Personal Checking Accounts eCentive Account

Current Rates Thursday, September 02, 2010 1.87% Qualification APY 0.10% Base APY

The eCentive Account is a high-interest checking account with no minimum balance, and refunds on your ATM fees! Open an account with $50 or more today!

Your Rewards

• Earn our highest yielding checking interest rate, currently 1.87% APY*, on balances up to $25,000.
• Automatic refunds of your ATM fees, nationwide! (maximum of $25 per month)

How You Qualify

• Make 10 or more check card transactions each month (excluding ATM transactions)
• Have at least one direct deposit or automatic payment (ACH) each month
• Receive a monthly E-Statement

Even if you don't meet the monthly qualifications, you still receive:

• Free checking account with no minimum balance and no monthly fees
• 0.10% APY

How to open a new account or convert an existing account
Opening an account online is easy. Learn more about how to open a new account or how to convert an existing Heritage Bank checking account, including information you'll need to apply.

Additional Features

• Interest paid on balances of $.01 or greater
• When the eCentive Account qualifications are met, balances up to $25,000 will earn the qualification rate for the entire statement cycle. Balances over $25,000 will receive the base rate of interest.
• Free Visa Check Card**
• The Annual Percentage Yield (APY) is in effect as of Thursday, September 02, 2010. Rates may change without notice after account is opened. Fees may reduce earnings
• If you do not meet the qualifications during a monthly statement cycle you will earn the Base APY of 0.10% and will not receive ATM refunds for that time period
• Available to personal accounts only
• Variable interest rate may change daily; Interest calculation is based on average available (collected) balances and is compounded monthly
• If you close your account before interest is credited, you will not receive the accrued interest
• Overdrafts and NSF: $27 per item
• $25 fee if account is closed within 90 days of opening
• For more details, see our Account Terms and Conditions

Important Information About Procedures for Opening a New Account
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

During the approval process it may be found that additional information or documentation may be necessary in order to open the account. We will contact you for any additional information needed to open your account.

Account Disclosure
Federal banking regulations require that you read the account disclosure when you apply for a bank account. Click here to read the eCentive Account Terms and Conditions.

**$1/transaction if used at non Shazam ATMs.