Ensuring access to opportunities for growth, learning, and connection is critical to building stronger communities. Heritage Bank NA, in collaboration with the Federal Home Loan Bank of Des Moines (FHLB Des Moines), recently took a significant step toward supporting this mission by awarding a $20,000 grant to the Kandiyohi County Area Family YMCA. The grant…
Navigating the Minnesota real estate market can be daunting, especially for first-time homebuyers. With increasing housing prices, limited starter home options, and economic factors influencing mortgage rates, understanding the market dynamics is critical. To shed light on these challenges and offer expert advice, KWLM sat down with Doug Frazzini, Capital Market Specialist at Heritage Bank,…
Banking security has never been more critical today, when technology plays a significant role in our daily lives. Kelly Pickle, the Director of Enterprise Risk at Heritage Bank NA, recently appeared on KWLM’s ‘Ask the Expert’ segment. She highlights how community banks, like Heritage Bank, are taking significant steps to protect their customers from cyber…
Get ready to tee up for a day of fun, community connection, and philanthropy! The 16th Annual United Way Golf Tournament is coming in June, and Heritage Bank NA is proud to sponsor this Willmar, Minnesota, event. Mark your calendars for Friday, June 20th, and join us for a tournament that brings local businesses, community…
Phishing scams are on the rise, targeting individuals and businesses alike, often leaving victims in financial ruin. For online banking users and security-conscious individuals, understanding and preventing phishing attacks is critical to protecting one’s financial future. Ruth McDonnell discusses how you can safeguard your financial future in the KWLM Ask the Expert segment. This guide…
Building a home is an exciting milestone, but if you are like many first-time builders, the construction loan process can feel overwhelming. Whether you are a future homeowner, a Willmar resident looking to build a new home, or someone planning your dream project, understanding how construction loans work is essential. Heritage Bank NA, located in…
For 50 years, Heritage Bank NA has been more than just a financial institution—we have been a committed partner to the Willmar area community, helping local businesses, families, and individuals achieve financial success. This year, we proudly celebrate the Raymond branch’s 20th anniversary and the Willmar branch’s 40th anniversary as active members of the Willmar…
For many small business owners, securing the right financing is essential for growth and long-term success. Whether you’re launching a startup, purchasing an existing company, expanding operations, or investing in equipment, Small Business Administration (SBA) loans offer flexible funding options to support your goals. As Jeremy Goltz, Relationship Manager at Heritage Bank NA, discussed on…
At Heritage Bank, our mission is to help you make the most of your money. Recently, KWLM sat down with Jon Liesener, Banking Apprentice, and Mandy Fleming, Market Manager, to discuss smart financial resolutions. Their expert tips will help you save money and use high-interest checking accounts. This will guide you to financial success in…
Improving and maintaining a good credit score isn’t just a financial goal—it’s necessary for anyone planning a significant purchase, like buying a home or a car. Yet, many of us don’t fully understand the factors that impact credit scores or how to improve them effectively. That’s where Brandie Wenham, a seasoned credit expert and private…
In a recent segment of Ask the Expert on KWLM, Chuck Nolting, Ag Relationship Manager at Heritage Bank NA, shared valuable information about the challenges and opportunities currently facing farmers and the agricultural industry. With over 25 years of experience in agronomy (the science of soil management and crop production) and agricultural finance, Nolting has…
Struggling with a low credit score that is keeping you from getting a mortgage? You’re not alone. Many people find themselves in a similar situation, but the good news is that improving your credit score is entirely possible. This blog will walk you through 5 simple and effective ways to help raise your credit score…
Willmar, Minnesota – October 11, 2024 – Heritage Bank is thrilled to announce the appointment of Dave Henle as the new Market President for Minnesota branches. With over 25 years of dedicated service at Heritage Bank NA, Henle brings a wealth of experience and a proven track record of success in the financial sector. Throughout…
Are you trying to maximize your healthcare budget while maintaining access to quality care? Health Savings Accounts (HSAs) could be the solution for you. They offer substantial financial advantages and allow more flexible and affordable access to various medical services. But what is an HSA — and how does it work? Learn about HSAs: eligibility,…
In today’s world, every penny counts. But did you know that your bank could be doing more for you? You might be surprised to learn that there are several ways to squeeze more passive income out of your existing accounts. Here are 9 strategies to turn your bank into a money-making machine: 1. Interest Checking…
How do I switch banks? If you’re like most people, you’ve probably experienced a bank with poor customer service. If repeated offenses occur, you will consider switching banks. Knowing how to switch banks will make the process much easier. Switching banks might seem daunting, especially if you’ve been with your current bank for a long…
Discover the benefits of direct deposit at Heritage Bank NA. Streamline your payday and enjoy enhanced security and convenience with your checking account. In this post, you’ll learn how direct deposit can simplify your banking experience and provide peace of mind for you as an employee or a small business owner. Let us show you…
Sioux Falls, SD – April 22, 2024 – Levo Credit Union plans to acquire a Sioux City, IA, bank branch from Heritage Bank, National Association. The branch is located at 4530 Singing Hills Boulevard. Levo, which is headquartered in Sioux Falls, SD, has entered into an agreement with Heritage, which is based in Spicer, MN.…
You’ve made a plan to pay off your credit card debt. Great! Now how do you go about keeping track of your progress? As a customer of Heritage Bank NA, you have access to our free myMoney tools in digital banking. By connecting your credit card – even if it’s through another financial institution –…
Is credit card debt on your mind? You’re not alone. Credit card balances increased by $45 billion in the second quarter of 2023, according to the Federal Reserve Bank of New York’s Center for Microeconomic Data. Looming credit card debt can put a damper on your financial goals. Paying down that debt is a crucial…
Making the most of your finances requires looking for creative solutions to maximize your money. Knowing which is the best choice for your financial situation can be challenging with so many options. This Rewards Showdown post will discuss the differences between Interest Checking and Rewards Credit Cards. We’ll explore the advantages of each and give…
Wondering why Adjustable Rate Mortgages (ARMs) are popular? While ARMs come with some risks, they can be a smart move when interest rates are on the rise. Let’s explore how an ARM works and why it might be the right choice in the current housing market. What is an adjustable-rate mortgage? An ARM is a…
Do you ever feel like your business checking account is making life more complicated than it needs to be? From high fees and limited accessibility to inconvenient hours and multiple trips to the bank – it’s easy for even the savviest of business owners to get frustrated. Read on for 3 key reasons why your…
Are you ready to start your home-buying journey but don’t know where to begin? Getting pre-approved for a mortgage is crucial when entering the real estate market. It gives you an idea of what kind of budget you can realistically work with. When you get to the offer stage, most sellers and real estate agents…
Meet Matt Hubert. Matt is a dedicated and knowledgeable Ag Relationship Manager at Heritage Bank NA. Matt knows the ag space well. He has been an ag lender for three and a half years, and before that, he worked for a leading ag equipment dealer for seven years, getting to know ag leasing and financing…
Scammers are finding new and sophisticated ways to trick people into giving their banking information. Read on about online banking security and learn ways to keep your account safe. How secure is online banking? Online banking has become an increasingly popular way for people to manage their finances. With this shift towards digital banking comes…
In the current rising interest market, with a low inventory of houses, it’s common for houses to get multiple offers. As a potential buyer, how do you make your offer stand out? The answer isn’t always to make sure you have the highest offer. Read on to learn tips from an experienced Realtor and a…
Looking for a reliable and convenient online checking account? Discover our eCentive checking account! We are proud to announce that it has just been named the best online checking account of 2023 by WalletHub. With competitive interest rates, access to physical bank branches when needed, secure digital services, and customer support, our eCentive checking account…
Getting a physician loan can be a great way for doctors to own a home with less out-of-pocket expenditure, so if you are looking for a physician loan, this might be the perfect option for you. In this article, you will get the information you need to decide whether a physician loan is right for you.
The holidays are just around the corner and if you’re usually particularly giving this holiday season, your wallet could experience inadequacies. The good news is that it’s definitely possible to spread the holiday cheer without breaking the bank. Keep your holiday spending in check with these five tips. Your savings and bank account will thank you.
Is the Traditional Savings Account Still Beneficial?
It is not a mystery that the common savings accounts aren’t as accepted as they were in the past. With all the contrasting options to choose from, people are even starting to question whether a savings account is the most advantageous way to save money. At Physician Bank, while we still provide common savings accounts, we have a couple of good choices, and we want to {help you find the best solution that best fits your need. So, if you are wondering if the traditional savings account is no longer needed, you don’t have to worry – at Physician Bank, all bases are covered!
You probably dream of owning a nicer house, cabin, or car someday, but aren’t sure if you have enough money saved. The time has come to start saving! Here are twelve tips and helpful advise on how to save money, so you have it when you really need it.
Hackers try new, sneaky ways to gain access to your private, personal information constantly, making cybersecurity more relevant than ever. Find out how to protect your personal information. Scammers’ deceptive traps can be avoided by following these tips.
How to choose a mortgage lender
Finding the right home mortgage lender can be a complicated and stressful process. Prepare for home mortgage financing before you begin shopping. Heritage Bank NA prides itself in offering an easy, ethical, and stress-free process of applying for a mortgage. Learn more today.
Is that call, text, or email suspicious? Take a look at these red flags. It is always best to defend yourself against scammers. Scammers will attack your accounts if you don’t lock them down. If you suspect that you have received a scam email, call, or text, learn what you need to do. The possibility exists that you have been scammed. Determine how you can proceed. Read this post today.
The Heritage Bank eCentive checking account offers you the opportunity to earn more with your money! In August 2022, bankrate.com ranked the eCentive® account #1 for best overall interest rates. Check out our eCentive® checking account for high interest rates on a versatile account. There are several benefits to this program…
Exactly What is a Certificate of Deposit (CD)?
A CD is a deposit account that you open with a bank, a credit union, or an online financial institution. A CD lets you hold money for a specific amount of time and earn interest. Here are 3 reasons why you should open a Certificate of Deposit today.
Place your liquidity in a Jumbo account while you wait for the markets to rise. This option makes sense due to its high interest rate, no early withdrawal penalty, and full FDIC insurance. Take a look at our Jumbo Deposit today!
“Make sure that you’re spending money on the right things. Make sure that you’re not frivolously spending money on various things because you’re probably going to need some of that extra free cash flow to pay for the things you absolutely need, not necessarily what you want.” Marshall Clay says inflation is the number one…
Heritage Bank has started offering a Customer Education Series called GROW. The series will cover a variety of topics that are aligned with our purpose, to help people succeed financially. With the GROW series, we intend to provide something that is truly unique among financial institutions, reinforcing our reputation as trusted advisors for our customers.…
What is an Individual Retirement Account (IRA)? An individual retirement account (IRA) is a tax-advantaged investment account that individuals can use for retirement savings. There are several types of IRAs, such as traditional, Roth, SEP or SIMPLE. Contributions to some IRAs may be tax-deductible or withdrawals may be tax-free. Why invest in an IRA?…
Wherever you are on your path towards financial independence, it’s important to think about what would happen to your financial accounts if you were unexpectedly pass away. It seems like a morbid thought, but planning for the well-being of your family is essential. Even if you don’t yet have a spouse or children, thinking ahead…
POSITION SUMMARY: Helps all Heritage Bank customers achieve financial success by assisting them with deposits and withdrawals, deposit account needs, loan inquiries and payments, and other banking products/services they may need help with. PRIMARY JOB ACCOUNTABILITIES: Accurately processes all cash transactions, including deposits/withdrawals and transfers to/from accounts. Has working knowledge of all deposit accounts to…
According to Twin Cities Pioneer Press, Nolan Sprengeler of Plymouth was out fishing Rock Reefs on Lake Mille Lacs around 9 PM last Monday and hooked himself what appears to be a record breaker.
Sprengeler weighed his fish on a certified UPS scale but all potential record breakers need to be vetted by the Minnesota Department of Natural resources.
Foley High School is having showings of its fall musical this week. Continue reading…
If you’re a ‘Charlie Brown’ fan then you’re not going to want to miss this fun, festive event. Continue reading…
With talk of product shortages this holiday shopping season, you might want to consider keeping your dollars local. Some of the best gifts are handcrafted and locally made with love! If you’re wondering where you can find such fun things, look no further. Continue reading…
For the first time since March 2019, the St. Cloud State Men’s hockey program is the top-ranked team in the country in this week’s USCHO poll. Continue reading…
After hiring HPE channel veteran Terry Richardson in March, AMD is expanding its channel team further with the hiring of former Tech Data executive Marty Bauerlein as head of North America commercial VARs. Bauerlein tells CRN that he plans to expand AMD’s coverage model for VARs in the enterprise, midmarket and SMB segments, and partners say he will increase the chipmaker’s relevance in the channel.
Award-winning restaurant hires industry veteran as Director of Real Estate to secure prime locations throughout the U.S.
The post Walk-On’s Targets Major Development Throughout Iowa and Nebraska first appeared on RestaurantNews.com.
Farmers are wrapping up the soybean harvest in South Dakota and are moving quickly on corn. Farmers so far are finding huge variability in corn yields, just like soybeans.
Oct. 26, 2021 A neighborhood pizza shop is expanding to downtown Sioux Falls. Sunny’s Pizzeria is taking over the kitchen at EightyOne Arcade Bar early next month. The arcade is in The Carpenter Building on Phillips Avenue between 10th and 11th streets. “I’ve had a lot of people ask me if we’d ever consider a second […]
In Sioux Falls, we’re fortunate to have women at the forefront of many entrepreneurial ventures and resource organizations.
Among the finishers was St. Paul Mayor Melvin Carter. He called the race from downtown Minneapolis to the State Capitol in St. Paul "an emotional victory for the Twin Cities."
Next to snoring, cold feet have to be the next best thing to a terrible nights sleep. Continue reading…
An Omaha couple is expanding their New Age crystal store to Sioux Falls.
SIOUX CITY — The City of Sioux City Parks and Recreation Department will hold a public input meeting Oct. 13 to discuss the development of mountain bike trails at Cone Park.
SIOUX CITY — Spectra has announced the return of community Trick or Treat to the Tyson Events Center on Oct. 28.
St. Cloud State University is holding its sixth annual Alumni Art Show. Continue reading…
As the cold weather months approach, the Knight of Columbus Council 5548 is holding their annual winter coat drive. Continue reading…
Calling all ghosts, goblins, ghouls and little monsters–to celebrate all things spooky and scary, Sartell Chamber of Commerce is hosting Monster Dash again this year! Continue reading…
The 2020 U.S. Census shows which Minnesota counties grew and shrunk the most in the last decade. Any guesses? Continue reading…
After a hot and dry summer, central Minnesota has been blessed with a bunch of rain and mushrooms are starting to pop up everywhere. Continue reading…
SIOUX CITY — Red and green ribbons were ceremoniously cut Wednesday to celebrate the completion of the first phase of the Ginny Peterson Behavioral Health Campus.
The first apartments are coming to Lake Lorraine – and they’re unlike anything in town.
Munsinger Gardens is the only public garden in Minnesota that hugs the shoreline of the Mississippi River.
St. Joseph is planning on partnering with the St. Cloud Area Family YMCA to open a new community center. Continue reading…
Next week is Pride Week in St. Cloud with a full schedule of events planned around town. Continue reading…
Get ready to rock out this weekend in Albany for the 2021 Rock The Prairie music festival. Continue reading…
It is only mid September but the changing of the leaves has already begun in extreme northern Minnesota. Alyssa Hayes from Explore Minnesota joined me on WJON today from International Falls, Minnesota. She says she is seeing many signs of fall there with the beginning of fall colors. Continue reading…
Duluth’s city hunt hits its 17th season.
Shark Shredder, an artist who recently moved to Pequot Lakes, Minnesota, created a design that shows a walleye reading the local newspaper and drinking a cup of coffee. The postcards were printed at the Minnesota Newspaper Museum at the fairgrounds and given to fairgoers.
Looking for a new restaurant to try? Wahlburgers has opened in the west-side Hy-Vee.
We have your Equipment Financing solution! Is your farm or business needing to upgrade or add to your equipment? We are now offering rates as low as 2.54% APR (Annual Percentage Rate) for loans of $100,000 or more to qualified borrowers! Commercial and Ag Financing loans $100,000 minimum loan size 0.50% origination fee $175 loan…
ONE-HUNDRED MILLION DOLLARS! Celebrating a milestone at Heritage Bank! Heritage Bank has successfully completed the approval process for over $100 Million in PPP loans to small businesses! James Miller, Relationship Manager and SBA Paycheck Protection Program Specialist, along with Jamie Blades, Process Coordinator, spread the news today. “It is a team effort here,” Miller said. “We…
“People used to joke that we were kind of a little hole in the wall that nobody knew about. And I feel like we’ve made it out of the corner.” Check out the new home for Papa Woody’s Wood Fired Pizza, which opens tonight.
Your Device. Your Choice. With a quick tap of your smartphone or smartwatch, you can use your Heritage Bank Mastercard® debit card to pay at millions of store locations that accept mobile payments. You get all of the same benefits your card offers, including the added protection of Mastercard Zero Liability.* Adding layers of security…
Written by Kent Thiesse ANALYZING FARM PROGRAM DECISIONS FOR 2021 The deadline to sign-up for the 2021 farm program is March 15 at local USDA Farm Service Agency (FSA) offices throughout the United States. Beginning with 2021 and continuing through 2023, farm program choices (PLC, ARC-CO or ARC-IC) will be made on an annual basis…
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…
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,…
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…
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…
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…
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,…
We are honored to be named as the 2020 Top Regional Bank for our eCentive Account, Heritage Direct savings, and Carefree Checking. Find out more about these great accounts here! Heritage Bank’s Carefree Checking account scored well because it doesn’t require a minimum balance. You also only need $100 to open an account. Heritage Bank,…
As part of the Economic Development Rural Initiative Program, Dakota Business Finance established an annual program to present community lending awards. On Wednesday, Oct 9, the communities of Milford and Odebolt were presented with awards and special recognition was given to the lenders who contributed to receiving the award. We are proud to congratulate our…
Teresa Marnach, Mortgage Loan Originator, NMLS# 1563290 Receives Preferred Lender Designation (DES MOINES) – The Iowa Finance Authority (IFA) today announced that a total of 20 lenders have earned IFA’s 2020 Preferred Lender designation. IFA Preferred Lenders serve as ambassadors for Iowa home buyers seeking assistance with the homeownership process and are expertly trained in…
We are currently looking for dynamic, hard-working people for several job postings – if you would like more information or would like to apply, we encourage you to contact Human Resources today! Check out our Career Opportunities page and get your resume submitted today!
Chris Vraa and Jeff Asche Named Minnesota Housing Top Producing Loan Officers Willmar, Minn. – Chris Vraa and Jeff Asche of Heritage Bank were named Minnesota Housing Top Producing Loan Officers for loan production during the second half of 2018. Vraa received Platinum Level designation and Asche received Silver Level. We know homeownership builds equity…
United Bank of Iowa, headquartered in Ida Grove, has reached an agreement with Heritage Bank N.A. to purchase their locations in Anthon, Cushing, Holstein, Aurelia, Alta, and Lytton, Iowa. The sale, subject to regulatory approval, is targeted for completion in October 2019. Heritage Bank’s two Sioux City locations are not affected by this sale. Heritage…
We often hear phrases such as “protect your working capital”, or “watch your liquidity”, or “cash is king”, when referring to short-term financial analysis of a farm business. All of these terms generally refer to the “working capital” of a farm business. A significant decline in working capital in a farm operation can lead to…
Written by Kent Thiesse, Farm Management Analyst Dated January 7, 2019 The partial shutdown of the U.S. government has entered its third week (as of January 7). The shutdown officially began after December 21, 2018. Through the holiday season, most of the discussion regarding the shutdown has been around the political division over the issues that…
Malicious malware and scammers are constantly finding different ways to reach their targets. Whether it is via text scams (Smishing) or voice phone calls (Vishing), it is wise to educate yourself and be smart about what actions you take. As always, the first line of defense against cyber attacks is the user. SMS or Text…
You can now freeze or unfreeze your credit for free, thanks to a new federal law that went into effect on September 21, 2018. Although the ability to freeze your credit was already free in some states, it is now available in all states across the nation. “If you have been subject to any level of identity…
Our Customer Service team can answer all your questions about the eCentive Account! Here are answers to some frequently asked questions to get you started! Q: DO I HAVE TO LIVE IN THE UNITED STATES TO OPEN AN ECENTIVE ACCOUNT?|| A: At this time, we can open accounts for U.S. Citizens and Resident Aliens. We are not…
Here are some helpful answers compiled by our Jumbo Deposit Account specialists. We invite you to consider this great interest-bearing account with flexible options to ensure even your largest deposits can be fully FDIC insured. Q: DOES THE JUMBO DEPOSIT REQUIRE A MINIMUM BALANCE?|| A: There is no minimum balance requirement, but larger deposits earn higher interest…
When I talk with farmers, I always ask them about their goals. It may be what their goal is for a specific project they are working on. Sometimes, we discuss “big picture”-type goals for the farm as a whole. No matter what type of farm you have or what stage you or your farm are…
Please pay close attention to this notice if you have a loan at Heritage Bank NA with an Escrow Account….. Our loans with escrow accounts are analyzed once per year to make sure we have sufficient funds to pay taxes and insurance throughout the year. This affects customer payments starting with the July mortgage payment. …
For the past two years the U.S. House and Senate have been holding hearings and listening sessions on the next Farm Bill. The current Farm Bill, which was enacted in 2014, and governs USDA programs from 2014-2018, expires on September 30, 2018. Release of specific Farm Bill proposals by Congress have been quite slow, leaving…
Normally by mid-April, midwest farmers have either begun spring fieldwork, or are within days of the beginning of the planting season for the year. However, 2018 seems to be the “Winter that never ends,” as another major snowstorm hit Minnesota and surrounding States this past weekend. Temperatures have been extremely cold during the first half…
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…
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. Click “Manage Cards” on our Digital Banking and that provides the ability to turn your debit card off and on and actively manage your usage by…
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,…
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…
Tax season is approaching and we need to send out your tax documents. To help ensure secure delivery of your personal data, please be sure to update your address, phone number and email address with Heritage Bank. You can provide that information when you log into Online Banking or contact one of our customer service…
Through the years BauerFinancial has earned the reputation of “the nation’s bank rating service”. If all banks and credit unions have federal deposit insurance what difference does it make what the rating is? Consumers (and businesses) that exceed the deposit insurance limit could lose some of their money in a bank failure; it is surprisingly…
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…
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…
Experience and proficiency will fuel the growth of Heritage Bank’s Rural Iowa Ag Team [Holstein, IA] – Heritage Bank N.A. welcomes Tony Gordon, a lender with a strong history in the ag industry. Gordon joins our team as an Ag Relationship Manager in our rural Iowa market. Mr. Gordon’s portfolio includes farm clients in the…
New Business Banker a critical piece in our expansion Heritage Bank N.A. is excited to announce the hiring of Brian Zech as a Business Relationship Manager in Sioux City. “Brian is well-suited for the Sioux City market as he specializes in commercial real estate and has worked with all aspects of operating and equipment loans,” Market…
REEMTSMA BELIEVES GREAT RELATIONSHIPS DRIVE GREAT SUCCESS With over a decade of banking experience, Reemtsma touts relationships as key component [SIBLEY, IA] – Heritage Bank N.A. is proud to announce Mike Reemtsma, a skilled banking professional with a strong focus in agribusiness, has a new office in Sibley, IA. Mr. Reemtsma is an Ag Relationship Manager with…
The addition of a new Business Banker is a critical piece in the expansion of our service area Heritage Bank N.A. is excited to announce the hiring of Marilee Martin Jager as a Business Relationship Manager. Ms. Martin Jager complements the team, bringing more than 12 years of banking experience from various sized markets. “Marilee’s…
Heritage Bank is preparing for spring by strengthening, filling out Ag Team Heritage Bank N.A. welcomes Susan Brugger, a lender with a rich history in the ag industry. Ms. Brugger joins our team as an Ag Relationship Manager. Brugger is working with farm clients in central Minnesota. “Susan’s professional history with lending and insurance, partnered…
Merry Christmas and Happy New Year! All of our locations will be closing on the following days. Tuesday, December 24th – Closing at 1:00 Businesses using ACH, Remote Deposit, Wire, and PositivePay services through online banking will be cut off at 12:30 Transactions received at the bank after these times will be processed Thursday, December…
With the help of technology, our new Hybrid ATM helps us provide additional banking conveniences to the communities we serve. Heritage Bank has listened to the requests of our customers and, with advances in technology, the employee-owners are proud to announce our extended customer service hours at the new Hybrid ATM. Employee-owners of Heritage Bank,…
NEW COMMERCIAL TEAM COMES ON STRONG IN SIOUX FALLS Heritage Bank is committed to growth in Sioux Falls by first creating a solid foundation. Heritage Bank N.A. announces the hiring of Jared VanBockern, a champion of new business development with strong business connections in Sioux Falls. Mr. VanBockern joins our team as a Business Relationship…
Heritage Bank is honored to be selected by the Willmar Area Community Foundation as the recipient of the Community Builder Award for 2016. On behalf of all of our employee owners, we want to thank the Willmar Area Community Foundation for selecting Heritage Bank as the recipient of its Community Builder Award. Receiving this award is…
Revitalizing an underutilized downtown building should bring new energy to downtown Raymond Heritage Bank has partnered with developer Okay! Home Solutions of Raymond to bring new life to the corner of Cofield Street and Spicer Avenue in Raymond. Heritage Bank has sold the building to developer Steve Bristle, but will remain as a tenant in…
We proudly congratulate Dave Henle on his graduation from the Graduate School of Banking Dave Henle was awarded a diploma on August 12, 2016, at commencement exercises during the 72nd annual session of the prestigious Graduate School of Banking at the University of Wisconsin-Madison. The School, sponsored by state bankers associations from across the central United…
CELEBRATING NATIONAL AG WEEK “National Ag Week” is being celebrated March 13-19, 2016, all across the United States, as well as in Minnesota, with Tuesday, March 15, being designated as “National Ag Day”. As we celebrate “National Ag Week”, it is a good time to reflect on all the traditions and advancements that help make…
February 20-27, 2016 is National FFA Week. Heritage Bank is a proud supporter of ag education, the future farmers and the advisers who give of their time to guide and teach!
The employee-owners at Heritage Bank are just as invested in your community as you are! We take pride in being the bank of choice in the communities we serve. Whether you are looking to buy a new home, or you want to refinance your existing mortgage for equity or rate reasons, let the Midwest Home…
For many years, our Heritage Bank locations in Iowa have hosted Angel Trees. These trees are set up in the bank lobbies in early December decorated by tags listing gifts or household items requested by area families and charitable organizations. By Christmas, each lobby is overflowing with generosity from of our community members and Heritage…
Many crop producers in the Upper Midwest are coming off one of their best years ever in 2015, as far as corn and soybean yields are concerned. In addition, many farm operators in the same region that are enrolled in the new Ag Risk Coverage (ARC-CO) farm program option recently received a significant ARC-CO payment…
Securing Your Home Network A protected home network means your family can use the Internet safely and securely. Most households now run networks of devices linked to the Internet, including computers, laptops, gaming devices, TVs, tablets, and smartphones that access wireless networks. To protect your home network and your family, you need to have the…
When you choose which bank is best for you, do you make your selection by the structure of its walls and the height of its roof? Probably not. You would be more likely to select a bank that you could trust to keep your finances secure, provide timely services and useful products and have available…
Today’s mobile devices are as powerful and connected as any PC or laptop. Take the same precautions on your mobile device as you do on your computer with regard to messaging and online safety. The first step is STOP. THINK. CONNECT. October is National Cyber Security Awareness month. Heritage Bank found these great tips offered by…
Senior customers from all over northwestern Iowa gathered on Thursday, Oct. 1 for Heritage Bank’s Annual Customer Celebration in Holstein. Bridge players and 500 players competed at tables in Holstein’s Veteran’s Memorial Hall all afternoon and enjoyed a community meal to wrap up the evening. Several of the Heritage Bank Employee Owners were on hand…
Heritage Bank is excited to provide eNotices to help shorten delivery time of important account information and reduce paper waste! As of Monday, Nov. 2, 2015, electronic notification will be sent out via email for all checking overdrafts, insufficient funds and returned items. If you are currently signed up to receive eStatements and your checking…
STOP. THINK. CONNECT. is simple, actionable advice that everyone can follow to stay safer and more secure online. STOP: Before you use the Internet, take time to understand the risks and learn how to spot potential problems. THINK: Take a moment to be certain the path ahead is clear. Watch for warning signs and consider…
In 2012, we began the process of consolidating all Heritage Bank accounts into one routing number: 091914710. It has recently come to our attention that some electronic payment systems are no longer accepting or recognizing our old routing number: 073908731. To prevent any delay in payment or non-payment, please make this change with your vendors…
FOR IMMEDIATE RELEASE – The Iowa Bankers Association has released the second edition of its Economic Forecast Survey, measuring changes in the economic outlook in Iowa since the first survey was released in January 2015. The survey asks a representative sample of bankers from across the state to provide their predictions for the next six…
Heritage Bank proudly presents Focus on Ag, a column submitted by a Professional Farm Management Analyst As part of the 2014 Farm Bill, USDA was designated to review and revise the “actively engaged” in farming rules that are used to determine individuals that are eligible to receive government farm program payments. The current “actively engaged” requirements…
The Federal Trade Commission has announced the launch of a new website, IdentityTheft.gov, a resource that makes it easier for victims to report and recover from identity theft. The new website provides an interactive checklist that walks people through the recovery process and helps them understand which recovery steps should be taken upon learning their…
As a Founding Member of WORKUP, Willmar’s new coworking and meeting space, we’d like to invite you to one of our upcoming open house events. Join us for tours of WORKUP’s newly remodeled space, which is a stunning, early-1900s cottage overlooking the shores of Willmar Lake on the MinnWest Technology Campus. At our morning event,…
Revitalizing an underutilized downtown building with new owners, new tenants [LYTTON, IA] – Heritage Bank welcomes the City of Lytton to share space in the building at 200 Main Street. Heritage Bank has donated the building to the City of Lytton but will remain as a tenant in the corner location with an east facing…
Internal Audit more valuable than ever to manage the ever-challenging regulatory requirements Business growth has spurred Heritage Bank to hire an Internal Audit Officer to lead the department of auditors. Sean Fogarty has over 15 years of experience in compliance management and accounting, in addition to careers in sales management and business development. As the…
Staff and executives receive a warm welcome from the Chamber and business community. Heritage Bank recently stepped into the Sioux Falls market re-introducing some folks who are familiar faces in the Sioux Falls area. Long-time residents Dave Brown and Dave Eiesland were representing Heritage Bank at the Sioux Falls Chamber of Commerce Ribbon Cutting Ceremony…
Heritage Bank and Heritage Financial Services partnered up as one of the local sponsors of a rural Iowa ag conference held in Storm Lake, Iowa. The Women in Denim conference offers a weekend of information, entertainment and comradery for women in the agriculture industry. Sue Jones, Heritage Bank Vice President, and Jennifer O’Connell, Heritage Financial…
Creating a Secure Password the Easy Way was presented by Steve Gasser of Vivid Image A secure password is one that meets the following guidelines: It must obtain symbols It cannot be found in the dictionary It cannot be found on your Facebook profile (like a child’s or pet’s name) It is at least 11…
Enthusiasm and experience work hand in hand for Jean Marthaler. [WILLMAR, MN] – Heritage Bank N.A. is proud to announce the addition of Jean Marthaler of Sauk Centre to the Business Banking Team as a Business Relationship Manager. Marthaler will focus on building relationships with businesses in central Minnesota. “Jean is introducing Heritage Bank to…
As a valued credit cardmember of Heritage Bank NA, we are excited to announce that you can now use Apple Pay! With a single tap it’s possible to make secure, mobile payments at over 220,000 locations. Apple Pay is a mobile payments technology that allows you to make a purchase with an iPhone® 6, the…
Heritage Bank is a proud recipient of the 2014 Readers’ Choice Award from the West Central Tribune in the category of Bank. On behalf of Heritage Bank, President Wayne Nelson and Retail Banking Manager Kelly Gardner are thrilled to accept this award. As a community bank serving west central Minnesota, our best reward is your…
15 years of experience in lending and banking added to the Heritage Bank Team [SIOUX CITY, IA] – Heritage Bank N.A. is proud to announce that Tammy Tharp has joined the bank as Credit Manager. Tammy will be based in the downtown Sioux City area. As a Credit Manager in Heritage Bank’s unique Team of…
Heritage Bank announces launch of Employee Stock Ownership Program (ESOP) The 150 employees of Heritage Bank will all become employee-owners. On Monday, bank management announced that Heritage Bancshares Group, Inc., the parent company of Heritage Bank N.A., will become an employee-owned company through an Employee Stock Ownership Plan (ESOP). “It is a win-win proposition for…
Please remember that Heritage Bank and MasterCard will never ask for your full social security number over the phone or via unsecured email. If you are unsure or uneasy about any call or email you receive regarding your accounts, debit cards or credit cards, hang up and contact your bank or your the phone number on the back…
With four decades of experience, Dave Luhman is a great asset to Heritage Bank [SIOUX CITY, IA] – Heritage Bank N.A. is proud to announce that David Luhman has joined the bank as Credit Manager. Dave will be based in the downtown Sioux City area. With Heritage Bank’s unique Team of Three sales approach, Luhman…
[WILLMAR, MN] – Heritage Bank, N.A, a multi-state community bank with offices in central Minnesota and northwestern Iowa, announces Ross Magnuson will become Minnesota’s new Market President, succeeding Wayne Nelson. Nelson is retiring in December after 18 years with Heritage Bank. Magnuson is a veteran banker with 31 years in financial services. As a Business…
As a familiar face in the Sioux Falls financial industry, Dave Eiesland joins the Heritage team. [SIOUX CITY, IA] – Heritage Bank, N.A, a multi-state community bank with offices in central Minnesota and northwestern Iowa, has recently stepped into the Sioux Falls, SD, market by bringing in Dave Eiesland as part of the Heritage Bank…
Another monthly security tip from Shazam and ShazamSecure: You’ve probably heard terms such as “bots,”“botnets” and “zombies” in recent news stories about data breaches and other cybersecurity risks. But what exactly are they, how do they work and what damage can they cause? A bot, short for robot, is a type of software application or…
We are excited for the opportunity to provide our customers with a brand new MasterCard debit card to replace their Visa debit card. While the basic usability of the debit cards won’t change, our new MasterCard program will provide our customers with a progressive approach to debit card use. When the new MasterCard debit card arrives, it can be activated at…
Is Malware a Threat to Mobile Devices? The volume of cyberthreats to mobile computing devices continues to increase as new applications (apps) and devices proliferate. McAfee® reports that there were more than two million new mobile malware samples in 2013. Symantec™ reports that nearly 40 percent of mobile device users have experienced mobile cybercrime in…
AS PRINTED IN THE WEST CENTRAL TRIBUNE by David Little on May 19, 2014 WILLMAR – Discussions are taking place to determine if local lending institutions might be used for the first time to finance Willmar’s street improvements rather than using outside lending institutions. The idea of using local banks to finance local projects isn’t…
10 tips to ‘green’ your home and $ave money… brought to you by the American Bankers Association and Heritage Bank. Location, location, location efficiency. Carefully consider the location of your home. If you’re close to work, shopping and entertainment, you may not need a car. Without a car you would save money on gas, car…
Just one of the many ways community banks build more economically sustainable communities. Washington, D.C. (April 10, 2014)—Community banks keep rural America growing by lending to local farmers and ranchers, said the Independent Community Bankers of America® (ICBA) and thousands of its community bank members, including Heritage Bank NA, which are celebrating ICBA Community Banking…
Area foodshelf donations from Heritage Bank doubled this year! More than doubling this year’s cash and food donations, Heritage Bank staff and customers had a very successful employee-inspired food drive at all Heritage branches during the month of March. In just a few short weeks, our twelve branches collected more than 2,500 pounds of food…
Netflix subscribers beware: There’s a scheme floating around the Internet that you should watch out for. If you’re not careful, you could end up about $400 poorer ane with a stolen identity. — by Alyssa Bereznak, Yahoo Tech March 3, 2014 It works like this: A group of scammers purporting to be Netflix tech support…
Simple measures can protect users from loss of device or identity theft — by Victoria Stunt, CBC News March 5, 2014 Smartphones carry an abundance of private information, enough to compromise bank accounts or pave the way for identity theft. Yet smartphones users often have their devices out in the open, risking theft or having the…
As we look ahead toward the cyberthreats facing us this year, some key challenges will result from the advancements in technology that are becoming part of our daily lives. Ranging from the Internet of Things to online currencies, devices and systems have never been more interconnected. Before we adopt these new technologies, we need to…
Phishing and Smishing are methods criminals use to trick you into giving them personal financial information. Typically Phishing uses an email message to gather information while Smishing uses an SMS text message to your phone. Either way, please take a minute to familiarize yourself and protect your computer from this potential crime. The criminals are after details like…
Criminals have their eye on your financial accounts. They want access. Call it a takeover attempt – a HOSTILE takeover. Account takeovers happen when the wrong people dig up enough of the right private information about you to gain access to your checking or savings accounts. ?? Then they strike – either moving big chunks…
Bob Mathiasen recently passed the exam to earn the prestigious RMA Credit Risk Certified (RMA-CRC) designation from The Risk Management Association. Willmar, MN — Heritage Bank NA announced today that Bob Mathiasen, Chief Credit Officer, has earned the prestigious credit risk certified (RMA-CRC) designation from The Risk Management Association (RMA). Credit risk professionals with at least…
Heritage Bank is aware of the debit and credit card breach within Target Corporation and we will continue to monitor the situation. If Heritage Bank receives notification from Visa that your card information was included in the breach, we will make contact with you. Please make sure that Heritage Bank has your most updated address…
Senior citizens are embracing the digital age in greater numbers every year. Fifty-three percent of adults ages 65 and older now use the Internet and online tools such as email, according to the Pew Internet & American Life Project. Among those Internet users, 70 percent report going online daily. Not surprisingly, the Internet offers many…
Area foodshelves receive donations from Heritage Bank locations Staff and customers participated in an employee-inspired food drive at all Heritage Bank locations during the month of March. Heritage Bank tallied more than 2,100 pounds of food and nearly $3,000 in just a few short weeks. The food and cash donations collected in each community were donated…
Shazam and Shazam Secure offer this monthly security tip for tax season: It is tax season and criminals are seizing the opportunity for scams. Do not become the next victim! Scammers leverage every means at their disposal to separate you from your money, your identity, or anything else of value they can get. They may…
Monthly security tips from Shazam Brought to you by the Multi-State Infomation Sharing & Analysis CenterTM, a division of Center for Internet Security. What is Cyber Crime? Cyber crime is a term that covers a broad scope of criminal activity using a computer. Some common examples of cyber crime include identity theft, financial fraud, website defacements,…
Heritage Bancshares Group Inc., parent company of Heritage Bank, is proud to welcome Darrel L. Posegate as the Chief Financial Officer and Chief Operations Officer. Darrel Posegate is a corporate level financial service executive. He comes to Heritage Bank with 33 years of experience in the financial sector including nearly 30 years in senior level…
The eCentive Account at Heritage Bank received an independent review by blogger Ken Tumin of DepositAccounts.com. Updated Review of Heritage Bank’s Reward Checking Account Jun 27, 2012 – 9:02 AM by Ken Tumin It has been almost 3 years since I first reported on the reward checking account at Heritage Bank, N.A.. It’s now called…
Heritage Bank felt it was important to pass on this good advice from Shazam. If you have any questions, please feel free to contact our Customer Service Representatives for assistance. The term “social engineering” refers to an attempt to gain access to information, primarily through misrepresentation, and often relies on the trusting nature of most individuals. Most…
Shazam Debit Card holders should ignore a Twitter broadcast with #shazamdebitcard as it is a phishing attack aimed at collecting personal information. We have been made aware of a phishing attack on SHAZAM customers being broadcast through the Twitter hashtag #shazamdebitcard. This attack has led to the creation of several fraudulent “Shazam Debit Card” Internet sites. The sites claim…
“Minding Your Own Business: Banking Tips for Small Companies” Small Business Owners Get Banking Advice From FDIC Posted on February 29th, 2012 “Minding Your Own Business: Banking Tips for Small Companies” is a collection of articles for entrepreneurs on small business loans and other financial and banking topics in the Winter 2011/2012 FDIC Consumer News.…
Heritage receives millions in federal funding aimed at increasing jobs with small business loans. Heritage Bancshares Group Inc., the parent company of Heritage Bank NA, received $11 million on Thursday, Sept. 22, through the Small Business Lending Fund (SBLF) of the U.S. Department of the Treasury. This will provide up to $110 million additional loans…
The Electronic Payments Association has received reports of fraudulent emails Further to previous notices, NACHA – The Electronic Payments Association has received reports that individuals and/or companies continue to receive fraudulent emails that have the appearance of having been sent from NACHA. These emails vary in content and appear to be transmitted from email addresses…
Sign up for direct deposit of your Social Security or SSI payments today! Still getting your Social Security, SSI or VA check in the mail? Join the majority of Americans who use direct deposit — the safer, easier, more convenient way to get your money. You have more control with direct deposit. Your money goes…
