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Business/Ag Savings Accounts

Heritage Bank has a variety of unique 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 business savings account can get your dollars working for you!

Min. Deposit Interest Payment Debit Card Daily Balance Required Interest Rate
Universal Savings $50 Quarterly Available $50 average to avoid $5 monthy Charge Check Today’s Rates
Flex Gold Savings $1,000 Monthly Available $1000 or $17 monthly service charge Check Today’s Rates
Heritage Direct Savings $1,000 Monthly N/A $1000 or $17 monthly service charge Check Today’s Rates
Jumbo Deposit Account $10,000 Monthly N/A Daily Balance reflects the Interest Rate you’ll receive Check Today’s Rates
Health Savings Accounts (HSA) $50-Wavied if regular ACH deposits are established Monthly Available N/A Check Today’s Rate


  • 24 hour online & mobile banking access
  • Free eStatements available on all savings accounts with a valid email address
  • Universal Savings, Flex Gold Savings, Heritage Direct Savings, & Health Savings Accounts: 6 free withdrawals allow per month, $3 per each additional
  • Jumbo Deposit Account: 6 free withdrawals allow per month, $30 service charge if exceeded
  • $30 if account is closed within first 6 months
  • Paper statement fees may  apply
    • Heritage Direct Savings & Health Savings Accounts: $5 per month
    • Jumbo Deposit Account: $15 per month
  • Variable Interest rates may change daily; Interest calculation is based on daily (collected) available balances and is compounded monthly except Universal Savings, which is compounded quarterly.