Basic Checking

A simple low fee checking account

This is the ideal checking account for those who prefer not to worry about meeting balance requirements or other required activities. At only $3 per month, this account is filled with additional benefits including an order of free checks.


Account Features:

  • Free first order of bank stock checks; or $8 credit on another style
  • Free Debit Card1
  • Free Check Safekeeping - images available upon request
  • Free Online Banking
  • Free Online Bill Pay2
  • Free Mobile Banking3
  • Free Account Alerts
  • Free Combined Statement / eStatements available
  • Minimum opening deposit of $25
  • $3 monthly service charge

To learn more about our Basic Checking account, visit a Financial Services Representative at any of our Central Coast locations or call 805.369.5200.

  • See Fee Schedule and Truth in Savings Disclosure for additional fees, charges, terms and conditions that may apply to your account. This account does not earn interest.
  • 1. Replacement card and merchant fees may apply.
  • 2. Fee may apply for expedited check and ACH requests.
  • 3. Heritage Oaks Bank does not charge for the Mobile Banking service; however, your wireless provider may charge for internet access and text message. Please check with your wireless provider.