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While our lobbies remain temporarily closed to help control the spread of COVID-19, please click 'Contact Us' under the "About" tab for additional options to reach us and watch our website for updates. Posted 12/1/2020

New style, more choices and a faster turnaround

New style, more choices and a faster turnaround

Our debit cards receive a makeover!

We are excited to unveil new designs for our Consumer debit card, Business debit card and Health Savings Account debit card. These will be available mid-October.

NEW Consumer debit card:

NEW Business debit card:

NEW Health Savings Account debit card:

No need to pre-order!

As usual, before your card reaches its expiration date, we will send you a new card in the mail.

Want a more personalized look?

We have four unique options for Consumer debit cards! For only $10.00 per card, we can print you a …

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What is an ACH payment? 

What is an ACH payment? 

ACH payments are electronic payments that go through the Automated Clearing House (ACH) Network. Funds move from one bank account to another with the help of a centralized system that directs funds to their final destination. 

The ACH network facilitates electronic money transfers and automatic payments between more than 10,000 banks and financial institutions. Direct deposits, paychecks, tax refunds, and bill payments are some of the most common forms of ACH payments. ACH transactions can occur between an individual and a business, between an individual and a …

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Why do U.S. coins seem to be in short supply?

Why do U.S. coins seem to be in short supply?

Business and bank closures associated with the COVID-19 pandemic have significantly disrupted the supply chain and normal circulation patterns for U.S. coins. While there is an adequate overall amount of coins in the economy, the slowed pace of circulation has reduced available inventories in some areas of the country.

The Federal Reserve is working with the U.S. Mint and others in the industry on solutions. As a first step, a temporary cap was imposed on the orders depository institution’s place for coins with the Federal Reserve …

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APY vs APR – what is the difference?

APY vs APR – what is the difference?

To break it down, APY, or Annual Percentage Yield, is the interest you earn on money stored in a savings account, while APR, or Annual Percentage Rate, is the interest you owe when you borrow from the bank. It’s important to know the difference between these two key terms as they impact your finances, especially when investing or taking out a loan. APY and APR affect how your interest is ultimately calculated. Knowing the difference between APR and APY could help you earn more or owe less money. 

APY “Annual Percentage Yield” is the …

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PPP Loan Forgiveness

PPP Loan Forgiveness

You can carefully review the information provided by the Small Business Administration (SBA), the US Treasury:

Frequently Asked Questions on PPP Loan Forgiveness
SBA Loan Forgiveness Application and Instructions
SBA Loan Forgiveness Form EZ and Instructions (if applicable to your situation)

FOR ALL BORROWERS $50,000 AND UNDER

We are pleased to share that the Small Business Administration just announced a simpler forgiveness process for PPP loans of $50,000 or less. We are working to implement the new application process into our online portal it and we will let you know more as soon as we can.

Over the …

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Paycheck Protection Program from a Bank’s Perspective

Paycheck Protection Program from a Bank’s Perspective

The Coronavirus Aid, Relief, and Economic Security Act, also known as the CARES Act, was passed to offset the economic fallout of the COVID-19 pandemic in the United States. It was signed into law by President Donald Trump on March 27.

The Paycheck Protection Program (PPP) is one component of the CARES Act designed to get money directly into the hands of small businesses and non-profits so they can continue to employ their people through these challenging times. The philosophy of the program is that our …

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Full service banking available through Drive ups, Hybrid ATMs and online

Full service banking available through Drive ups, Hybrid ATMs and online

As the coronavirus (COVID-19) continues to spread, Heritage Bank is taking precautionary measures to keep our customers and employees safe.

Our lobbies are closed as of Thursday, November 19th but our drive up lanes, night drops and Hybrid ATMs are available in several locations.

If you are taking precautions and staying home, we have options to help you with your banking needs

Digital Banking

Mobile Deposit
Money Transfer Options

Hybrid ATM
Online Account Opening
Online Mortgage Application

If you need additional account assistance or would like to schedule an appointment with any of our …

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What are Certified and Preferred SBA Lenders?

What are Certified and Preferred SBA Lenders?

Adapted from the U.S. Small Business Administration Web site.

The SBA works with many banks to provide small businesses with financing. This opens up funding opportunities for companies that may not qualify for bigger loans from venture capitalists or angel investors. Read our guide to Bank Loans for Small Businesses, which lists some of the key elements that a bank looks for in a good loan applicant.

The most active and expert SBA lenders qualify for the SBA’s Certified and Preferred Lenders Program. Participants are delegated partial or …

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Avoid Coronavirus Scams

Avoid Coronavirus Scams

Tips to Avoid Coronavirus Scams and Protect Your Money

Unfortunately, fraudsters are finding ways to take advantage of fears related to the coronavirus. Learn about the common scams and what you can do to protect yourself.

Common Scams 10 Tips to Avoid Becoming a Victim

Watch out for phishing scams.  Phishing scams use fraudulent emails, texts, phone calls and websites to trick users into disclosing private account or login information. Do not click on links or open any attachments or pop-up screens from sources you are not familiar with, …

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Rise up with Heritage

Rise up with Heritage

Heritage Bank has endured seven recessions, multiple farm crises, floods, tornados and even disco during the 70’s. We made it through these tough times. We rallied and pulled ourselves up by our bootstraps. We worked diligently with our fellow employee-owners, customers and communities to makes things better. As a team we achieved.

With the recent outbreak of COVID-19, our world is experiencing another tough time. We see our family, friends and neighbors around the country falling on hard times from the virus itself and from the …

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