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.
- Higher interest rates for your higher balances1
- 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 $10,0003 , 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.