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 FDIC-insured 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 $250.001
  • 3 free debits per quarter2
  • Free ATM card
  • Unlimited free deposits
  • Free Online Banking
  • Low opening deposit of $100.00


  • 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 overdrafts3 
  • Access your linked savings and checking accounts with a single ATM card
Let us help you meet your savings goals, whatever the asset level of your business. Expect Business Savings. Expect more with Heritage Oaks Bank.
  • 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.
  • 1 Below $250.00 quarterly balance, $6.00 per quarter.
  • 2 Debits beyond three are $2.00 each.
  • 3 Sweep 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.