QR codes have become part of everyday life. We use them to pay for parking, view restaurant menus, access promotions, and manage accounts. But as QR codes grow in popularity, scammers have found new ways to abuse them. Quishing is a form of phishing that uses QR codes instead of traditional links. Instead of clicking…
Tom Geiger passes the CEO role to Bob Mathiasen [Spicer, MN / Sioux Falls, SD] — Heritage Bank, N.A. announced today that Robert W. Mathiasen has been appointed Chief Executive Officer, effective April 1, 2026. Mathiasen, who has served as Chief Operating Officer, succeeds Tom Geiger, who will step away from day-to-day management and continue…
Buying a home is one of the biggest financial decisions most people make, and terminology can feel like a whole other language. Understanding key mortgage terms not only helps you feel confident but also empowers you to make informed decisions throughout the homebuying journey. Below is a breakdown of the most important terms every homebuyer…
If you’ve ever stared at a “Create a password” screen thinking, Did I already use this one? You’re not alone.Between online banking, shopping accounts, email, social media, and work tools, most of us are juggling dozens of logins. Remembering them all feels impossible, which is why many people reuse passwords or make small variations they…
Think banking is boring? Think again. At Heritage Bank NA, the future of banking is hands-on, people-focused, and full of opportunities for young professionals who want to build a meaningful career right here in Willmar, MN. One of the most impactful ways new talents enter the industry is through the Banking Apprenticeship Program, a structured,…
In our recent “Ask the Expert” series, we highlighted the importance of financial literacy in healthcare. Understanding the distinct advantages of Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) is one of the smartest financial moves you can make. While both accounts save you money on taxes, they function very differently. Here is everything…
You finish your transaction at the teller window and walk out to the parking lot. You might check your phone or search for your keys as you head to your car. You toss the bank envelope on the passenger seat and drive to your next errand. It feels like a typical day, but someone may…
Life happens. A bill clears before payday, or a coffee run adds up faster than you expected. That’s where overdrafts come in. They don’t have to be confusing or costly. Let’s break it down in plain English and share practical ways to stay in control. What’s an Overdraft? And How Is It Different from NSF?…
Life moves fast. Between work commitments, school runs, errands, and precious family time, finding a spare moment to manage your finances can feel impossible. If you’ve ever tried to follow a rigid budget only to feel overwhelmed, you are not alone. Many traditional budgeting methods seem designed for a world with more free time than…
Online shopping has transformed the way we purchase everything from groceries to gadgets. However, this convenience comes with risks. Cybercriminals have developed sophisticated methods to exploit unsuspecting shoppers, stealing personal information and hard-earned money. At Heritage Bank NA, we want to help you shop safely online. Understanding common scam tactics and implementing protective measures can…
Life events require immediate attention to financial planning to prevent costly mistakes and family disputes down the road. Whether you are getting married, welcoming a new child, or facing the loss of a loved one, these transitions demand a thorough review of your financial accounts and legal designations. For expert insights on this topic, you…
On Thursday, October 9th, there was a remarkable evening of celebration at the Awards in Philanthropy, an event that recognized individuals who make a significant difference in their communities. We are incredibly proud that two members of the Heritage Bank family, Wayne Nelson and Smitty Luschen, were honored for their outstanding contributions. Wayne Nelson Receives…
Cybercriminals compromise millions of accounts every year, often through weak or stolen passwords. Your banking information, personal data, and financial security depend on the strength of your password protection. At Heritage Bank NA, we recognize that maintaining the security of your accounts is crucial to your financial well-being. This comprehensive guide covers proven strategies to…
Willmar’s housing market is a hot topic, with homes selling quickly and buyers wondering how to navigate the competitive landscape. To get a clear picture of what’s happening, we are turning to the experts. This post captures the key insights from Heritage Bank’s own Jared Williamson and Chris Vraa, who recently shared their knowledge on…
Buying a home in Minnesota involves several financial decisions that can significantly impact your purchasing power and overall experience. Chris Vraa covers all these key topics in detail during the latest segment of KWLM’s ‘Ask the Expert,’ providing valuable insights to guide you through the process. Understanding your financing options before you start house hunting…
Millions of federal student loan borrowers are facing a harsh reality this summer: wage garnishment could hit their paychecks within months. As of April 2025, 31% of borrowers are 90 days past due on their payments. It is important to understand how delinquency can lead to default and wage garnishment. If you’re having trouble with…
Heritage Bank is proud to announce the addition of Jared Williamson to its mortgage team. With an extensive background in mortgage lending and a commitment to exceptional client service, Jared brings a wealth of experience and a customer-first approach that aligns perfectly with Heritage Bank’s mission to help people succeed financially. Since starting his career…
Ensuring access to opportunities for growth, learning, and connection is critical to building stronger communities. Heritage Bank NA, in collaboration with the Federal Home Loan Bank of Des Moines (FHLB Des Moines), recently took a significant step toward supporting this mission by awarding a $20,000 grant to the Kandiyohi County Area Family YMCA. The grant…
Navigating the Minnesota real estate market can be daunting, especially for first-time homebuyers. With increasing housing prices, limited starter home options, and economic factors influencing mortgage rates, understanding the market dynamics is critical. To shed light on these challenges and offer expert advice, KWLM sat down with Doug Frazzini, Capital Market Specialist at Heritage Bank,…
Banking security has never been more critical today, when technology plays a significant role in our daily lives. Kelly Pickle, the Director of Enterprise Risk at Heritage Bank NA, recently appeared on KWLM’s ‘Ask the Expert’ segment. She highlights how community banks, like Heritage Bank, are taking significant steps to protect their customers from cyber…
