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Deposit Products

Find Out Why Rob Braun Banks Here

 

Here. For Neighbors Like You.

Cincinnati and Northern Kentucky is a place that’s better because so many people raised here stay here and so many others choose to call it home. We want to be the hometown bank you rely on for simple and safe everyday banking, and the people you turn to when you need an experienced, expert banker.

Checking Accounts

Free with All Accounts

  • Free eStatement(s)

Sign Up Today

  • Free Online Banking
  • Free Mobile Banking*
  • Free Online Bill Pay

Features for All Accounts

  • $50 Minimum Deposit To Open
  • UNLIMITED Check Writing
  • Monthly Statement With Images
  • Debit Card
  • Heritage Advantage Line**

Your Choice of Checking.

Comparison Chart Table
PRODUCT DETAILSHERITAGE FREEDOM

HERITAGE NOW 50

HERITAGE NOW

Monthly Maintenance Fee

No monthly maintenance fee.

$4.00 per month. See Minimum Balance Requirements below.

$9.00 per month. See Minimum Balance Requirements below.

Minimum Balance Requirement

No minimum balance required.

Monthly maintenance fee is waived if a daily minimum balance of $1,000 is maintained in the account, or if you maintain a combined daily minimum balance of $2,000 in any Heritage Bank checking, savings, money market accounts and/or CDs.

Monthly maintenance fee is waived if a daily minimum balance of $1,000 is maintained in the account, or if you maintain a combined daily minimum balance of $2,000 in any Heritage Bank checking, savings, money market accounts and/or CDs.

Interest Bearing

N/A

Interest rates are subject to change and tiered according to balance.

Interest rates are subject to change and tiered according to balance.

Other Benefits

Heritage FREEDOM account holders enjoy the same access to online banking and mobile app services as Heritage NOW 50 and Heritage NOW account holders.

Customers age 50 and older enjoy additional benefits on CDs,  as well as free money orders and cashier checks.

Heritage NOW account holders enjoy the same access to online banking and mobile app services as Heritage FREEDOM and Heritage NOW 50.

*Carrier message and data charges may apply. **The Heritage Advantage Line (HAL) is an automated phone system, available 24/7, for customers to check balances, transfer funds, and complete their basic banking. Other product- specific fees may apply to some accounts. Contact a Heritage Banker for a pricing disclosure specific to your desired product.

Order Checks Rates Product Disclosures

Savings Accounts

Comparison Chart Table
PRODUCT DETAILS

STATEMENT SAVINGS ACCOUNT

MINOR SAVINGS ACCOUNT

CHRISTMAS CLUB ACCOUNT

Description

Interest earning deposit account.

Interest earning account for children under age 18.

Short-term savings account.

Interest

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

Interest is compounded daily and credited quarterly on the last business day of the quarter.

N/A

Minimum Deposit

$50 minimum to open account.

$50 minimum to open account. 

No minimum balance to open. 

Withdrawals

Up to nine (9) withdrawals per quarter without charge. Withdrawals in excess of 9 per quarter are charged $1.00 each.

 

Up to nine (9) withdrawals per quarter without charge. Withdrawals in excess of 9 per quarter are charged $1.00 each.

 

Early withdrawals from this account are not permitted.

Account automatically closes in mid-October.

Check can be mailed or deposited into an account.

Rates Product Disclosures

Wealth Management

ClickSWITCH

Switch Banks and Still Be On Time For Dinner.

Set up your direct deposits in minutes. Reset recurring payments in a few clicks.

Learn more

Money Market Accounts

May pay a higher interest rate than other savings accounts.

  • $50 minimum deposit to open account.
  • Interest compounded daily and credited monthly.
  • Interest rate tiered according to balance and subject to change.
  • Interest paid on the daily balance.

Rates Product Disclosures

CDs & IRAs*

Certificates of Deposit (CDs)

  • Minimum deposit required to open account varies based on term of CD.
  • Interest compounded daily.
  • Penalty for early withdrawal.
  • Time Deposits with a fixed interest rate for a specified period.

Rates

 

Traditional IRA

Contributions may qualify as tax deductions in that tax year. Contributions and earnings are tax-deferred until the funds are withdrawn. A customer must have an earned income to contribute to the IRA. Mandatory distributions begin at age 72.

Roth IRA

Contributions to a Roth IRA are not tax deductible. The earnings grow tax-free. A customer must have an earned income to contribute. There are no mandatory distributions.

 

Simplified Employee Pension (SEP) IRA

A retirement plan that an employer or self-employed individual can establish. An employer is allowed a tax deduction for contributions made to a SEP Plan.


Coverdell IRA

A Custodial Education Savings Account that is tax-deferred. It assists families in funding education expenses

*Customers are encouraged to speak with a banker or financial advisor before selecting an IRA or withdrawing IRA funds.

Health Savings Accounts (HSAs)

A health savings account (HSA) is a tax-advantaged medical savings account available to U.S. taxpayers enrolled in a high-deductible health plan. Funds contributed towards HSAs are not subject to federal income tax at the time of deposit, but can only be applied toward eligible healthcare expenses, including deductibles, co-pays, dental, vision and other qualified medical expenses incurred by the account holder, a spouse or dependents.*

Unspent HSA funds roll over year to year. Interest is compounded daily and credited monthly. Checks and debit cards available. A $3.00 monthly maintenance fee will be charged if the daily balance falls below $2,500 at any time during the monthly statement cycle.

HSA Card lost or stolen? Call 1-844-853-0195

*Customers are encouraged to review the definition of a qualified healthcare expense at www.IRS.gov.

Debit Cards

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. Monitor or block types of transactions and merchants. Restrict transactions to a geographic area.

Heritage Bank Debit Mastercard® Guide to Benefits Report lost or stolen card

 

Open New Accounts

Contact any branch for details on opening an account or to walk through your options.

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