Personal MoneyPlus / Overdraft Protection

A superior line of credit that offers fast, easy access to funds

A Heritage Oaks Bank's MoneyPlus Credit Line1 offers a simple and convenient way to help you with your monthly cash flow. Plus, you can use it as a ready source of funds for major purchases, property taxes or to consolidate higher interest rate debt.


Personal MoneyPlus Features:

  • Available in four convenient amounts: $1,000, $2,500, $5,000, and $10,000
  • Automatically transfers available funds to your checking account when it becomes overdrawn
  • Flexibility to pay in full or over time
  • Fixed rate of interest and no maturity date
  • Auto-debit payments from your Heritage Oaks Bank checking account

Description Fee / Rate
Minimum Payment Due 5% of the outstanding credit balance or $25.00, whichever is greater
Annual Fee $25.00
Annual Percentage Rate (APR)      12.00%

At Heritage Oaks Bank, we deliver all our lending solutions with the diligence, expertise and service you have come to expect from us. Work with an expert who has a deep understanding of local markets and rates, a respect for the Central Coast community, and a proven commitment to local consumers.

To learn more about our Personal MoneyPlus Line of Credit, visit a Financial Services Representative at any of our Central Coast locations, or call 805.369.5200.

  • 1 All products subject to credit approval.