Simple Business Savings

The practical, flexible solution for reaching your business savings goals

At Heritage Oaks Bank, we recognize that the simple things in life are often the best. Our Simple Business Savings account is a great option for any business owner who wants convenient access to their money.

Account Features:

  • No service charge for quarterly balances over $2501
  • 3 free debits per quarter2
  • Free ATM card or debit card3
  • Unlimited free deposits
  • Free Online Banking
  • Minimum opening deposit of $100


  • Access your account any time online or by phone
  • Avoid overdraft fees and link your Business Savings account to your checking account to cover those occasional overdrafts4 
  • Access your linked savings and checking accounts with a single ATM card

To learn more about Simple Business Savings accounts, 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.

  • See Fee Schedule and Truth in Savings Disclosure for additional fees, charges, terms and conditions that may apply to your account.
  • A daily collected balance method is used to calculate the interest on your account. This method applies a daily periodic rate to the collected principal in the account each day. Interest will be compounded daily and will be credited to the account quarterly. Rate is variable and may change daily. Fees may reduce earnings.
  • 1 Below $250.00 quarterly balance, $6.00 per quarter.
  • 2 Debits beyond three are $2.00 each.
  • 3 Replacement card and merchant fees may apply.
  • 3 Withdrawals are subject to Federal Regulation D, which limits the number of transfers / withdrawls you may make from your account to no more than 6 per statement period.