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Universal Savings for Business

Our Universal Savings Account allows you easy access to your money without penalty. It’s the perfect place to set aside money for those unexpected expenses or for a short term goal, and the perfect way for save for taxes or periodic expenses.

Account Features

  • $50 minimum deposit to open account
  • Interest paid on balances of $.01 or more
  • Semi-annual interest payment
  • Six free withdrawals allowed per month, $3 for each additional withdrawal
  • Auto transfer to or from checking
  • Debit card available*

Additional Features and Requirements

  • Average daily balance of $50 required to avoid $4 monthly service charge, fee waived for minors under age 18
  • Variable interest rate may change daily; Interest calculation is based on daily (collected) available balances and is compounded semi-annually
  • $30 fee if account is closed within 6 months of opening
  • Overdrafts & NSF: $32 per paid item; $35 per returned item
  • Preauthorized, telephone and Online Banking transfers are limited to a combined total of six per month as prescribed by federal regulations governing savings accounts. If you surpass this limitation during two months within a 12-month rolling period, your account will be charged $30.00.
*Savings Account customers must also have a Heritage Bank NA checking account relationship in order to receive a debit card.

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