eCentive™ Account

Meet these 3 easy qualifications:

1. Make 10 or more debit card payments and/or purchases that will post to your account each month (excluding ATM transactions)
2. Have at least one direct deposit or automatic payment (ACH) each month
3. Receive monthly eStatements

Earn these monthly incentives:

- - Earn our highest yielding checking interest rate on balances up to $25,000.00
  - For Balances of $25,000.01 and greater, you are also eligible for a high-interest rate
  - Free account includes no monthly service charge
  - Automatic refunds up to $25 per month
    (Refunds for domestic ATM fees charged by other ATM owners and MasterCard cross border/currency conversion fees for debit card foreign transactions)

Even if you don’t qualify monthly, it’s still an interest-bearing checking account with no minimum balance and no monthly service charge!

Account Features

No minimum balance
$100 minimum to open account.
Monthly eStatements required; Must have valid email address to enroll ($4 per month if you fail to enroll and paper statements are sent to you through U.S. Mail )
Free Online Banking, ePay online bill pay, Mobile Banking and more!

Additional Features and Requirements

Overdrafts & NSF: $33 per paid item; $36 per returned item
Debit card included
$30 fee if the account is closed within 6 months of opening
Transfer money electronically to or from your account…anytime, online
Primary account-holders (based on social security numbers) are limited to two (2) eCentive Accounts at Heritage Bank NA.