Expect the Best Checking
An interest checking account where higher balances and earned interest go hand-in-hand
Earn higher interest for your higher balances and get loads of extras, while preserving immediate access to your money. A Heritage Oaks Bank Expect the Best Checking account gives you the breadth of features you need, without limiting your liquidity.
- Higher interest rates for your higher balances1
- No minimum balance
- Unlimited check writing
- Premier bank checks
- On-the-go Banking
- Minimum opening deposit of $50
- Your choice of overdraft protection plans
- Cashier's Checks, Traveler's Checks and VISA® Gift Cards (two per month)
Service Fee: $10 per statement period (or $12 with paper statement)
3 Ways to Waive the Service Fee:
- Maintain an average current balance of $2,000, OR
- 15 Debit Card transactions per statement period, OR
- Maintain an average monthly combined balance of $10,0002
To learn more about our Expect the Best Checking account, visit a Financial Services Representative at any of our Central Coast locations or call 805.369.5200.
- 1 Fees may reduce earning. Rates are variable and may change daily.
- 2 Combined deposit balances exclude certificate of deposit balances.