Heritage Bank NA in West Central Minnesota

We’re more than

4.04% APY!*

Experience digital convenience
with a personal touch

We’re more than

Great Rates!

Experience digital convenience
with a personal touch

When you bank with Heritage, you get:

High-Interest Checking

High-Interest Checking

that works for you
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Community

A Focus on Community

and the things that matter to you
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Digital Banking

Convenient Digital Banking

for self-service when you want it
Learn more

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We value the relationships we have with our customers. That’s why we offer two high-yield checking accounts with rates you can count on, without the worry of dropping to near-zero APY*. All to help you maximize your earning potential. Discover which account works best for you.


Interest Checking Options

Payroll Plus Checking Account
Biggest bang for your buck.

Earn up to 4.04% APY* when you meet 3 easy qualifications**:

  • At least $5,000 in direct deposits each month from payroll, social security, investment income, or other forms of monthly income.
  • A minimum of $500 in monthly debit card purchases posted to your account.1
  • Enroll in and receive monthly eStatements.2
eCentive Checking Account
Low commitment. Big rewards.

Earn up to 2.02% APY* when you meet 3 easy qualifications**:

  • At least one direct deposit or automatic payment (ACH) each month.
  • A minimum of $500 in monthly debit card purchases posted to your account.1
  • Enroll in and receive monthly eStatements.2

Ready to apply? When you open an account, we will ask you 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.***

Have questions? Our Customer Care Team is available to help Monday – Friday 7am to 7pm and Saturday 8am to 12pm Central Time. Call us at (800) 344-7048 or text us at (320) 441-0454.


Checking Account Rates

Payroll Plus eCentive
4.04% APY* 2.02% APY* For qualified balances
of $0.01 – $100,000
4.04% - 0.89% APY* 2.02% - 0.89% APY* For qualified balances
greater than $100,000
0.05% APY* 0.05% APY* Non-qualifying balances

Additional Benefits

Automatic ATM refunds

Automatic ATM Refunds

up to $25 dollars when qualifications are met.3

No Minimum Balance

No minimum balance

and only $100 minimum to open account.

Free Debit cards

Free debit cards

First 2 cards are free per account. Each additional card is $10.

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More from Heritage

Business Banking

Business Banking

Learn More

Agriculture Banking

Agriculture Banking

Learn More

Mortgage Loans

Mortgage Loans

Meet the Team

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Need help choosing the right account for you?


Rooted in West-Central Minnesota

Celebrating 50 Years in the Community!

For 50 years, Heritage Bank has been a proud part of the West Central Minnesota community. We’re not just a bank – we’re your neighbors. Our commitment to this region goes beyond finances; we invest in the success of local families, businesses, and organizations. Whether it’s sponsoring community events, supporting the United Way’s Stuff the Bus campaign, or donating to the food bank, we believe in building stronger connections and growing together.

When you bank with us, you’re choosing a financial partner that understands the unique needs of Willmar, Spicer, Pennock, Raymond, and surrounding communities because this is where we live and work, too.

Proud sponsor of:


Modern Banking, Local Touch

Life moves fast, and so should your banking. Heritage Bank combines the personal touch of local community banking with the convenience of modern technology. Here’s how we make banking easier for you:

Digital Banking

24/7 Digital Banking

Deposit checks, pay bills, transfer funds, and set up alerts — all with just a few taps.

Debit Card Management

Card Management Tools

Turn your debit card on or off — even schedule it — and monitor transactions.

Account Alerts

Account Alerts

Get notified of changes to your email, PIN, or password, debit card usage, & more.

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Third-party charges may apply. Products and services may require enrollment, other terms, conditions, and fees may apply.


Customer Reviews

I recently had fraud on my card. Heritage was very quick to close my card, issue a new one, and give me a credit for monies lost until the fraud dispute was complete.

Marissa

Customer service representative was awesome. Had the time and patience to walk me through on how to get my online account going.

Perla

Me encanta la atención (Translation: I love the attention)

Copaneco Restaurant

Mary Ann provided wonderful customer service helping me to open a CD! Great communication and frequent follow-ups made the process quick and smooth.

DebRay

Come Bank With Heritage Bank NA
We’re more than just great rates!

We offer digital convenience backed by trusted advisors just a phone call, text, or message away!

As employee-owners, we are vested in ensuring our customers succeed financially.

*APY = Annual Percentage Yield. Fees may reduce earnings. Interest rate is variable and may change after the checking account is opened.

**When the account qualifications are met, balances up to $100,000 will earn that qualification rate for the entire statement cycle. Balances of $100,000.01 and above will receive that qualification rate for the entire statement cycle. If applicable, sales tax will be applied to service charges for accounts opened in Iowa.

*** Procedures for Opening an Account (Mandated by the USA PATRIOT ACT): To help the government fight the funding of terrorism and money laundering activities, the USA PATRIOT ACT, a Federal law, requires all financial institutions to obtain, and record information that identifies each person who opens an account.

  1. Please note that ATM transactions do not count toward the debit card purchase requirement.
  2. Must have a valid email address to enroll. $4 per month fee applies if not enrolled in eStatements and paper statements are sent through U.S. Mail.
  3. Refunds for domestic ATM fees charged by other ATM owners and MasterCard cross border/currency conversion fees for debit card foreign transactions.

Payroll Plus rates effective as of February 1, 2025.

eCentive rates effective as of February 1, 2025.

Payroll Plus and eCentive checking fees:
Overdrafts & NSF – $33 per item, per presentment
Early account closure – $30 if closed within the first 6 months
Paper statements – $4 per month if you fail to enroll in eStatements

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