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
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: Have debit card purchases1 of $500 or more post to your account each month Have at least one automatic payment or direct deposit post to your account each month Enroll and receive monthly eStatements2 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

1. ATM transactions do not count toward the debit card purchase requirement.
2. Monthly Electronic Statements and valid email address required. $4 per month paper statement fee if you fail to enroll.
3. 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.

4. 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)