Mortgage Services

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.

Account Features:

Higher interest rates for your higher balances¹
No minimum balance
Unlimited check writing
Premier bank checks
eStatements
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.