Regular Checking

A simple checking account that leaves you free from worry

Regular Checking is an everyday personal checking solution that is loaded with additional benefits. This account is right for you if you have direct deposit or keep the balance requirements.


Account Features:

  • Free bank stock checks - one order per year; or $8 credit on another style
  • Free Debit Card
  • Free Check Safekeeping - images available upon request
  • Free Online Banking
  • Free Online Bill Pay
  • Free Mobile Banking1
  • Free Account Alerts
  • Free Combined Statement / eStatements available
  • Minimum opening deposit of $25

Service Charge: $5 per statement period or $6 with paper statement

Ways to Waive the Monthly Service Charge

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

  • $750 minimum daily balance, OR
  • $1,500 average daily balance, OR
  • Direct Deposit or other ACH credit of $250

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

  • 1 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.