Get a $750 Welcome Deposit for eligible new customers who open an 
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Established in 1964 and headquartered in Spicer, Minnesota, Heritage Bank only has 14 locations across Iowa, Minnesota and South Dakota.
While their footprint with physical branches is limited, they do offer accounts available online, nationwide. Their online Checking and Savings rates are often much better than most traditional banking institutions.
That being said, there are many other account options available with better rates. Find the best Savings rates here and the best CD rates here.
We’ll review the current offers below.
Heritage Bank Jumbo Deposit Account (Savings) Rate Offer
Heritage Bank offers some decently good rates for their Savings Account, but the minimum deposit required to earn the highest rates will be a hefty sum.
- Minimum opening deposit is $1,000
- Interest compounds monthly
- Rate tiers:
| Balance | APY |
| Up to $99,999.99 | 0.10% |
| $100,000 to $229,999.99 | 1.51% |
| $230,000 | 1.61% |
Tops rates can be had from banks such as CIT Bank and HSBC Direct. See all the best Savings rates here. *Also, take a look at the Savings Account bonuses here, including a great offer from Chase Bank.
- CIT Bank Promotions: Online Money Market Account 1.85% APY Offer
- BBVA Compass Bank Promotions: $150, $200, $250 Checking/Savings Bonuses
- Chase Coupon Promo Codes: $200, $300, $350, $500 – September 2018
- Ally Bank Online Checking, Savings, CD, Investing Promotions
- Synchrony Bank Online Savings, CD, Money Market Promotions
- Online HSBC Direct Savings Rate Offer: 2.01% APY (Available Nationwide)
- Popular Direct Online Savings And CD Account Promotions
- Marcus By Goldman Sachs Online Savings & CD Offers, Promotions
- Barclays Bank Promotions: Savings And CD Account Offers, Bonuses
- Salem Five Bank Checking, Savings, CD Promotions
| Featured Promotions | ||
|---|---|---|
| Chase Total Checking® + Savings℠ | Chase Premier Plus Checking℠ | Chase Total Business Checking® |
 |  |  |
| $350 Bonus | $300 Bonus | $200 Bonus |
| Review | Review | Review |
| Chase College Checking℠ | HSBC Premier Checking | HSBC Advance Checking |
 |  | |
| $100 Bonus | $750 Bonus. Member FDIC | $350 Bonus. Member FDIC |
| Review | Review | Review |
Heritage Bank Online eCentive Account Rate Offer
Heritage Bank offers the eCentive Account, which is a Checking and debit card account with premium interest rates when qualifications are met. What are these qualifications? You must meet the following 3 qualifications monthly:
- Make 10 or more debit card payments and/or purchases that will post to your account each month (excluding ATM transactions)
- Have at least one direct deposit or automatic payment (ACH) each month
- Receive a monthly eStatement
If you meet the above criteria each month, you’ll receive these benefits:
- You’ll earn their highest yielding Checking interest rate on balances up to $25,000.
- You’ll receive automatic refunds up to $25 per month for domestic ATM fees charged by other ATM owners and MasterCard cross border/currency conversion fees for debit card foreign transactions.
Rates When Monthly Qualifications Are Met
| Qualifying balances up to $25,000 | 3.33% APY |
| Qualifying balances over $25,000 | 0.15% APY |
| Base Interest Rate (non-qualifying) | 0.05% APY |
Account Features
- No minimum balance
- $100 minimum to open account.
- No monthly service charge
- Monthly eStatements required; Must have valid email address to enroll
($4 per month if you fail to enroll and paper statements are sent to you through U.S. Mail ) - $30 fee if account is closed within 6 months of opening
- Free Online Banking, ePay online bill pay, Mobile Banking and more!
We keep all the best bank promotions updated here. If you’re new to bank account sign-up bonuses, Chase Bank, TD Bank, CIT Bank and HSBC Bank have some good offers to start with.
- CIT Bank Promotions: Online Money Market Account 1.85% APY Offer
- TD Bank Promotions: $300 & $150 Checking Account Bonuses
- BBVA Compass Bank Promotions: $150, $200, $250 Checking/Savings Bonuses
- Chase Student Checking Promotions: $100 Chase College Checking℠ Bonus
- Chase Bank Business Checking Promotion: $200 Sign-Up Cash Bonus
- Chase Total Checking Account Bonus: $200 Coupon Available Online
- Chase Coupon Promo Codes: $200, $300, $350, $500 – September 2018
- HSBC Bank $350 & $750 Checking Account Bonuses
- Chase Premier Plus Checking℠ Bonus: $300 Coupon Offer
- Simple Bank Review & Bonus Offer: Unlimited $20 Referrals
*These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.