Malicious malware and scammers are constantly finding different ways to reach their targets. Whether it is via text scams (Smishing) or voice phone calls (Vishing), it is wise to educate yourself and be smart about what actions you take. As always, the first line of defense against cyber attacks is the user. SMS or Text…
You can now freeze or unfreeze your credit for free, thanks to a new federal law that went into effect on September 21, 2018. Although the ability to freeze your credit was already free in some states, it is now available in all states across the nation. “If you have been subject to any level of identity…
Our Customer Service team can answer all your questions about the eCentive Account! Here are answers to some frequently asked questions to get you started! Q: DO I HAVE TO LIVE IN THE UNITED STATES TO OPEN AN ECENTIVE ACCOUNT?|| A: At this time, we can open accounts for U.S. Citizens and Resident Aliens. We are not…
Here are some helpful answers compiled by our Jumbo Deposit Account specialists. We invite you to consider this great interest-bearing account with flexible options to ensure even your largest deposits can be fully FDIC insured. Q: DOES THE JUMBO DEPOSIT REQUIRE A MINIMUM BALANCE?|| A: There is no minimum balance requirement, but larger deposits earn higher interest…
When I talk with farmers, I always ask them about their goals. It may be what their goal is for a specific project they are working on. Sometimes, we discuss “big picture”-type goals for the farm as a whole. No matter what type of farm you have or what stage you or your farm are…
Please pay close attention to this notice if you have a loan at Heritage Bank NA with an Escrow Account….. Our loans with escrow accounts are analyzed once per year to make sure we have sufficient funds to pay taxes and insurance throughout the year. This affects customer payments starting with the July mortgage payment. …
For the past two years the U.S. House and Senate have been holding hearings and listening sessions on the next Farm Bill. The current Farm Bill, which was enacted in 2014, and governs USDA programs from 2014-2018, expires on September 30, 2018. Release of specific Farm Bill proposals by Congress have been quite slow, leaving…
Normally by mid-April, midwest farmers have either begun spring fieldwork, or are within days of the beginning of the planting season for the year. However, 2018 seems to be the “Winter that never ends,” as another major snowstorm hit Minnesota and surrounding States this past weekend. Temperatures have been extremely cold during the first half…
First-time home buyers are both excited and nervous! There’s so much to learn, steps to take, research to do and then the big decision! It starts with the preparation and budgeting. Figuring out how to make the transition, when, where and what price point should be looked at. It can be overwhelming. The first step…
As people start heading off to vacations in different places, there are a few things everyone should remember when it comes to keeping your spending money safe on vacation. Click “Manage Cards” on our Digital Banking and that provides the ability to turn your debit card off and on and actively manage your usage by…
It’s cold outside, winter is here, we’ve wrapped up the Holidays and less people are out and about. Yes, this is all true because we live in the midwest! So how do the winter months affect the housing market and what does that mean for you as a buyer? Have you ever heard this said,…
