text message balance inquiries

It's as simple as it sounds - send us a text message and we'll send you your real-time account balance. Register your mobile phone and access the balance to the account linked to your Heritage Oaks Bank Visa® Debit Card.


How do I get started?

Step 1: Register your phone. Click the "Get Started" button to access the registration page.

Step 2: We'll need your mobile phone number and the name of your carrier

Step 3: You'll recieve a text message with a handset verification code. This helps us verify that we have your correct phone number and that you have your phone in your possession. Enter the code in the space provided on the registration website.

Step 4: Add your debit card number and provide a nickname for the account. Register NowThe nickname is for your own use to identify the account . If you register more than one debit card with your cell number - and therefore more than one account - you'll need to know the nickname when requesting the acccount balance.

Step 5:Two small deposits will be made to the account linked to your debit card. This is done to verify the account. Simply log-on to Online Banking, use telephone banking or call us at 805.369.5200 option 4, to retrieve those amounts. Enter the amounts onto the registration page and you're done!

Now you're ready to start accessing your balance in a jiffy!

Text BAL to 42265.  If you added multple accounts, text BAL [nickname] to 42265

Note: Text Balancing is FREE with your account, but text messaging rates apply based on your mobile phone plan and carrier.