Poppy Bank


Overview / Commentary
707-636-9000
438 First Street
Santa Rosa, CA 95401

Poppy Bank is headquartered in SANTA ROSA and is the 17th largest bank in the state of California. It is also the 234th largest bank in the nation. It was established in 2005 and as of September of 2024, it had grown to 233 employees at 30 locations. Poppy Bank's savings rates are 9X the national average, and it has a B health rating.

Related Posts

Poppy Premier Online Savings Droops To 4.50% APY - 1/3/2025

Poppy Premier Online Savings Droops To 4.50% APY as of 1/3/25

Poppy Premier Online Savings Droops To 4.75% APY - 11/25/2024

Interest will be compounded daily and credited to your account monthly. Any withdrawals after the first six (6) will result in a per withdrawal fee of $5.00. Funds requested to be transferred out of your Poppy Bank account will only be approved and processed if they are being returned to the account used to fund your new Savings account. 

Poppy Premier Online Savings - 10/21/2024

Existing customers earning 5.50% APY before September 27th, 2024... New Customers on or after September 27th, 2024 earning 5.00 APY...

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More Like Poopy Bank

Posted by: |

Like some other reviewer said, dealing with the employees at this poopy bank was a nightmare. Infinite holds and then hang ups are the norm. Dont even expect that someone will respond to the messages you left for them. Some of them dont even know what a credit bureau is or what a credit report is, the level of ignorance and arrogance I saw was surprising from this poopy bank.

The worst is so called chief banking officer of this poopy bank, Michael Finn, he flat out lies in response to complaints and then cries that his feelings got hurt. If you lie, some people are going to call you out for lying. So 2 easy solutions, either stop lying or start wearing diapers because sooner or later you are going to get caught with your pants down and with poop in your pants, and the whole world will know what kind of poopy bank you are running.

60 Day Hold Rule

Posted by: |

I made a request online to transfer funds from my Poppy Bank Premier Online Savings Account to an external bank account. I received a call from the Operations Dept. informing me that I could not transfer the full amount requested because deposits that were less than 60 days old are not eligible to be transferred out of Poppy Bank. Why? This is a savings account, not a 60 days CD! Is that even legal?

Pathetic ACH Limits

Posted by: |

They may have the highest interest rate but they certainly do not want you to deposit any funds
ACH limits when originated from Poppy are 10k per transaction, 30k monthly to any outside institution.

Poppy Bank Has Compromised My Security By Sharing My Sensitive Private Information With The Foreign Nationals At Chex Systems!

Posted by: |

Upon applying for the account, I was assured by poppy bank's staff and the Chief banking officer, Michael Finn that my Government protected sensitive information would not be shared with a third party like the Chex Systems. Then later I found out that my private information was shared with the Chex Systems that operates with all foreign national staff in India and posting all the private information of the individuals on their website with a little to no security. I left a message for Michael Finn at the bank, but he did not return my call. Now I have to deal with the consequence of their action.

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Health

Health Grade Components

Overall
FDIC Certificate #57903
Year Established2005
Employees233
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.8%
Return on Equity - YTD8.83%
Annual Interest Income$265.1MM
Assets and Liabilities
AssetsQ3 2024vs Q3 2023$6.52B$5.74B
LoansQ3 2024vs Q3 2023$4.58B$3.71B
DepositsQ3 2024vs Q3 2023$5.2B$4.44B
Equity CapitalQ3 2024vs Q3 2023$585.7MM$516.8MM
Loan Loss AllowanceQ3 2024vs Q3 2023$84.3MM$85.2MM
Unbacked Noncurrent LoansQ3 2024vs Q3 2023$102.4MM$21.9MM
Real Estate OwnedQ3 2024vs Q3 2023$4.2MM$9.4MM
Rates
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Always verify rates and promotions with the bank or credit union. We are not Poppy Bank; we are a rate comparison website and cannot provide official rates or promotions.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

Poppy Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.50%$1k-Premier Online Savings
4.25%$50-Poppy Student Savings
0.50%$1k-Premier Personal Savings
0.50%$2.5k-Premier Business Savings
0.20%$0-IRA Savings
0.10%$1k-Personal Savings
0.10%$2.5k-Business Savings

Poppy Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$1k-Personal Money Market
0.10%$2.5k-Business Money Market

Poppy Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.46%$0-IOLTA Account
0.05%$1k-Personal Interest Checking
0.05%$2.5k-Business Interest Checking
0.05%$2.5k-Business Poppy Cares Checking

Poppy Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$1k-12 Month CD
4.00%$1k-3 Month CD
4.00%$1k-6 Month CD
4.00%$1k-9 Month CD
3.75%$1k-24 Month CD
3.75%$1k-18 Month CD
3.75%$1k-36 Month CD
3.75%$1k-48 Month CD
3.75%$1k-60 Month CD

Poppy Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$1k-6 Month IRA
4.00%$1k-12 Month IRA
4.00%$1k-3 Month IRA
4.00%$1k-9 Month IRA
3.75%$1k-18 Month IRA
3.75%$1k-24 Month IRA
3.75%$1k-36 Month IRA
3.75%$1k-48 Month IRA
3.75%$1k-60 Month IRA
Locations

Availability



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