Personal interest Checking

An interest checking account where higher balances and higher 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 Personal Interest Checking account gives you the variety of features you need, without limiting your liquidity.


Account Features:

  • Higher interest rates for your higher balances
  • Free premier bank stock checks - or $8 credit on another style
  • Free Debit Card
  • Free Check Safekeeping - images available upon request
  • Two Cashier's Checks per month - free of charge
  • Two Traveler's Check orders per month - free of charge
  • Two VISA® Gift Cards per month - free of charge
  • Free Online Banking
  • Free Online Bill Pay
  • Free Mobile Banking2
  • Free Account Alerts
  • Free Combined Statement / eStatements available
  • Minimum opening deposit of $50

Service Charge: $10 per statement period or $12 with paper statement

Ways to Waive the Monthly Service Charge:

You must meet only ONE of the following to waive the service charge:

  • Maintain an average current balance of $2,000, OR 
  • Maintain an average monthly combined balance of $10,000, OR
  • 15 Debit Card transactions per statement period

To learn more about our Personal Interest 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 Heritage Oaks Bank does not charge for the Mobile Banking service; however, your wireless provider may charge for internet access and text messages. Please check with your wireless provider.
  • 3 Combined deposit balances exclude business account balances and certificate of deposit balances.