly | Quarterly | Quarterly | Quarterly |
| Early Withdrawal Penalty (c) | 3.00% of principal withdrawn prior to maturity | 3.00% of principal withdrawn prior to maturity | 3.00% of principal withdrawn prior to maturity | 3.00% of principal withdrawn prior to maturity |
| Features | 18-Month IRA CD | 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 | $1,000 |
| Interest Rate (a) | 3.68% | 3.68% | 3.68% | 3.68% | 3.68% |
| Annual Percentage Yield (a) | 3.75% | 3.75% | 3.75% | 3.75% | 3.75% |
| Automatically Renews at Maturity (b) | Yes | Yes | Yes | Yes | Yes |
| Free Online/Mobile Banking Access | Yes | Yes | Yes | Yes | Yes |
| Statement Frequency | Quarterly | Quarterly | Quarterly | Quarterly | Quarterly |
| Early Withdrawal Penalty (c) | 3.00% of principal withdrawn prior to maturity | 3.00% of principal withdrawn prior to maturity | 3.00% of principal withdrawn prior to maturity | 3.00% of principal withdrawn prior to maturity | 3.00% of principal withdrawn prior to maturity |
(a) Interest will be compounded daily and credited to your account monthly. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit noncash items (for example, checks). If you close your account before interest is credited, you will receive your accrued interest. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
(b) 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.
(c) 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 Fee & Charges for additional fees that may apply to your account.
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!
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.
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
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.
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:
