Heritage Bank Checking Account Disclosures

FUNDS AVAILABILITY POLICY DISCLOSURE

YOUR ABILITY TO WITHDRAW FUNDS ON HERITAGE BANK NA CHECKING ACCOUNT

Our policy is to make funds from your cash and check deposits available to you on the same business day as the day we receive your deposit. Once the funds are available, you can withdraw them in cash and/or we will use them to pay checks that you have written. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. We have different deposit cut-off hours for different locations. Our cut-off hours are as follows:

MINNESOTA

Location Business Cutoff
Pennock MN Mon – Fri: 4:00pm
Raymond MN Mon – Thurs: 4:00pm; Fri: 5:00pm
Spicer MN Mon – Thurs: 5:00pm; Fri: 5:30pm
Willmar MN Mon – Wed: 5:30pm; Thurs – Fri: 6:00pm

IOWA

Location Business Cutoff
Alta IA Mon – Fri: 3:00pm
Anthon IA Mon – Fri: 4:30pm
Aurelia IA Mon – Thurs: 3:30pm; Fri: 5:00pm
Cushing IA Mon – Thurs: 1:00pm; Fri: 6:00pm
Holstein IA Mon – Thurs: 4:00pm; Fri: 6:00pm
Lytton IA Mon – Wed & Fri: 3:00pm; Thurs: 5:00pm
Sioux City IA – Downtown Mon – Fri: 5:00pm
Sioux City IA – Morningside Mon – Thurs: 5:00pm; Fri: 6:00pm

 

SOUTH DAKOTA

Location Business Cutoff
Sioux Falls, SD Mon – Fri: 5:00pm

ELECTRONIC

Location Business Cutoff
ATMS 6:00pm
Online Banking 6:00pm
Mobile Transfers/Payments 6:00pm
Mobile Deposits 4:30pm

 

If you make a deposit or loan payment before our cut-off hour on a business day that we are open, we will consider that day to be the day of your deposit or loan payment. However, if you make a deposit or loan payment after our cut-off hour or on a day we are not open, we will consider that the deposit or loan payment was made on the next business day we are open.

Longer Delays May Apply. In some cases, we will not make all of the funds that you deposit by check available to you on the same business day as the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the seventh business day after the day of your deposit. The first $200 of your deposit, however, may be available on the same business day of your deposit. If we are not going to make all of the funds from your deposit available on the same business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the business day after we receive your deposit. If you need the funds from a deposit right away, you should ask us when the funds will be available.

In addition, funds you deposit by check may be delayed for a longer period under the following circumstances:

  • You deposit checks totaling more than $5,000 on any one day
  • You redeposit a check that has been returned unpaid
  • You have overdrawn your account repeatedly in the last six months
  • We believe a check you deposit will not be paid
  • There is an emergency, such as a failure of computer or communications equipment

We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

Holds On Other Funds. If we cash a check for you that is drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another financial institution, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited.

Deposits at Automated Teller Machines. Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we do not own or operate will not be available until the fifth business day after the day of your deposit. This rule does not apply to ATMs that we own or operate. All ATMs that we own or operate are identified as our machines.

Special Rules For New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your account is open:

Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,000 of a day’s total deposits of cashier’s, certified, teller’s, travelers’, and federal, state and local government checks will be available on the same business day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,000 will be available on the ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,000 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available on the ninth business day after the day of your deposit.

ELECTRONIC FUND TRANSFERS FOR CONSUMER ACCOUNTS

YOUR RIGHTS AND RESPONSIBILITIES

The Electronic Fund Transfers we are capable of handling for consumers are indicated below, some of which may not apply to your account. Some of these may not be available at all terminals. Please read this disclosure carefully because it tells you your rights and obligations for these transactions. You should keep this notice for future reference.

TYPES OF TRANSFERS, FREQUENCY AND DOLLAR LIMITATIONS

A. Prearranged Transfers

Preauthorized credits. You may make arrangements for certain direct deposits to be accepted into your checking and/or savings account(s),
Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking and/or savings account(s).

B. ATM Transfers. You may access your account(s) by ATM using your Heritage Bank Debit Card and personal identification number to:

  • Make deposits to checking accounts at any ATM that accepts deposits
  • Make deposits to savings accounts at any ATM that accepts deposits
  • Get cash withdrawals from checking accounts (you may withdraw no more than $1,000.00 per day)
  • Get cash withdrawals from savings accounts (you may withdraw no more than $1,000.00 per day)
  • Transfer funds from savings to checking
  • Transfer funds from checking to savings
  • Get checking account(s) information
  • Get savings account(s) information

The balance available for ATM withdrawals & transfers includes current account balance plus pre-authorized transfers from other accounts, Ready Reserve and/or other loans.

C. Point-Of-Sale Transactions (This applies to Consumer Checking Accounts only)

Using your card:

You may access your checking account to purchase goods (in person, by phone, by computer), pay for services (in person, by phone, by computer), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that a participating merchant will accept.

Make up to $1,000.00 in PIN based purchases per day.
Make up to $500.00 in signature based or online purchases per day.

The balance available for Point of Sale transactions includes current account balance plus pre-authorized transfers from other accounts, Ready Reserve and/or other loans.

D. Computer/Mobile Banking Transactions. You may access your account(s) by computer and/or mobile device at heritagebankna.com and using your account numbers, or access ID and password to:

  • Transfer funds from checking to savings
  • Transfer funds from savings to checking
  • Make payments from checking to loan accounts with us
  • Make payments from savings to loan accounts with us
  • Make online bill payments
  • Get checking account(s) information
  • Get savings account(s) information
  • Transfer funds between eligible accounts

E. Electronic Funds Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic funds transfers between your account and the third party’s account. These transfers to make or receive payments may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice with a receipt). In all cases, these third party transfers will require you to provide the third party with your account number and financial institution information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your financial institution and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers.

ATM Operator/Network Fees: When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

DOCUMENTATION

  • Terminal Transfers. You can get a receipt at the time you make any transfer to or from your account using one of our automated teller machines (ATMs) or point-of-sale terminals.
  • Preauthorized Credits. If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, you can call us at (800) 344-7048 to find out whether or not the deposit has been made.
  • In addition,
    • You will get a monthly or semi-annual account statement from us, depending on the account you have selected
    • You will get a monthly statement from us on your savings account if the only possible electronic transfer to or from the account is a preauthorized credit

TIME NEEDED TO COMPLETE TERMINAL TRANSACTIONS

  • Withdrawals made at a terminal will normally be completed and charged to your account the same business day if completed prior to 6:00 PM
  • Deposits made at a terminal owned by us will normally be credited to your account the same business day if completed prior to 6:00 PM
  • Transfers between accounts will normally be completed the same business day if completed prior to 6:00 PM

REVERSAL OF POINT-OF-SALE TRANSACTIONS (This applies to Consumer Checking Accounts only)

You cannot reverse a point-of-sale transaction.
Payment for goods and services in this manner shall not affect any of the rights, protections, or liabilities in existing law concerning a cash or credit sale made by means other than through the use of a terminal.

PREAUTHORIZED PAYMENTS

  • Right to stop payment and procedure for doing so. If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here’s how: Call us at (800) 344-7048, or write to us at Heritage Bank, ATTN: Deposit Services, P.O. Box 1124, Willmar, MN 56201 in time for us to receive your request 3 business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after your call. Stop payment charge is $35.00 per item.
  • Notice of varying amounts. If these regular payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be. (You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.)
  • Liability for failure to stop payment of preauthorized transfer. If you order us to stop one of these payments 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

FINANCIAL INSTITUTION’S LIABILITY

Liability for failure to make transfers. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

  • If, through no fault of ours, you do not have enough money in your account to make the transfer
  • If the transfer would go over the credit limit on your overdraft line
  • If the automated teller machine where you are making the transfer does not have enough cash
  • If the terminal or system was not working properly and you knew about the breakdown when you started the transfer
  • If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken
  • There may be other exceptions stated in our agreement with you

CONFIDENTIALITY

We will disclose information to third parties about your account or the transfers you make:

  • Where it is necessary for completing transfers; or
  • In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or
  • In order to comply with government agency or court orders; or
  • If you give us written permission;
  • Refer to separate Privacy Disclosure for more detail.

UNAUTHORIZED TRANSFERS

Consumer Liability. Tell us at once if you believe your card and/or code has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all of the money in your account (plus your maximum line of credit). We will be liable for all unauthorized transfers unless the unauthorized transfer was due to the loss or theft of your card and/or code. If due to the loss or theft of your card and/or code, you notify us within 60 days of when the unauthorized transfer appears on the statement, you can lose no more than $50 if someone used your card and/or code without permission.

If you do NOT notify us within 60 days after the unauthorized transfer appears on your statement, and we can prove that we could have stopped someone from using your card and/or code without your permission if you had told us within 2 days of when you discover the loss or theft of your card and/or code, you could lose as much as $500 for unauthorized transfers that appear on the statement.

Also, if your statement shows transfers that you did not make, including those made by card, code, or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we prove that we could have stopped someone from taking the money if you had told us in time.

If a good reason (such as a long trip or a hospital stay) kept you from telling us, we may extend the time periods.

MasterCard Debit Card. (Not applicable with Heritage Direct Savings or Jumbo Deposit Accounts) You will not be liable for any unauthorized transactions using your MasterCard debit card, when used for point-of-sale transactions, if:

  • You can demonstrate that you have exercised reasonable care in safeguarding your card from the risk of loss or theft, and
  • Upon becoming aware of a loss or theft, you promptly report the loss or theft to us.

If any of these conditions are not met, your liability is the lesser of $50 or the amount of money, property, labor, or services obtained by the unauthorized use before notification to us. “Unauthorized use” means the use of your debit card by a person, other than you, who does not have actual, implied, or apparent authority for such use, and from which you receive no benefit. This additional limit on liability does not apply to ATM transactions or to transactions using your Personal Identification Number (PIN) which are not processed by MasterCard. MasterCard us a registered trademark of MasterCard International Incorporated.

Contact in event of unauthorized transfer. If you believe your card and/or code has been lost or stolen, call us at (800) 344-7048, write to us at Heritage Bank, ATTN: Deposit Services, P.O. Box 1124, Willmar, MN 56201, or login to Online Banking at heritagebankna.com and submit a secure contact form as soon as you can. You should also contact us if you believe a transfer has been made using the information from your check without permission.

RIGHT TO BRING CIVIL ACTION
You may bring civil action against any person violating any provision of Minnesota Statutes 47.69 (governing consumer privacy and unauthorized withdrawals.) If you prevail in such an action, you may recover the greater of your actual damages or $500.00. You may also be entitled to recover punitive damages, your court costs, and reasonable attorney’s fees.

You agree that you will not reveal your online access information to any person not authorized by you to use it and will not leave your computer terminal unattended after you have logged in using your online access or other confidential information.

Business Days: Our business days are Monday through Friday, excluding Federal Holidays.

Notices: All notices from us will be effective when we have mailed them or delivered them to you electronically to your last known address on our records. Notices from you will be effective when we receive the notice via our website, the address shown in this Agreement, or at our telephone number. We may change the terms and conditions for any EFT service. We will notify you at least twenty one (21) days before the effective date of any change, as required by law. Use of EFT service is governed by the Electronic Funds Transfer Act and any future changes to those regulations.

Enforcement: If you or we bring a legal action to enforce this Agreement or to collect amounts owing as a result of any Account transaction, the party who wins may receive reasonable attorneys’ fees and costs, including fees on any appeal, to the extent allowed by law.

Cancellation of Online Banking: You agree that we may cancel this Agreement and your use of Online Banking, if:

  • You breach this or any other agreement with us;
  • We have reason to believe that there has been an unauthorized use of your Online Banking password;
  • We notify you or any other person on your account that we have cancelled or will cancel this Agreement. You or any other person on your account can cancel this Agreement by notifying us in writing.

Service is cancelled the first business day after we receive your written notice. Canceling this Agreement will not affect your or our rights and responsibilities under this Agreement for transactions begun before the Agreement is cancelled. Loss of Online Banking access will affect your ability to conduct transactions on your account.

ERROR RESOLUTION NOTICE
In case of Errors or Questions About Your Electronic Transfers, call us at (800) 344-7048, or write to us at Heritage Bank, ATTN: Deposit Services, P.O. Box 1124, Willmar, MN 56201, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

  • Tell us your name and account number (if any)
  • Describe the error or transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information
  • Tell us the dollar amount of the suspected error

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

We will determine whether an error occurred within 10 business days (5 business days if involving a MasterCard transaction or 20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (5 business days if involving a MasterCard transaction or 20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. An account is considered a new account for 30 days after the first deposit is made, if you are a new customer.

We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

AMENDMENTS AND TERMINATION
We reserve the right to amend any terms in this disclosure and to terminate your card privileges upon giving written notice to you within a reasonable period of time in advance of the effective date to the amendment or termination. You may terminate your card privilege by notifying us and returning your card.

ADDITIONAL INFORMATION
Foreign Currency Conversion: When you use your card at a merchant that settles in currency other than US dollars, the change will be converted into the US dollar amount. The currency conversion rate used to determine the transaction amount in US dollars is either a government-mandated rate or the wholesale market rate in effect the day before the processing date, increased by 1%. If you use your debit card at a foreign merchant or in a foreign country outside of the USA, you may notice MasterCard cross border fees or MasterCard currency conversion fees that post to your account. These fees are a result of your foreign purchases/returns and are assessed by MasterCard and will vary depending on the amount of your purchase/return and the exchange rate in effect at the time of the purchase/return. This change does not affect purchases made in the United States at US merchants.

Health Savings Accounts (HSA): We permit you as described in this agreement to access your HSA with a card. The service is offered for the convenience of managing your HSA. However, electronically accessing your HSA – for example, getting additional cash back on an HSA debit card transaction – can raise a variety of tax concerns. As a result, before electronically accessing your HSA, make sure you are using the correct card. Also, it is your responsibility to ensure the contributions, distributions, and other actions related to your HSA comply with the law, including federal tax law. As always, we recommend consulting a legal or tax professional if you have any questions about managing your HSA. The terms of this disclosure are intended to be used in conjunction with the HSA Agreement provided to you earlier. In the event of a conflict, the terms of the HSA Agreement control. You understand that your HSA is intended to be used for payment of qualified medical expenses. It is your responsibility to satisfy any tax liability resulting from use of your HSA for any purpose other than payment or reimbursement of qualified medical expenses. Overdrawing your HSA will cause the plan to be disqualified by the IRS. We do not monitor the purpose of any transactions to or from your HSA. Nor are we responsible for ensuring your eligibility for making contributions or ensuring withdrawals are used for payment or reimbursement of qualified medical expenses. Refer to your HSA Agreement for more information relating to the use of your HSA.

SUBSTITUTE CHECKS AND YOUR RIGHTS (CHECK 21)

What is a substitute check?

To make check processing faster, federal law permits banks to replace original checks with “substitute checks.” These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of the substitute check states: “This is a legal copy of your check. You can use it the same way you would use the original check.” You may use a substitute check as proof of payment just like the original check.

Some or all of the checks that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law with respect to those transactions.

What are my rights regarding substitute checks?

In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once from the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of this withdrawal (for example, bounced check fees).

The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your refund if your account is an interest-bearing account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law.

If you use this procedure, you may receive up to $2,500.00 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest not later than 45 calendar days after we received your claim.

We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account.

How do I make a claim for a refund?

You must contact us within 40 calendar days of the date that we mailed (or otherwise delivered by a means to which you agreed) the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later. We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances.

If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your account, please contact us at:

Heritage Bank NA
PO Box 1124
Willmar, MN 56201
(320) 235-5720

Your claim must include:

  • A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect);
  • An estimate of the amount of your loss;
  • An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and
  • A copy of the substitute check or the following information to help us identify the substitute check: such as the check number, amount of the check, the payee on the check, date the check was issued

DISCRETIONARY OVERDRAFT PRIVILEGE (ODP) DISCLOSURE

It is our policy to comply with laws and regulations and to conduct business in accordance with safe and sound standards.

The Deposit Account Agreement and Disclosure provided to you at the time you opened your checking account controls the duties, obligations and rights of the Depositor, the Authorized Signatories and Heritage Bank. The Agreement and Disclosure (and all amendments thereto) shall control any conflict between any provision of this Discretionary Overdraft Privilege Disclosure and the Deposit Account Agreement and Disclosure. A copy is available to you on request.

Overdraft Privilege is not a line of credit. If you overdraw your account, we will normally pay the overdraft, subject to the limit of your Overdraft Privilege plus the amount of the overdraft (OD) fee. Heritage Bank is not obligated to pay any item (created by check, in-person withdrawal, debit card purchases and ATM withdrawals or pre-authorized payments/transfers) presented for payment if your account does not contain sufficient available funds. Additionally, paying your overdraft does not obligate Heritage Bank to pay future overdrafts or to provide prior notice of its decision to refuse to pay future overdrafts.

If your consumer account (primarily used for personal and household purposes) or your business account is in good standing, we will continue to extend this privilege to you. “Good standing” includes a minimum of:

A. Depositing an amount equal or greater than the amount of discretionary overdraft privilege extended to you within each thirty (30) days and bringing your account balance to a positive balance within each thirty (30) day period;
B. Not being in default on any loan or other obligation to Heritage Bank and
C. Do not file bankruptcy.

We will normally pay overdrafts within the Overdraft Privilege limits, but payment by Heritage Bank is a discretionary courtesy and not a right or obligation. The privilege for consumer checking accounts will generally be $500 overdraft (negative) balances. The privilege for business accounts will generally be $1,000 overdraft (negative) balances. OD fees (as set forth in our fee schedule/deposit account agreement and disclosure), will be included as part of this maximum amount.

The total of the discretionary overdraft privilege (negative) balance, including all OD fees, is due and payable upon demand, or within 30 calendar days. The Depositor and each Authorized Signatory will continue to be liable, jointly and severally, for all such amounts, as described in the Deposit Account Agreement and Disclosure.

Again, while Heritage Bank will typically pay overdrafts on accounts in good standing (as described above) payment is a discretionary courtesy, not a right or obligation. Heritage Bank can cease paying overdrafts at any time, without prior notice.

NOTICE REGARDING PAYMENT ORDER OF ITEMS

The law permits us to pay items drawn on your account in any order. To assist you in handling your account with us, please read the following information carefully regarding how we process those items (for purposes of this notice, “items” means checks, orders and electronic transactions, including debit card purchases and ATM withdrawals).

When processing items drawn on your account, our policy is to apply all credits to your account first, then pay all debits accordingly; pay debit card purchases and ATM withdrawals first, according to the dollar amount, smallest to largest, followed by automatic (ACH) payments, also according to the dollar amount, smallest to largest. Checks are then paid in check number order, smallest to largest. Loan payments due to Heritage Bank will always be paid before other items.

The order in which items are paid is important. There is no policy that is favorable in every instance. If the smallest items are paid first and your account becomes overdrawn, you may have fewer NSF or overdraft fees, but the largest, and perhaps most important items (such as rent or mortgage payments) might not be paid. However, if the largest items are paid first and your account becomes overdrawn, your most important items might be paid but it may increase the overdraft or NSF fees if funds are not available to pay all of the items. We think our policy attains a reasonable balance between minimizing additional cost to you and paying your more important items.

If any items are presented without sufficient funds in your account to pay them, we may, at our discretion, pay the items (creating an overdraft) or return the items (NSF). The amounts of the overdraft and NSF fees are disclosed elsewhere. We encourage you to keep careful records and practice good account management. This will help you to avoid creating items without sufficient funds and incurring the resulting fees.

 


Heritage Locations

IOWA:

  • Alta IA – 202 Main St Alta, IA 51002
  • Anthon IA – 115 E Main St P.O. Box G Anthon, IA 51004
  • Aurelia IA – 148 Main St P.O. Box 626 Aurelia, IA 51005
  • Cushing IA – 107 Main St P.O. Box 136 Cushing, IA 51018
  • Holstein IA – 101 N Main St P.O. Box 100 Holstein, IA 51025
  • Lytton IA – 200 Main St P.O. Box 229 Lytton, IA 50561
  • Sioux City IA – Downtown – 505 5th Street, Suite 100 Sioux City, IA 51101
  • Sioux City IA – Morningside – 4530 Singing Hills Blvd Sioux City, IA 51106

MINNESOTA:

  • Pennock MN – 242 1st Street N PO Box 189 Pennock, MN 56279-0189
  • Raymond MN – 202 Cofield Street PO Box 235 Raymond, MN 56282
  • Spicer MN – 110 South Street W PO Box 658 Spicer, MN 56288-0658
  • Willmar MN – 310 1st Street SW PO Box 1124 Willmar, MN 56201-1124

SOUTH DAKOTA:

  • Sioux Falls SD – 140 N Phillips Ave, Suite 100, Sioux Falls SD 57104



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Revised: 07/19/2017