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…
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…
Sioux Falls, SD – April 22, 2024 – Levo Credit Union plans to acquire a Sioux City, IA, bank branch from Heritage Bank, National Association. The branch is located at 4530 Singing Hills Boulevard. Levo, which is headquartered in Sioux Falls, SD, has entered into an agreement with Heritage, which is based in Spicer, MN.…
Scammers are finding new and sophisticated ways to trick people into giving their banking information. Read on about online banking security and learn ways to keep your account safe. How secure is online banking? Online banking has become an increasingly popular way for people to manage their finances. With this shift towards digital banking comes…
Looking for a reliable and convenient online checking account? Discover our eCentive checking account! We are proud to announce that it has just been named the best online checking account of 2023 by WalletHub. With competitive interest rates, access to physical bank branches when needed, secure digital services, and customer support, our eCentive checking account…
Doctors can benefit from physician loans by getting into their dream homes with less money out of pocket, so if you need to take out a loan, this may be a great choice. Using the information in this article, you can determine if a physician loan is the right choice for you.
The seasonal festivities are just around the corner and if want to be extra generous this holiday season, your wallet could experience inadequacies. But you don’t have to break the bank to spread holiday cheer. For tips on how to keep holiday spending under control, here are five. The savings and bank account you have will thank you.
Is a Common Savings Account Worn Out?
It’s not a secret that the traditional savings account are not as popular as they used to be. Because of the many various options out there, folks are questioning if a savings account is really the right approach to saving money. At Physician Bank, while we continue to offer conventional savings accounts, we have a few great options, and we want to {assist you in finding the perfect answer that best aligns with your need. So, if you’re questioning if the conventional savings account is worn out, you don’t have to worry – at Physician Bank, you are covered!
Some of you may dream of buying a nicer house, cabin, or car someday, but fear you don’t have enough money for it. The time has come to start saving! Here are twelve tips and helpful advise on how to save money, so you have it when you really need it.
As hackers attempt to gain access to your personal information, cybersecurity remains as relevant as ever. Ensure that your personal information is protected. You can avoid scammers’ deceitful traps by using these tips.
Think that call, text or email might be a scam? Here are some red flags to look out for. Good defense is the best offense against scammers. Be on the lookout for scammers before they strike. Learn how to identify a fraudulent email, call or text and what to do if you suspect you have received one. You might have been scammed. Take steps to make things better moving forward. This post is worth reading today.
Business and bank closures associated with the COVID-19 pandemic have significantly disrupted the supply chain and normal circulation patterns for U.S. coins. While there is an adequate overall amount of coins in the economy, the slowed pace of circulation has reduced available inventories in some areas of the country. The Federal Reserve is working with…
Tips to Avoid Coronavirus Scams and Protect Your Money Unfortunately, fraudsters are finding ways to take advantage of fears related to the coronavirus. Learn about the common scams and what you can do to protect yourself. Common Scams 10 Tips to Avoid Becoming a Victim Watch out for phishing scams. Phishing scams use fraudulent emails, texts,…
We often hear phrases such as “protect your working capital”, or “watch your liquidity”, or “cash is king”, when referring to short-term financial analysis of a farm business. All of these terms generally refer to the “working capital” of a farm business. A significant decline in working capital in a farm operation can lead to…
Malicious malware and scammers are constantly finding different ways to reach their targets. Whether it is via text scams (Smishing) or voice phone calls (Vishing), it is wise to educate yourself and be smart about what actions you take. As always, the first line of defense against cyber attacks is the user. SMS or Text…
Please pay close attention to this notice if you have a loan at Heritage Bank NA with an Escrow Account….. Our loans with escrow accounts are analyzed once per year to make sure we have sufficient funds to pay taxes and insurance throughout the year. This affects customer payments starting with the July mortgage payment. …
Normally by mid-April, midwest farmers have either begun spring fieldwork, or are within days of the beginning of the planting season for the year. However, 2018 seems to be the “Winter that never ends,” as another major snowstorm hit Minnesota and surrounding States this past weekend. Temperatures have been extremely cold during the first half…
