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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 CD Accounts Personal Credit Cards ATM/Debit Cards Online Banking Mobile Banking Mobile Deposit Automatic Transfers Safe Deposit Boxes Wire Transfers
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 Checking Personal 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
Apply for a Personal checking account Apply for a Personal interest checking account
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 Market Personal Savings Super 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
Apply for a Personal Money
Market Account
Apply for a Personal savings account Apply for a super savings account
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 CD 18 Month CD
Annual Percentage Yield $1,000 and above 1.35% APY* 1.50% APY*
Minimum Deposit $1,000 $1,000

*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.

Apply for a 12 month CD account Apply for an 18 Month CD account
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!
Earn Valuable Rewards
BONUS REWARDS CARD [VISA / MASTERCARD®] BONUS REWARDS PLUS CARD [VISA / MASTERCARD®] CASH REWARDS AMERICAN EXPRESS® CARD TRAVEL 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 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 bonus rewards card apply for a bonus rewards plus card apply for a cash rewards american express® card apply for a travel rewards american express® card
Save Faster
PLATINUM CARD [VISA / MASTERCARD®]
Save on interest with an extended introductory rate and pay down other credit card balances faster. MORE
apply for a platinum card
Build Your Credit
SECURED CARD [VISA / MASTERCARD®]
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
apply for a Secured 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.

2 – Late payments and going over the credit limit may damage your credit history. 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.

Online Banking
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 With Online Banking you can:

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
Enroll for online banking
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

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

contact a loan officer
Financial Tools

Here are some easy to use on-line calculators to help you solve some common financial problems.

Calculator disclaimer

The information provided by these calculators is intended for illustrative purposes only and is not intended to purport actual user-defined parameters. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results.

Presented by TimeValue Software ©2017

The information provided by these calculators is for illustrative purposes only. The information entered may vary from your actual loan, mortgage, investment, or savings results. Interest rates are hypothetical and are not meant to represent any specific investment. Rates of return will vary over time, particularly for long-term investments. The calculated results are not guaranteed to be accurate and are in no way endorsed, offered or guaranteed by First Community Bank.

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?