LOG IN CONTINUE ENROLL PERSONAL ENROLL BUSINESS FORGOT USERNAME FORGOT PASSWORD MOBILE LOGIN OPEN NEW ACCOUNT Business Banking No matter what business you are in, Poppy Bank can tailor a package of products and services to easily meet your business needs. We put your excess funds to work and help balances grow. We offer programs to keep larger sums on deposit while maintaining the safety of FDIC Insurance on your total balance. Our check imaging service will provide you with the ability to view scanned images of cleared checks through our online banking program. Below is a variety of products and services you can find beneficial for your business: Business Checking Accounts Business Savings Accounts Business Money Market Accounts Business Online Banking Business Credit Cards Courier Service Merchant Services Safe Deposit Boxes ACH Origination Remote Deposit Capture Wire Transfers Lockbox Business Checking and Savings Accounts POPPY CARES CHECKING*** BUSINESS CHECKING BUSINESS INTEREST CHECKING POPPY BANK MERCHANT CHECKING BUSINESS SAVINGS BUSINESS MONEY MARKET Minimum Deposit $500 $500 $500 $500 $200 $2,500 Daily Minimum Balance Required to Waive Monthly Service Charge: No minimum balance required $2,500 $2,500 $15,000 $200 $5,000 Daily Minimum Balance Required to Earn Interest** Not interest bearing Not interest bearing $500 Not interest bearing No minimum (Tiered rate based on balance) $5,000 Interest Frequency N/A N/A Compounded Daily Paid Monthly N/A Compounded Daily Paid Monthly Compounded Daily Paid Monthly Monthly Service Charge: $0 $10 $12 $20** $2 $15 Transaction Limitations: Deposits and checks paid exceeding 100/$0.25 per item Deposits and checks paid exceeding 100/$0.25 per item Deposits and checks paid exceeding 100/$0.25 per item Deposits and checks paid exceeding 200/$0.25 per item 6 electronic withdrawals per month 6 electronic withdrawals or checks per month Online Wires Available Yes Yes Yes Yes No No Online Account Access No Monthly Service Charge Yes Yes Yes Yes Yes Yes Bill Pay No Charge Yes Yes Yes Yes N/A N/A Cash Handling Cash deposited/supplied exceeding $5,000 per month/$1.00 per $1,000 Cash deposited/supplied exceeding $5,000 per month/$1.00 per $1,000 Cash deposited/supplied exceeding $5,000 per month/$1.00 per $1,000 Cash deposited/supplied exceeding $15,000 per month/$1.00 per $1,000 Cash deposited/supplied exceeding $5,000 per month/$1.00 per $1,000 Cash deposited/supplied exceeding $5,000 per month/$1.00 per $1,000 Refer to the Business Schedule of Fee & Charges Disclosure for additional fees that may apply to your account. To obtain the annual percentage yield (APY) refer to the Deposit Account Rates sheet to determine the minimum balance you must maintain in your account for 365 days to obtain the annual percentage yield disclosed in each tier. *Savings and Money Market Accounts are allowed up to six (6) covered transfers per calendar month (including pre-authorized debits, online banking transfers, payments to thrid parties, telephone transfers, and point of sale transactions). There is no limit to the number of withdrawals made in person, by messenger, mail or phone. In the case of phone initiated, mail, and messenger withdrawals, the requested amount must be delivered by mail in a check made payable to the account holder. Excessive Activity: More than six (6) covered transfers per calendar month will incur a $5 fee per transaction. For checks written to third parties, the date of posting is used to determine excessive activity. **Poppy Bank Merchant Checking monthly service charge will be waived with an active enrollment in Merchant Card Services with Poppy Bank's preferred vendor, UMS. ***Poppy Cares Checking for community non-profit organizations only. Effective Date November 20, 2020 www.poppy.bank | (888) 636-9994 CONTACT US TO OPEN AN ACCOUNT Online Banking For the busy business owner, convenient, expedited methods of banking are a must. With Poppy Bank’s online banking, your bank is always at your fingertips, just a click away. Our online cash management solutions will allow you to quickly assess, monitor and resolve your cash flow needs twenty-four hours a day, seven days a week. To enroll, click here. Contact us if you have questions. Accurate, Up-To-Date Account Information Export Data To Spreadsheets And Money-Management Programs Bill Payment Feature Account Reconciliation Downloaded To Your Accounting System Automatic And On-Line Loan Payments Check Orders Funds Transfers Wire Transfers Remote Deposit Capture Stop Payments ACH Origination Positive Pay Security and Browser Requirements Security Issues: To help maintain security, you should close your browser when you have completed your Internet banking session. This will help prevent unauthorized persons from viewing your private account information. Never share your password. Browser Requirements To help ensure security and proper functionality, you must use a browser that meets or exceeds the following requirements: 128 bit encryption You must have Cookies and JavaScript enabled We support the latest browser versions of Internet Explorer, Google Chrome, Firefox, Safari, and Opera. We recommend you update your browser to the latest version. With our new website update, we’d like to remind you to update your browser. Updating your browser ensures you have the most up-to-date security and performance. New browsers have many advantages: Newer browsers have updated security against the most recent security risks. With an up-to-date browser, malicious websites have a tougher time accessing and damaging your computer through your browser Bugs are constantly being fixed and updated to provide a cleaner, sleeker, faster user experience Newer technologies allow you to use more features easier Older browsers may not be supported by some websites Business Services As you probably know, your most frequently accessed business tools are your checking and savings accounts. No matter what business you are in, Poppy Bank can tailor a package of products and services to easily maintain your cash management needs. We have processes to put your excess funds to work and help your balances grow. In addition, we offer programs to give you the ability to keep larger sums on deposit while still maintaining the safety of FDIC Insurance on your total balance. Our check imaging service will provide you with the ability to view images of your cleared checks through our online banking. For a minimal fee, we can produce a CD monthly with this information. Merchant Services Poppy Bank offers the following Merchant Services through a trusted partner: Processing Of Visa, AMEX, MasterCard, And Discover Clover Suite Of Point-Of-Sale Products Traditional And Mobile Terminal Solutions Virtual Terminals E-Commerce Tools For Online Shopping Carts Detailed Merchant Statement Product Specific Reporting Annual 1099 Reporting ACH/Check Imaging Payroll And Gift Card Services 24 Hour Technical Help Desk QuickBooks Integration Through Online Statements ACH Origination Poppy Bank’s Automated Clearing House (ACH) Network* is a highly reliable and efficient electronic funds transfer system that will significantly enhance the ease of doing business for your company. ACH Network features include: Direct Deposit of payroll for your employees Direct payment of bills such as mortgages, loans, utility bills and insurance premiums Business-to-business payments Automated collection of regularly scheduled payments to your business, such as homeowners fees or health club dues *Automated Clearing House (ACH) — The ACH is a network of regional associations, inter–bank associations, and private–sector processors. ACH payments are processed and settled electronically, thereby increasing reliability, efficiency and cost effectiveness. ACH payments are generally settled in one day or greater. Business Credit Cards Choose from our popular business credit card options such as low rate, cash back or flexible rewards to find the one that works best for your business. No matter which card you choose, your business will benefit from important features like: Free online expense reporting tools No fee for additional employee cards Mobile payment capability for added convenience Cardmember Service available 24 hours a day/365 days per year LEARN MORE APPLY FOR A BUSINESS CREDIT CARD MANAGE YOUR CREDIT CARD The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Business and Commercial Lending At Poppy Bank, we understand that every business is unique. Cash flow demands, capital requirements and business plans are exclusive to each business. Poppy Bank offers a full line of commercial lending products designed to meet your specific business needs. From the small manufacturer to the commercial real estate developer, we have the expertise to customize a solution to help your business prosper. We also offer SBA real estate loans, under both their 7(a) and 504 loan programs. As an SBA Preferred lender our real estate lending team is experienced, and will work with you to customize our programs to fit your individual wants and needs. Tired of having your real estate loan request put “into a box”? Give Poppy Bank’s flexible approach to lending a try! Small Business Lending Poppy Bank offers business owners our lending and financing expertise. Whether you’re expanding, refinancing debt or starting a new venture—we’re interested, experienced and focused on your success. If you have new opportunities and can benefit from improved cash flow, please contact us. Small Business Lending Programs: SBA 7(a) loans for the purchase or refinance of owner occupied commercial real estate, start-up business and expansion of existing business operations. These may include specialty property and other loans that may not qualify for conventional financing. SBA 504 loans primarily used to finance owner occupied commercial real estate. USDA loan programs are similar to the SBA programs however they are used to finance projects in rural communities where the population is 50,000 or less. SBA Express loans are lines of credit, equipment and/or inventory expansion up to $250,000. Paycheck Protection Program Poppy Bank is here as a resource for our community and is proudly accepting Second Draw PPP loan applications to help local businesses keep their doors open. Second Draw PPP Loans can be used to help fund payroll costs, including benefits. Funds may also be used to pay for mortgage interest, rent, utilities, worker protection costs related to COVID-19 and certain supplier costs and expenses for operations. For more information or to request an application please contact us today at PoppyCARES@poppy.bank FIND A LOAN OFFICER Commercial Lending Commercial Lending Programs: Commercial Real Estate for the purchase or refinance of commercial property, including industrial, retail and office. Multi-family financing. Lines of Credit – Typically revolving lines of credit for inventory purchases, supplemental cash flow or receivable financing. Equipment loans for the purchase of new or used equipment for your business. Construction loans for commercial buildings including office, retail, multi-family and industrial. FIND A LOAN OFFICER Commercial Property Assessed Clean Energy (C-PACE) Financing A New Solution to Bring You More Liquidity Poppy Bank is pleased to offer Commercial Property Assessed Clean Energy financing for energy-efficient and renewable energy projects. C-PACE financing may cover up to 100% of project expenses with up to 30 year terms and interest-only options. We work with building owners, developers, and investors to provide the best solutions for energy-efficient and environmentally sustainable building enhancements that can bring more liquidity, improve cash flow, reduce energy consumption, and promote job generation. LEARN MORE ABOUT POPPY BANK'S C-PACE PROGRAMS Small Business Lenders Wayne Wirth SVP, Small Business Lending Mr. Wirth oversees Poppy Bank's Small Business Lending Division and has 33 years of lending experience. He specializes in assisting clients in all industries to secure Small Business Loans to meet their business and personal goals. Mr. Wirth’s focus is on facilitating the acquisition, development and refinancing of commercial real estate, equipment financing, business acquisition loans, along with financing other business needs. Office: (916) 945-2157 Cell: (818) 426-3565 Email: wwirth@poppy.bank Joan Earhart SVP, SBL Regional Manager Ms. Earhart has over 30 years of experience lending to businesses of all sizes and types. SBA 7a and 504 real estate lending is her specialty, from professional practices to manufacturers, special purposes properties to office and industrial properties. She has worked closely with the SBA to improve their loan programs and prides herself on making the process as quick and easy as possible. Cell: (714) 813-0142 Email: jearhart@poppy.bank Yvonne Santos VP, SBL Regional Sales Manager Ms. Santos has over 20 years of commercial lending experience from large banking institutions to community lending. Yvonne brings credit expertise from a wide range of industries. With a niche in SBA lending she works to set standards for businesses to utilize the 504 and 7a products to grow their business. She has a Bachelors of Science in Business Administration from the University of Southern California. Cell: (323) 896-0213 Email: ysantos@poppy.bank Mario Campbell VP, SBL Loan Officer Mr. Campbell has more than 35 years of experience in the banking industry, with more than 20 of those years specializing in the SBA 7(a), 504 and USDA lending arenas. His strong communication skills have created lasting relationships and provided consistent success in closing loans. His main focus is providing business owners with the opportunity to grow their businesses in all types of industries, including ground-up construction. Office: (800) 701-6663 Cell: (973) 417-5091 Email: mcampbell@poppy.bank Scott Johnson VP, SBL Loan Officer With more than a decade of commercial lending experience, Mr. Johnson has helped numerous business owners achieve their goals by utilizing SBA financing. His extensive lending expertise has assisted in pushing difficult deals across the finish line. Mr. Johnson earned his degree in economics from Harvard University. Office: (818) 821-4465 Email: sjohnson@poppy.bank Matthew Kang VP, SBL Loan Officer Mr. Kang has more than 20 years of business development and banking experience specializing in SBA programs. He recieved his degree in psychology from the New York Institute of Technology and serves on the board for Korean Community Services. Mr. Kang is also fluent in Korean. Office: (646) 739-3330 Email: mkang@poppy.bank DJ King VP, SBL Loan Officer Mr. King has nearly 20 years of lending experience specializing in SBA 504 programs and conventional lending. He also spent many years as a credit analyst and received a dual degree in economics and financing from Utah State University. Office: (801) 472-4921 Email: dking@poppy.bank Chris Pihl VP, SBL Loan Officer Mr. Pihl has over five years of lending experience and specializes in the SBA 7a and 504 programs. He has a strong credit background holding various positions in underwriting prior to joining Poppy Bank. Chris received his Bachelor’s Degree in Business Administration with an emphasis in Financial Management from Sonoma State University. Office: (714) 551-5479 Cell: (714) 403-6008 Email: cpihl@poppy.bank Tommy Thongsarn VP, SBL Loan Officer Mr. Thongsarn has 10 years of SBA, USDA and CRE lending experience. He provides excellent customer service and specializes in assisting clients with securing small business loans in the areas of industrial, office, hospitality, gas stations, and auto-use. Cell: (562) 882-4949 Email: tthongsarn@poppy.bank Business and Commercial Lenders Ty Tsai SVP, Regional Commercial Banking Manager Mr. Tsai has more than 30 years of retail and commercial banking experience. He previously held senior management positions at various financial institutions where he oversaw SBA, retail and commercial banking, marketing, strategic planning, and risk management. Mr. Tsai holds a bachelor’s degree in Finance from California State University, Dominguez Hills, and an MBA from University of Southern California.. Office: (714) 551-5418 Email: ttsai@poppy.bank Cynthia Duong VP, Commercial Loan Officer Ms. Duong has more than 14 years of banking experience including 7 years in commercial lending. Her expertise is in business development and portfolio management, specializing in commercial real estate lending, equipment financing, business acquisition and SBA financing for small- to medium-size businesses. Ms. Duong is also fluent in Cantonese. Cell: (626) 503-9098 Email: cduong@poppy.bank Becky Ettinger VP, Commercial Loan Officer Ms. Ettinger brings more than 10 years of Commercial Real Estate lending experience to Poppy Bank. She was previously with another financial institution where she managed lending portfolios and business consulting. Ms. Ettinger was awarded the Women in Leadership Award presented by the Sonoma Valley Chamber of Commerce. Office: (707) 636-9015 Cell: (707) 975-9323 Email: bettinger@poppy.bank Jonathan Graves VP, Commercial Loan Officer Mr. Graves has 11 years of lending experience. He focuses on commercial real estate lending. Graves works with businesses looking to purchase real estate as well as real estate investors looking to start or add to their portfolio. Office: (707) 636-9057 Cell: (707) 953-1380 Email: jgraves@poppy.bank Celia King VP, Commerical Loan Officer Ms. King has more than 20 years of banking experience including nearly 10 years in commercial lending. Her specialty includes business development, relationship management, tax & financial accounting, financial analysis, underwriting, CRE and C&I lending. Ms. King holds a B.A. in Business Administration/Accounting from Dominican University and serves as treasurer for Analy High School Education Foundation where she is also a member of the Athletic Boosters. Office: (707) 636-9119 Cell: (707) 695-3278 Email: cking@poppy.bank Simon Oh VP, Commercial Loan Officer Mr. Oh has been helping business owners and property investors grow their businesses for almost 30 years. His expertise includes conventional and SBA loans for owner-occupied and investor properties. He is actively involved and well-respected in the greater Los Angeles area and fluent in Korean. Office: (562) 508-5263 Email: soh@poppy.bank Evelynn Porter VP, Commercial Loan Officer NMLS ID# 798471 Ms. Porter has more than 20 years of banking experience with 16 years as a loan officer. She specializes in small-to-medium sized businesses that are growing or stabilizing. Clients she manages range from steel fabrictors to wineries and real estate investors. Office: (707) 636-9748 Cell: (707) 337-6434 Email: eporter@poppy.bank Scott Shapiro VP, Commercial Loan Officer Mr. Shapiro has a 15-year career in commercial finance. He specializes in all forms of commercial lending (including SBA) for real estate, equipment, tenant improvement, and working capital needs. His typical clients are small- and medium-size businesses with a particular focus in the food, wine, healthcare, franchise, and craft beer industries as well as commercial property investors. Office: (707) 636-9745 Cell: (707) 721-2052 Email: sshapiro@poppy.bank Derek Shen VP, Commercial Loan Officer Mr. Shen has more than 20 years of experience in CRE & C&I. He began his career servicing, processing, and underwriting SBA loans and has since become a trusted advisor offering solutions in debt structure, global trade, leasing, capital market and treasury to many clients. Mr. Shen graduated from the University of California, Riverside and holds a B.S. in Business Administration/Finance. He is also fluent in Mandarin and Taiwanese. Cell: (909) 990-7229 Email: dshen@poppy.bank Your Choices Regarding Cookies on this Site Poppy Bank respects your privacy. We use cookies for a variety of purposes, such as website functionality, improving your experience of our website, building integration with social media and helping target our advertising. By continuing your visit on our website, you are consenting to our use of cookies. PRIVACY POLICY CONTINUE TO SITE How can we help you? FIND A BRANCH CONTACT US ROUTING NUMBER: 121143891 © 2021 POPPY BANK. ALL RIGHTS RESERVED. 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