Deposit Products

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.

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.  Online account openings are restricted to checking and savings accounts at this time. To open a money market account, health savings account or CD, visit a branch.

Checking Accounts

Your Choice of Checking.

*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

Rates Product Disclosures

Money Market Accounts

May pay a higher interest rate than other savings 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

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 Contributions and earnings are tax-deferred until the funds are withdrawn.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

Explore New Credit Card Options 

Learn more about credit cards

Subject to credit approval. Ask for details.