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 |
Payroll Plus APPLY ONLINE |
|
| Interest Bearing: | NO Non-interest bearing |
YES Earn a high interest rate on balances up to $100,000 (See Reward Program details) |
YES Earn our highest interest rate on balances up to $100,000 (See Reward Program details) |
| Minimum Opening Deposit: | $100 | $100 | $100 |
| Minimum Balance: | $0 | $0 | $0 |
| Electronic Statements: | Available for free | Required and free | Required and free |
| Service Fee: | $4 per month if not enrolled for electronic statements | $4 per month if not enrolled for electronic statements | $4 per month if not enrolled in electronic statements |
| Debit Card: | Yes | Yes | Yes |
| Save Up: (More Info) | Yes | Yes | Yes |
| Digital Banking App: | Yes | 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 |
QUALIFICATIONS:
INCENTIVES: Earn 4.04% 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 |
- Primary account holders (based on social security numbers) are limited to two (2) eCentive® Accounts
- Overdrafts & NSF: $33 per item, per presentment
- $30 fee if the account is closed within 6 months of opening
Not sure which personal checking account is best for you? Stop in and visit one of our customer service staff members. They’ll help you analyze your activity and show you an account plan that will maximize your portfolio with Heritage Bank.
- 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.
- 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)
Important Information
Procedures for Opening an Account
Mandated by the USA PATRIOT ACT
To help the government fight the funding of terrorism and money laundering activities, the USA PATRIOT ACT, a Federal law, requires all financial institutions to obtain, and record information that identifies each person who opens an account.
What this means for you:
When you open an account, we will ask you for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
Interest Rates Effective Since October 10, 2023.