Universal Savings

Our Universal Savings Account allows you to easy access to your money without penalty. It's the perfect place to set aside money for those unexpected expenses or for a short term goal, and the perfect way for save for taxes or periodic expenses.

Account Features

  • $50 minimum deposit to open account
  • Interest paid on balances of $.01 or more
  • Semi-annual interest payment
  • Six free withdrawals allowed per month, $2 for each additional withdrawal
  • Auto transfer to or from checking
  • Debit card available*

Additional Features and Requirements

  • Average daily balance of $50 required to avoid $4 monthly service charge, fee waived for minors under age 18
  • Variable interest rate may change daily; Interest calculation is based on daily (collected) available balances and is compounded semi-annually
  • $30 fee if account is closed within 6 months of opening
  • Overdrafts & NSF: $27 per item
  • Preauthorized, telephone and Online Banking transfers are limited to a combined total of six per month as prescribed by federal regulations governing savings accounts

*Savings Account customers must also have a Heritage Bank NA checking account relationship in order to receive a debit card.

Add an HSA to your Health Care Plan


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