The Services You Need, the Service You Deserve
Personal Banking

Heritage Oaks Bank offers a variety of credit cards to meet you needs. Become a card member and enjoy a wide range of benefits including competitive introductory rates and your choice of rewards programs. Click the link below to learn more and apply online.

Learn More  >

Online Account access provides the quickest and easiest way to:

  • Activate your credit card
  • Make payments
  • Transfer balances
  • Request limit increases
  • View Statements
  • And much more

Once you receive your credit card, simply access your account by clicking on the link below.

Access Account  >