Simply Amazing Student Savings

Designed for young people developing their savings potential

This savings account is a great place to start learning to manage your money. And when you turn 18, whether continuing your education, joining the workforce, or making other plans, you'll find that we're still by your side.Start building funds and great savings habits today!

Account Features:

  • Earns interest2
  • Heritage Oaks Bank ATM card with $100 daily allowance4
  • Online banking
  • Six total withdrawals or transfers per month3
  • Unlimited free deposits
  • Minimum opening deposit of $25

Service Charge: None


  • Access your account anytime online or by phone
  • Increase ATM withdrawal to $300 a day with an adult co-accountholder4

To learn more about our Simply Amazing Student Savings account, visit a Financial Services Representative at any of our Central Coast locations or call 805.369.5200.

  • See Fee Schedule and Truth in Savings Disclosure for additional fees, charges, terms and conditions that may apply to your account.
  • 1 Account converts to Simple Savings on account holder's 18th birthday.
  • 2 A daily collected balance method is used to calculate the interest on your account. This method applies a daily periodic rate to the collected principal in the account each day. Interest will be compounded daily and will be credited to the account quarterly. Rate is variable and may change daily. Fees may reduce earnings.
  • 3 Pursuant to federal law pertaining to this type of account, there is a limitation of six (6) telephone, pre-authorized and/or automatic transfers and withdrawals during a calendar month. Heritage Oaks Bank charges $0.50 per withdrawals or transfer from the account beyond the first three (3) each quarter.
  • 4 Card replacement and merchant fees may apply.