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…
Applying for a mortgage is a significant financial milestone, but for many homebuyers, it has also been an open invitation for a flood of unwanted calls, texts, and emails. This frustrating experience is about to change. A new era of mortgage privacy is on the horizon, thanks to the Homebuyers Privacy Protection Act, which was…
Buying a home represents one of the most significant financial decisions you’ll ever make. For most people, it’s their biggest single investment, often requiring decades to pay off. Yet many buyers rush into the process without proper financial preparation, leading to costly mistakes that can impact their finances for years to come. The home-buying process…
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…
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…
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…
Phishing scams are on the rise, targeting individuals and businesses alike, often leaving victims in financial ruin. For online banking users and security-conscious individuals, understanding and preventing phishing attacks is critical to protecting one’s financial future. Ruth McDonnell discusses how you can safeguard your financial future in the KWLM Ask the Expert segment. This guide…
For many small business owners, securing the right financing is essential for growth and long-term success. Whether you’re launching a startup, purchasing an existing company, expanding operations, or investing in equipment, Small Business Administration (SBA) loans offer flexible funding options to support your goals. As Jeremy Goltz, Relationship Manager at Heritage Bank NA, discussed on…
At Heritage Bank, our mission is to help you make the most of your money. Recently, KWLM sat down with Jon Liesener, Banking Apprentice, and Mandy Fleming, Market Manager, to discuss smart financial resolutions. Their expert tips will help you save money and use high-interest checking accounts. This will guide you to financial success in…
Improving and maintaining a good credit score isn’t just a financial goal—it’s necessary for anyone planning a significant purchase, like buying a home or a car. Yet, many of us don’t fully understand the factors that impact credit scores or how to improve them effectively. That’s where Brandie Wenham, a seasoned credit expert and private…
In a recent segment of Ask the Expert on KWLM, Chuck Nolting, Ag Relationship Manager at Heritage Bank NA, shared valuable information about the challenges and opportunities currently facing farmers and the agricultural industry. With over 25 years of experience in agronomy (the science of soil management and crop production) and agricultural finance, Nolting has…
Struggling with a low credit score that is keeping you from getting a mortgage? You’re not alone. Many people find themselves in a similar situation, but the good news is that improving your credit score is entirely possible. This blog will walk you through 5 simple and effective ways to help raise your credit score…
Are you trying to maximize your healthcare budget while maintaining access to quality care? Health Savings Accounts (HSAs) could be the solution for you. They offer substantial financial advantages and allow more flexible and affordable access to various medical services. But what is an HSA — and how does it work? Learn about HSAs: eligibility,…
In today’s world, every penny counts. But did you know that your bank could be doing more for you? You might be surprised to learn that there are several ways to squeeze more passive income out of your existing accounts. Here are 9 strategies to turn your bank into a money-making machine: 1. Interest Checking…
How do I switch banks? If you’re like most people, you’ve probably experienced a bank with poor customer service. If repeated offenses occur, you will consider switching banks. Knowing how to switch banks will make the process much easier. Switching banks might seem daunting, especially if you’ve been with your current bank for a long…
Discover the benefits of direct deposit at Heritage Bank NA. Streamline your payday and enjoy enhanced security and convenience with your checking account. In this post, you’ll learn how direct deposit can simplify your banking experience and provide peace of mind for you as an employee or a small business owner. Let us show you…
You’ve made a plan to pay off your credit card debt. Great! Now how do you go about keeping track of your progress? As a customer of Heritage Bank NA, you have access to our free myMoney tools in digital banking. By connecting your credit card – even if it’s through another financial institution –…
Is credit card debt on your mind? You’re not alone. Credit card balances increased by $45 billion in the second quarter of 2023, according to the Federal Reserve Bank of New York’s Center for Microeconomic Data. Looming credit card debt can put a damper on your financial goals. Paying down that debt is a crucial…
Heritage Bank has started offering a Customer Education Series called GROW. The series will cover a variety of topics that are aligned with our purpose, to help people succeed financially. With the GROW series, we intend to provide something that is truly unique among financial institutions, reinforcing our reputation as trusted advisors for our customers.…
