when you meet 3 easy requirements

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Apply for our eCentive Account now!

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eCentive Account Highlights

  • Free Account includes no monthly service charge
  • Automatic ATM fee refunds up to $25 per month*
  • 1.02% APY – Our HIGHEST yielding checking interest rate on qualifying balances starting at $0.01*(1.01% interest rate)
  • 0.14% APY on qualifying balances over $25,000*
  • 0.05% APY base rate (when qualifications are not met)*

eCentive Account Features & Benefits

eCentive Logo

*Must meet these 3 easy qualifications to receive these incentives.
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. Sign up to receive a monthly eStatement
Once you meet the monthly qualifications, interest will be recalculated at the appropriate rate and eligible fees will be refunded.
Primary accountholders (based on social security numbers) are limited to two (2) eCentive Accounts at Heritage Bank NA.
** Message and data rates may apply.
1The annual percentage yield (APY) is accurate as of 2/1/2021. Interest rate is variable and may change after the account is opened.