Heritage Bank has a variety of unique business savings plans for your farm, business or non-profit organization. Whether you’re looking to simply set money aside, or invest for the future, a Heritage Bank savings account can get your dollars working harder for you!

Select from one of our business savings accounts below:

	Universal Savings APPLY TODAY	Jumbo Deposit Account APPLY TODAY	Heritage Direct Savings APPLY TODAY
Interest Bearing:	YES Compounded and credited quarterly	YES Compounded and credited monthly	YES Compounded and credited monthly
Minimum Opening Deposit:	$50	$1,000	$1,000
Daily Minimum Balance Required:	$50 average daily balance	$.01	$1,000 minimum balance for APY
Electronic Statements:	Available for free	Required and free	Required and free
Service Fee:	6 free withdrawals per month, $3 each thereafter $5 a month service charge if average available balance drops below $50	$15 per month if not enrolled for electronic statements	$4 per month if not enrolled for electronic statements $17 monthly service charge if account balances fall below $1,000 daily minimum ledger balance
Debit Card:	YES	N/A	N/A
Digital Banking App Available:	YES	YES	YES
Interest Rates:	Earn 0.05% APY1	$230,000 minimum balance to earn 3.02% APY1 $100,000 minimum balance to earn 2.04% APY1 $.01 minimum balance to earn 1.01% APY1	$1,000 minimum balance to earn 0.14% APY1

1. APY = Annual Percentage Yield. Fees may reduce earnings. Interest rate is variable and may change after the account is opened. Effective since January 1, 2023.

• Overdrafts & NSF: $33 per item
• $30 fee if account is closed within 6 months of opening