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Universal Savings

Our Universal Savings Account allows you easy access to your money without penalty. It’s the perfect place to set aside money for those unexpected expenses or for a short term goal, and the perfect way for children to start saving.

Account FeaturesHeritage Bank Savings Account

  • $50 minimum deposit to open account
  • Interest paid on balances of $.01 or more
  • Average daily balance of $50 required to avoid $5 monthly service charge, fee waived for minors under age 18
  • Six free withdrawals allowed per month, $3 for each additional withdrawal

Additional Features and Requirements

  • Variable interest rate may change daily; Interest calculation is based on daily (collected) available balances and is compounded quarterly
  • Free eStatements
  • Free debit card available
  • Overdrafts & NSF: $33 per item
  • $30 fee if account is closed within 6 months of opening
  • Transfer money electronically to or from your account…anytime, online

Check your Interest Rates


Make informed decisions about your savings and checking accounts. Click here for more
up to date rate information!



Learn more about the benefits
of FDIC Insurance coverage
for your checking, savings,
and certificates of deposits.



Digital Banking provides a secure and convenient way to manage your finances. Click here to get started with Digital Banking.