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Source: https://www.poppy.bank/personal-accounts/
Read: 2026-10-22T12:05:21.000Z

Personal Checking Accounts | Poppy Bank Your browser does not support the video tag.
Annual Percentage Yield (a) : 0.25%
Annual Percentage Yield (a) : 0.50%
Annual Percentage Yield (a) : 1.00%
Feature | Poppy Select | Poppy Reserve | Poppy Legacy | Poppy Elite | Poppy Student
Minimum Balance Requirement | $500 | $10,000 | $25,000 | $50,000 | $50
Interest Rates (a) | N/A | 0.24% | 0.49% | 0.99% | N/A
Annual Percentage Yield (a) | N/A | 0.25% | 0.50% | 1.00% | N/A
Monthly Service Fee (Free if minimum balance requirement is met) | $10 | $20 | $40 | $50 | Free
Paper Statement Fee (Free if electronic statements are elected) | $5 | $5 | $5 | $5 | Free
Online Banking & Transfers | ✓ | ✓ | ✓ | ✓ | ✓
Bill Payment & Zelle | ✓ | ✓ | ✓ | ✓ | ✓
Approximately 40,000 Surcharge Free ATMs ( Find an ATM ) | ✓ | ✓ | ✓ | ✓ | ✓
Earn up to 1.00% APY on your checking – among the highest rates available.
Feature | Poppy Premier Personal Savings (b) | Poppy IRA Savings | Poppy Student Savings | Poppy Blooms Youth Savings | Poppy Personal Money Market
Minimum Balance Requirement | $1,000 | $1,000 | $50 | $0 | $1,000
Interest Rate (a) | 0.49% | 0.20% | 3.44% | 3.92% | 0.10%
Annual Percentage Yield (a) | 0.50% | 0.20% | 3.50% | 4.00% | 0.10%
Monthly Service Fee: | Free | Free | Free | Free | $10
Monthly Paper Statement Fee: (Free if electronic statements are elected) | $5 | $5 | Free | Free | $5
Features | 3-MONTH CD | 6-MONTH CD | 9-MONTH CD | 12-MONTH CD
Minimum Balance Requirement | $1,000 | $1,000 | $1,000 | $1,000
Interest Rate (a) | 4.16% | 4.16% | 4.16% | 4.16%
Annual Percentage Yield (a) | 4.25% | 4.25% | 4.25% | 4.25%
Automatically Renews at Maturity (c) | ✓ | ✓ | ✓ | ✓
Free Online/Mobile Banking Access | ✓ | ✓ | ✓ | ✓
Statement Frequency | Quarterly | Quarterly | Quarterly | Quarterly
Early Withdrawal Penalty (d) | ✓ | ✓ | ✓ | ✓
Features | 18-MONTH CD | 24-MONTH CD | 36-MONTH CD | 48-MONTH CD | 60-MONTH CD
Minimum Balance Requirement | $1,000 | $1,000 | $1,000 | $1,000 | $1,000
Interest Rate (a) | 4.16% | 4.16% | 4.16% | 4.16% | 4.16%
Annual Percentage Yield (a) | 4.25% | 4.25% | 4.25% | 4.25% | 4.25%
Automatically Renews at Maturity (c) | ✓ | ✓ | ✓ | ✓ | ✓
Free Online/Mobile Banking Access | ✓ | ✓ | ✓ | ✓ | ✓
Statement Frequency | Quarterly | Quarterly | Quarterly | Quarterly | Quarterly
Early Withdrawal Penalty (d) | ✓ | ✓ | ✓ | ✓ | ✓
Features | 6-MONTH IRA CD | 9-MONTH IRA CD | 12-MONTH IRA CD | 18-MONTH IRA CD
Minimum Balance Requirement | $1,000 | $1,000 | $1,000 | $1,000
Interest Rate (a) | 4.16% | 4.16% | 4.16% | 4.16%
Annual Percentage Yield (a) | 4.25% | 4.25% | 4.25% | 4.25%
Automatically Renews at Maturity (c) | ✓ | ✓ | ✓ | ✓
Free Online/Mobile Banking Access | ✓ | ✓ | ✓ | ✓
Statement Frequency | Quarterly | Quarterly | Quarterly | Quarterly
Early Withdrawal Penalty (d) | ✓ | ✓ | ✓ | ✓
Features | 24-MONTH IRA CD | 36-MONTH IRA CD | 48-MONTH IRA CD | 60-MONTH IRA CD
Minimum Balance Requirement | $1,000 | $1,000 | $1,000 | $1,000
Interest Rate (a) | 4.16% | 4.16% | 4.16% | 4.16%
Annual Percentage Yield (a) | 4.25% | 4.25% | 4.25% | 4.25%
Automatically Renews at Maturity (c) | ✓ | ✓ | ✓ | ✓
Free Online/Mobile Banking Access | ✓ | ✓ | ✓ | ✓
Statement Frequency | Quarterly | Quarterly | Quarterly | Quarterly
Early Withdrawal Penalty (d) | ✓ | ✓ | ✓ | ✓
(a) The Annual Percentage Yield (APY) is accurate as of September 24, 2026. Rate may change after account is opened. Refer to Terms and Conditions of your account disclosures for additional information pertaining to your account. Fees and withdraws of principal or interest could reduce earnings. Interest is compounded daily and credited to the account monthly. The daily balance method is used to calculate interest on the account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day when non-cash items are deposited (e.g. checks). The minimum balance requirement must be maintained in the account each day to obtain the disclosed annual percentage yield, as interest is only earned on days when the minimum balance requirement is met. If the account is closed before interest is credited, accrued interest will be paid to the account holder.
(d) We will impose a penalty if you withdraw any of the principal from your account before the maturity date. The fee imposed will equal 3.00% of the principal amount withdrawn early.