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Bank Accounts for Kentucky & Ohio Businesses


Here. For Entrepreneurs & Small Business Owners. 

Our founders were successful entrepreneurs, and it is our mission to ensure small businesses in our region thrive. Like you, we’re nimble and responsive. We also believe in the power of relationships. Because our bankers know you and understand why your business is unique, we’re able to recommend the products you need.

Heritage Bank offers insurance for deposits above $250,000.

Learn more .

Heritage Bank Routing Number: 042102160


Business Checking Accounts


Standard Business Checking

Designed for businesses with low to moderate activity levels and limited treasury management needs.


Custom Checking Solutions

Designed for businesses with higher activity levels, greater treasury management needs and complex business operations.

 All business checking accounts include access to digital banking, night deposit, and access to one of the nation’s top ATM networks as well as 100s of local locations. 

Other product-specific fees may apply to some accounts. Contact a Heritage Banker for a pricing disclosure specific to your desired product.

Comparison Chart Table


Checking Account


Checking Account


Checking Account

Balance Needed to Waive Monthly Service Fee




Monthly Service Fee




Number of Included Transactions

 250 500  750 
Transaction Overage Fee*  Each item over 250
will be processed
for $0.30 per item
Each item over 500
will be processed
for $0.50 per item 
 Each item over 750
will be processed
for $0.50 per item
Interest Bearing  - Yes   -
Positive Pay Included  - Yes 
ACH Origination Included - -


(Overage Fee: $1.50/Item)

Business Mobile Deposit Yes Yes Yes
Incoming Wires Included - -

2 Incoming

(Standard price after 2 received)

Business Credit Card


(Pending credit review
and approval)


(Pending credit review
and approval)


(Pending credit review
and approval)
**Starting April 3, 2024,
special offers for qualified customers.

Business Debit Mastercard®




*Items considered for this fee include checks paid, deposit tickets, checks deposited, ACH credits and debits received, and ATM/Debit card credits and debits.

**Available to business customers interested in a business credit card they do not already have through Heritage Bank, pending credit review and approval. Must run application through a Heritage Banker rather than completing an online application.

Business Checking Analysis Account

Designed for businesses with higher activity levels.

Earnings Credit

We apply an earnings credit to reduce or eliminate fees on the account. You will not be paid or receive credit for excess earnings credit.


A monthly maintenance fee of $15.00 is charged each statement cycle. In addition to the monthly maintenance fee, monthly fees may be assessed for services such as checks paid, deposits made, deposited items, ACH items received, ACH items originated, and other services offered through Treasury Management. Other product specific fees may apply to some accounts. Contact a Heritage Banker for a pricing disclosure specific to your desired product.

Product Disclosures

Savings Accounts

  • $100 minimum balance to earn interest.
  • Interest is compounded daily and credited quarterly on the last business day of the quarter.

Product Disclosures

Business Money Market Account

If your business doesn’t require daily access to excess cash, consider our Business Money Market Account. You’ll earn a higher rate of interest and retain access to the cash.
  • Interest paid on daily collected balance.
  • Interest rates are subject to change and tiered according to the balance.
  • Interest compounded daily.
  • Interest credited monthly.

Product Disclosures


Certificates of Deposit (CDs)

  • Minimum deposit required to open account varies based on term of CD.
  • Interest compounded daily.
  • Penalty for early withdrawal.


Product Disclosures

Learn more about CD specials


Business Debit Card

Make purchases wherever Mastercard® is accepted. Your checking account is automatically charged and purchases are recorded on your bank statement.

Get cash when you need it at any of the tens of thousands surcharge-free ATMs affiliated with Heritage Bank or Allpoint locations. Designate the account for withdrawals and check your balance wherever you travel.

Use CardGuard® to turn your card off and on from a mobile device. Set spend limits for employees using the card. Monitor or block types of transactions and merchants. Restrict transactions to a geographic area. Receive real-time alerts for debit card transactions to quickly detect unauthorized activity.

Heritage Bank Business Debit Mastercard® Guide to Benefits

Product Disclosures



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