First-time home buyers are both excited and nervous! There’s so much to learn, steps to take, research to do and then the big decision! It starts with the preparation and budgeting. Figuring out how to make the transition, when, where and what price point should be looked at. It can be overwhelming.
The first step needs to be getting pre- approved and we’ll talk more about that, but let’s just jump right to the end for now. Let’s say you do all the steps and then …

As people start heading off to vacations in different places, there are a few things everyone should remember when it comes to keeping your spending money safe on vacation.

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Click “Manage your Card” (aka CardValet™ ) on our Mobile app and that provides the ability to turn your debit card off and on and actively manage your usage by defining when, where, and how your debit card is used.

Here are a few helpful hints to keep you and your money safe while on vacation:

Make sure to let your bank …

It’s cold outside, winter is here, we’ve wrapped up the Holidays and less people are out and about.  Yes, this is all true because we live in the midwest!  So how do the winter months affect the housing market and what does that mean for you as a buyer?  Have you ever heard this said, “Oh, I think we’re just going to wait until spring”?  We’ve all heard it and it can be applied to many things but when it comes to the housing market, …

Mobile Purchasing

Heritage Bank and Elan provide credit card users the latest in digital technology. Elan now offers cardmembers the ability to make secure mobile payments* with a compatible Apple®, Android®, or Samsung® phone, tablet, or watch without ever opening their wallet.

Mobile Payment Technology

Streamline Check Out

With Mobile purchasing, at check out, cardmembers can use their phone instead of swiping a card. They can simply wave their phone over a compatible terminal to pay. When they hold their phone near the terminal, they can “okay” the purchase …

I’ve been hearing about the Equifax breach in the news. What happened?

Equifax, one of the three major credit bureaus, experienced a massive data breach. The hackers accessed people’s names, Social Security numbers, birth dates, addresses and, in some instances, driver’s license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people.

Was my information stolen?

If you have a credit report, there’s a good chance it was. Go to a special website set up by …

Effective June 25 2017, changes are being implemented to keep the security at the highest possible level for Mobile Banking. You will need to be sure that your device is on a compatible OS (Operating System).

Please ensure that you are using a compatible version as listed below.

Android users with devices on Android KitKat 4.4-4.4.4 (Level 20) and above will be able to connect to Mobile Banking
Iphone users with devices on iOS 8 and above will be able to connect to Mobile Banking

If you are on an …

Credit Professionals like Travis Jones must keep in tune with ever-changing credit environment

[SPICER, MN] – Heritage Bank is proud to announce that Travis Jones, CRC, passed the Credit Risk Certification test through the Risk Management Association.

The exam covered seven broad areas of credit risk assessment.  This new knowledge allows Travis to work on a deeper level with his clients to prepare for unexpected incidents.  Proactively discussing risks and developing a plan to address those risks gives clients a peace of mind when these events occur.

Jones, …