Simply Amazing Free Business Checking

Free checking for your growing business

Business checking made simple. Loaded with benefits, no hidden charges, robust online access, and no minimum balance requirement. Heritage Oaks Bank shows how free business checking gets done right. Simply Amazing Free Business Checking - everything your small business needs, and service with a smile.

Account Features:

  • No monthly service charge
  • No minimum balance
  • Free electronic ATM transactions1
  • Free business VISA® Debit Card
  • Free business online banking
  • Free web bill pay2
  • Up to 500 deposits, deposited items or checks written per statement cycle3
  • Low opening deposit of $100

Cash Management Solutions3:

  • Business Credit Cards
  • Remote Deposit Capture
  • Direct Deposit and Direct Payment
  • Positive Pay
  • Wire Transfer Services
  • Merchant Services
  • Payroll Services


  • Take advantage of our special check offer! Receive a $50 credit toward the purchase of your first order of business checks when you:
    - Enroll in Online Banking
    - Signup for eStatement delivery, AND
    - Open an additional account or Cash Management service
  • Focus on your own work, not paperwork, with our check imaging services
  • Experience the reasurrance of our available overdraft credit line4 

To learn more about our Simply Amazing Free Business Checking account, visit a Financial Services Representative at any of our locations, call us at 805.369.5200 or simply click on the Request More Information button above.

  • 1 Other institutions may asses ATM or point-of-sale charges or surcharges
  • 2 For your security, we'll discontinue web bill pay service after three months of inactivity
  • 3 Clients may be converted to Account Analysis if the account reaches 500 or more deposits, deposited items or checks written per statement cycle including ATM, night deposit, armored car or courier deposits OR utilizes a Cash Management Service such as ACH Origination, Remote Deposit Capture, Positive Pay, Third Party Deposits, Lockbox or Courier.
  • 4 Overdraft line of credit through our MoneyPlus product, for those who qualify.