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Business Deposit Products

 

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.

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.

Fees

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.

Foundation Small Business Checking Account

An option businesses and organizations with less activity.

  • No monthly account maintenance fee.
  • Free online banking and BillPay.
  • Night Deposit at every branch.
  • Business Debit Mastercard®.
  • No minimum balance requirement.
  • 250 items processed at no charge.*
  • All items over the 250 threshold will be processed at a per item cost.*

Legacy Small Business Interest Bearing Checking Account

A good choice for businesses and organizations with limited transactions.

  • Interest calculated on daily collected balance of $10,000 or more.
  • Interest credited monthly.
  • 500 items processed at no charge.*
  • All items over the 500 threshold will be processed at a per item cost.*
  • $15 monthly fee if $10,000 average daily collected balance is not met.
  • Free online banking and BillPay.
  • Night Deposit at all branches.
  • Business Debit Mastercard®
  • eStatement available.

Product Disclosures

*Items considered for this fee include checks paid, deposit tickets, checks deposited, ACH credits and debits received, and ATM/Debit card credits and debits. Other product specific fees may apply to some accounts. Contact a Heritage Banker for a pricing disclosure specific to your desired product.

Savings Accounts

  • $50 minimum deposit to open account.
  • $100 minimum balance to earn interest.
  • Interest is compounded daily and credited quarterly on the last business day of the quarter.
  • Up to nine (9) withdrawals per quarter without charge. Charges are $1.00 per withdrawal when you exceed 9 withdrawals per 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.

Rates

Product Disclosures

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 55,000+ surcharge-free ATMs affiliated with Heritage Bank or Allpoint locations across our region and around the world. 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

Learn more about our Business Credit Cards

Need Help?

Contact your Heritage Banker with any questions.

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