eCentive® Account

Meet these 3 easy qualifications:

Total monthly debit card purchases posted to your account equaling a minimum of $500*
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 Digital Banking, ePay online bill pay and more!

Additional Features and Requirements

Overdrafts & NSF: $33 per 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

*Please note that ATM transactions do not count toward the debit card purchase requirement.

**When the eCentive® Account qualifications are met, balances up to $25,000 will earn that qualification rate for the entire statement cycle. Balances of $25,000.01 and above will receive that qualification rate for the entire month. If applicable, sales tax will be applied to service charges for accounts opened in Iowa.

Check your Interest Rates