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Business Checking Accounts for Ag Businesses

Your Ag Team has a firm commitment to serving the unique needs of area crop farmers, livestock producers, and rural home owners.

Whatever your needs, Heritage Bank has a checking account for you.

Account Name Good For Minimum Balance Monthly Fee Paper Items Electronic Items Earnings Credit
Low Activity Checking Non-profits, clubs, sole proprietors None None Checks (debits) & Deposited checks:
First 50 free; then $.50/each
Free None
Small Business Checking For farm businesses with moderate activity levels None $10.00* Checks (debits):
First 35 free: then $.25/each
Deposited checks:
FirstĀ 75 free; then $.25/each
Free 91 Day T-Bill**
Commercial Checking For farm businesses with high activity levels None $15.00* Checks (debits):
Deposits (credits):
$.20/each Deposited checks:
Free 91 Day T-Bill**


Your Ag Team at Heritage Bank will get involved with your total operation, offering solutions based on knowledge, experience, and trust. Not sure which account is best for you? Stop in and visit one of our Customer Service Representatives (CSRs).

Apply Online

* Non-profit organizations with 501(c)(3) status do not pay the monthly fee on two checking accounts. In addition, Heritage Bank will apply a $50 credit each month toward the analysis charges. This credit is available on a per-business basis.

**Monthly earnings credit is based on the average available balance. This earnings credit helps to reduce or pay-in-full the monthly maintenance and item charges. Any excess can be carried over each month (throughout the calendar year) or paid as interest monthly.

Routing Number: 091914710