Blue Circle Banking

Blue Circle Banking is a special package offered to our Heritage Bank mortgage customers. Your business is important to us, and we truly appreciate the loyalty and confidence you’ve shown us by choosing Heritage Bank for your home loan. We’ve put together this special package of benefits as our way of saying thanks, and we hope you’ll find Blue Circle Banking to be a true asset to your financial portfolio. As always, Heritage Bank is committed to helping you achieve financial success. We look forward to serving you!


Blue Circle Banking offers you the following perks and incentives, just for having a mortgage account with Heritage Bank:

  • eCentive™ Account
    • Our highest checking rate1
    • ATM fee refunds up to $25/month1
    • Free online bill pay
  • First box of specialty wallet checks free or 50% off any other style of checks
  • Photo Debit Card
  • Interest rate discount of -.25% on personal loans or Home Equity Line of Credit2 (when payment is automatically deducted from your eCentiveTM Account)
  • Interest rate bonus of +.25% on CDs (with two other Heritage Bank accounts)
  • $200 discount on closing costs for first mortgage(when mortgage payment is automatically deducted from your eCentiveTM Account)

In addition, you also receive these benefits:

  • Free investment analysis from Heritage Financial Services3
  • Free insurance checkup (In IA with Heritage Financial Services and in MN with Pioneer Heritage Insurance)
  • No annual fee VISA® Signature Card with unlimited 1% cash back, or your choice of travel, merchandise or gift certificate rewards2
  • Free Online Banking
  • Free Mobile Banking
  • Free Notary Service
  • Overdraft Line of Credit2


1To qualify for higher rate and nationwide ATM refunds up to $25 per month, you must: (1) make 10 or more debit card transactions that will post to your account each month (excluding ATM transactions), (2) have at least one direct deposit or automatic payment (ACH), (3) receive eStatements.

2Subject to credit approval

3Securities and investment advisory services offered through Cambridge Investment Research, Inc., a Broker/Dealer, Member FINRA/SIPC. Investment Advisor Representative, RDA Financial Network, Inc. a Registered Investment Advisor. Cambridge, RDA Financial Network, and Heritage Bank are not affiliated.

3Investments are not FDIC insured, not a deposit, not bank guaranteed, may lose value, and not insured by any Federal Government.

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