Simple savings

The practical, flexible solution for reaching your savings goals

We recognize the simple things in life are often the best. Our FDIC-insured Simple Savings account is a great option for first time savers 18 and up, or anyone who wants convenient access to their money.

Account Features:

  • No service charge on average quarterly balances over $250.001
  • 3 free debits per quarter2
  • Free ATM card
  • Unlimited free deposits
  • Free Online Banking
  • Low opening deposit of $100.00


  • Access your account anytime online or by phone
  • Avoid overdraft fees and link your Simple Savings account to your
    checking account for those occasional overdrafts3
  • Access your checking and your savings account with a single ATM card
Let us help you meet your savings goals, whatever your asset level! Expect Simple Savings - expect more with Heritage Oaks Bank.
  • 1 Below $250.00 average quarterly balance, $6.00 per quarter.
  • 2 Debits beyond three are $2.00 each.
  • 3 Sweep withdrawals are subject to Federal Regulation D, which limits the number of transfers / withdrawals you make from your account to no more than 6 per statement period.