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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

Additional Features and Requirements

  • Overdrafts & NSF: $33 per item
  • Debit card includedeCentive Logo
  • $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.


Check your Interest Rates


Make informed decisions about your savings and checking accounts. Click here for more
up to date rate information!



Learn more about the benefits
of FDIC Insurance coverage
for your checking, savings,
and certificates of deposits.



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