Heritage Bank NA High Yield Personal Checking & Savings Accounts Earn Up To 3.02% APY (Nationwide)

Heritage Bank NA, Member FDIC, is offering competitive rates on their personal checking and savings accounts. See the current rates below.

• Heritage Bank is focused on helping people succeed financially.
• Their mission is to see every customer as an individual and treat customers’ businesses as their own.
• They offer high interest and APY rates.
• With Heritage Bank, your money works harder and you get banking with a personal touch.

READ MORE: SEE THE NATION’S BEST CD RATES HERE

• UPDATE 1/19/2024: The rates remain the same.

Heritage Bank NA Personal Deposit Accounts

eCentive Checking Account High Yield Checking Account: Up To 2.02% APY

Make your money work harder with their highest interest yielding checking account. eCentive Checking account by Heritage Bank NA, rated 1 on Bankrate.com for Best Overall Checking Account, is the best checking account for those that want to earn a high interest rate from a versatile checking account.

• Up to 2.02% APY¹:
  • 2.02% APY for qualified balances $0.01 – $100,000
  • 0.14% APY for qualified balances greater than $100,000
  • 0.05% APY Base Interest Rate (non-qualifying)
• To qualify** for the APY, you must:
  • Have total monthly debit card purchases posted to your account equaling a minimum of $500*
  • Have at least one direct deposit or automatic payment (ACH) each month
  • Enroll and receive monthly eStatements
• No minimum balance
• $100 minimum to open account
• No monthly fee ($4 per month if not enrolled in electronic statements)

Disclaimers:

*Please note that ATM transactions do not count toward the debit card purchase requirement. 

**When the eCentive® Account qualifications are met, balances up to $100,000 will earn that qualification rate for the entire statement cycle. Balances of $100,000.01 and above will receive that qualification rate for the entire month. If applicable, sales tax will be applied to service charges for accounts opened in Iowa.

¹APY = Annual Percentage Yield. Fees may reduce earnings. Interest rate is variable and may change after the checking account is opened. Interest Rates Effective Since June 18, 2023.

READ MORE: GET TOP OFFERS FROM CHASE, AXOS, AND BMO.

Jumbo Deposit Savings Account: Up To 3.02% APY

The Jumbo Deposit Account is an interest-bearing personal account with flexible options to ensure deposits up to $7 million can be fully FDIC insured. This is an all-electronic account that must be managed online.

• Up to 3.02% APY¹:
  • 3.02% APY with $230,000 minimum balance
  • 2.04% APY with $100,000 minimum balance
  • 1.01% APY with $0.01 minimum balance
• Minimum Opening Deposit: $1,000.00
• Minimum Balance: $0.01
• Interest: Compounded and credited monthly

Disclaimer:

¹APY = Annual Percentage Yield. Fees may reduce earnings. Interest rate is variable and may change after the account is opened. Interest Rates Effective Since June 18, 2023.

Bottom Line

Looking for a bank that’ll make your money work harder?

Check out these accounts from Heritage Bank NA. They’ve got competitive rates on their checking and savings accounts. With high interest and APY rates, you’ll see your savings grow.

Their eCentive Checking Account is rated #1 on Bankrate.com for a reason—it’s versatile and earns up to 2.02% APY. No minimum balance required, just a $100 opening deposit. No monthly fees if you go for electronic statements, so be sure to opt for that.

They also the Jumbo Deposit Account for big savers, with rates up to 3.02% APY. Minimum opening deposit of $1,000.

So, whether you’re starting small or have a chunk to save, Heritage Bank has you covered.

READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.