Personal Banking
Economical checking with fee and pricing advantages for those 50 and better.

The Heritage Oaks Bank Fixed Advantage Checking account is ideal for people on a fixed income who want predictable monthly expenses. Get the same flexibility and accessibility of our other checking accounts, with the special considerations not available to clients younger than 50 years of age.

Account Features:
  • Tiered interest rates: the higher your balance, the higher your interest rate1
  • Unlimited check writing
  • Free ATM transactions2
  • Never a fee for debit purchase transactions2
  • Free Visa® Check Card
  • Free direct deposit setup
  • Free online banking
  • Free web bill pay3
  • Low opening deposit of $100
  • Free with an average monthly balance of $100
  • Otherwise, $5 per month
Plus:
  • Get one free order of standard checks per year, as you need them
  • Cut through the clutter with combined monthly statements
  • Get Traveler's Checks and Visa® Gift Cards with no added fees
  • Purchase up to 3 no-fee cashier's checks and money orders per month
  • Get 50% off a safe deposit box rental with auto payment
  • Experience the reassurance of our available overdraft credit line4

1Fees may reduce earnings. Rates subject to change.
2Other institutions may assess point-of-sale charges or surcharges.
3For your security, we'll discontinue web bill pay service after three months of inactivity.
4Overdraft line of credit through our MoneyPlus system, for those who qualify.
The perfect checking choice for people who meet the over-50 age requirement, and who want to get the most value from their checking account.


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