Deposit Products | Heritage Bank

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Deposit Products

Learn more about our CD & Money Market Offers

 

Here. For Neighbors Like You.

Cincinnati and Northern Kentucky is a region 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

 Saving Accounts 

Money Market Account 

CDs & IRAs
Heritage Bank Routing Number: 042102160

Ready to open an account today?
Visit any of our branches during business hours. Debit cards are generally available at the time of account opening. 

Prefer to open an account online? Start Here.
Please allow up to 2 business days for your account to be active. If you chose to have a debit card, it will be sent to you by mail.  Self service online account openings are restricted to checking and savings accounts at this time.

Current and new customers can also open CD specials online.

Checking Accounts

 

 

 

Features for All Accounts 

 

 

 

• Digital Banking
  • Sign up for online banking on the bank’s home page. Check your balances and transfer money from one account to another. Send money digitally to people you know with greater security. Sign up for SecureAlerts, a tool for monitoring activity on your deposit accounts. Pay bills online. Track your complete financial picture from one portal.
  • Download the mobile app so everyday banking is always a few taps away. In addition to mobile deposit, quick access to account balances and the ability to transfer dollars from one account to another, track your spending and saving. Monitor debit card transactions in real time. Report suspected fraud or alert the bank of your travel plans in a few taps.                                                                                                                                                                                               

Carrier messages and data charges may apply when using digital banking services.
• Monthly Statements
  • Sign up for eStatements – the safe, easy-to-access way to review your account activity.
  • Paper and electronic statements include check/transaction images.
• Debit Card
  • Receive your debit card the same day you open an account in person.
  • If you open your debit card online, you will receive a card by mail.

• Heritage Automated Line

(859) 334-4039

  • Use the Heritage Automated Line (HAL) to access to your account information 24 hours a day, seven days a week.
  • Check balances.
  • Transfer funds between accounts.
  • Verify checks, deposits and loan payments.                                                                                                                                      

*Carrier messages 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.

Ready for a Checking Account Without All The Checks? Learn more about Heritage Checkless Checking Streamlined For Today's Customers

Comparison Chart Table
PRODUCT DETAILSHERITAGE CHECKLESS CHECKING HERITAGE FREEDOM
HERITAGE NOW 50*
HERITAGE NOW
 Check Writing  None- Must use debit card or cash withdrawals for purchases.  Unlimited  Unlimited  Unlimited 

Monthly Maintenance Fee

$3.00 per month.

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.

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

Non interest bearing 

Non interest bearing 

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

Interest rates are subject to change and tiered according to balance.
 * Customers must be 50 years or older to qualify for the Heritage Now 50 account which includes free money orders and  cashier checks as well as CD benefits. 

Carrier message and data charges may apply when using digital banking services. Other product- specific fees may apply to some accounts. Contact a Heritage Banker for a pricing disclosure specific to your desired product.

Order Checks**   **Personal checks are not available for the Checkless Checking product.

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

Withdrawals

N/A 

 

N/A

 

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

  • 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

Money Market Special

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

CD SPECIALS

Customers can open a CD special through their online banking account – nothing could be faster or simpler. Customers new to Heritage Bank can also open a CD special online. Get started here.

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

Explore New Credit Card Options 

Learn more about credit cards

Subject to credit approval. Ask for details.
 

Sign Up for eStatements in 3 Minutes or Less

Switch to electronic statements for your deposits and loans today. You’ll get an email notice when new statements are ready to review. Simpler, safer and more predictable than paper statements sent by mail 

Get Started

 

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