Whether you prefer a basic checking account or one that provides rewards, Heritage Bank has a personal checking account that is right for you.
Carefree APPLY ONLINE |
eCentive® APPLY ONLINE |
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Interest Bearing: | NO Non-interest bearing |
YES Earn our highest interest rate on balances up to $100,000 (See Reward Program details) |
Minimum Opening Deposit: | $100 | $100 |
Minimum Balance: | $0 | $0 |
Electronic Statements: | Available for free | Required and free |
Service Fee: | $4 per month if not enrolled for electronic statements | $4 per month if not enrolled for electronic statements |
Debit Card: | Yes | Yes |
Save Up: (More Info) | Yes – Must enroll | Yes – Must enroll |
Digital Banking App: | Yes | Yes |
Reward Program: | None | QUALIFICATIONS:
INCENTIVES: Earn 2.02% APY3 on balances up to $100,000 Earn 0.14% APY3 on balances over $100,000 Receive ATM fee refunds automatically up to $25/month4 WHEN QUALIFICATIONS ARE NOT MET: Earn 0.05% APY3 No ATM fee refunds Account remains eligible to qualify for incentives in subsequent months |
APPLY ONLINE | APPLY ONLINE |
- Primary account holders (based on social security numbers) are limited to two (2) eCentive® Accounts
- Overdrafts & NSF: $33 per item
- $30 fee if the account is closed within 6 months of opening
- ATM transactions do not count toward the debit card purchase requirement.
- Monthly Electronic Statements and valid email address required. $4 per month paper statement fee if you fail to enroll.
- APY = Annual Percentage Yield. Fees may reduce earnings. Interest rate is variable and may change after the account is opened.
Interest Rates Effective Since May 1, 2023.
- 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)