High Yield Checking Accounts

Give Your Paycheck

A Boost

Up to 4.04% APY*
on checking

Give Your Paycheck

A Boost

Up to 4.04% APY*
on checking

We value the relationships we have with our customers. That’s why we offer two high-yield checking accounts with rates you can count on, without the worry of dropping to near-zero APY*. All to help you maximize your earning potential. Discover which account works best for you.


Interest Checking Options

Payroll Plus Checking Account
Biggest bang for your buck.

Earn up to 4.04% APY* when you meet 3 easy qualifications**:

  • At least $5,000 in direct deposits each month from payroll, social security, investment income, or other forms of monthly income.
  • A minimum of $500 in monthly debit card purchases posted to your account.1
  • Enroll in and receive monthly eStatements.2
eCentive Checking Account
Low commitment. Big rewards.

Earn up to 2.02% APY* when you meet 3 easy qualifications**:

  • At least one direct deposit or automatic payment (ACH) each month.
  • A minimum of $500 in monthly debit card purchases posted to your account.1
  • Enroll in and receive monthly eStatements.2

Ready to apply? When you open an account, we will ask you for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.***

Have questions? Our Customer Care Team is available to help Monday – Friday 7am to 7pm and Saturday 8am to 12pm Central Time. Call us at (800) 344-7048 or text us at (320) 441-0454.

Need help choosing the right account for you?


Checking Account Rates

Payroll Plus eCentive
4.04% APY* 2.02% APY* For qualified balances
of $0.01 – $100,000
0.14% APY* 0.14% APY* For qualified balances
greater than $100,000
0.05% APY* 0.05% APY* Non-qualifying balances

Additional Benefits

Automatic ATM refunds

Automatic ATM Refunds

up to $25 dollars when qualifications are met.3

No Minimum Balance

No minimum balance

and only $100 minimum to open account.

Free Debit cards

Free debit cards

First 2 cards are free per account. Each additional card is $10.

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Need help choosing the right account for you?


Fees Made Simple

Overdrafts & NSF

$33 per item, per presentment.

Early account closure

$30 if closed within the first 6 months.

Paper statements

$4 per month if you fail to enroll in eStatements.

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Come Bank With Heritage Bank NA
We’re more than just great rates!

We offer digital convenience backed by trusted advisors just a phone call, text, or message away!

As employee-owners, we are vested in ensuring our customers succeed financially.

*APY = Annual Percentage Yield. Fees may reduce earnings. Interest rate is variable and may change after the checking account is opened.

**When the account qualifications are met, balances up to $100,000 will earn that qualification rate for the entire statement cycle. Balances of $100,000.01 and above will receive that qualification rate for the entire statement cycle. If applicable, sales tax will be applied to service charges for accounts opened in Iowa.

*** Procedures for Opening an Account (Mandated by the USA PATRIOT ACT): To help the government fight the funding of terrorism and money laundering activities, the USA PATRIOT ACT, a Federal law, requires all financial institutions to obtain, and record information that identifies each person who opens an account.

  1. Please note that ATM transactions do not count toward the debit card purchase requirement.
  2. Must have a valid email address to enroll. $4 per month fee applies if not enrolled in eStatements and paper statements are sent through U.S. Mail.
  3. Refunds for domestic ATM fees charged by other ATM owners and MasterCard cross border/currency conversion fees for debit card foreign transactions.
Payroll Plus rates effective as of February 1, 2024.

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