Welcome to Heritage Bank in Independence, Kentucky

2040 Declaration Drive, Independence, KY 41051

(859) 363-4830

Lobby Hours:
Monday to Friday: 9:00 a.m. - 5:00 p.m. | Saturday: 9:00 a.m. - Noon

Drive-Thru:
Monday to Friday: 9:00 a.m. - 5:30 p.m. | Saturday: 9:00 a.m. - Noon

Services:
ATM and Night Deposit

Independence

Located on Declaration Drive near Memorial Park, our Independence team proudly serves Independence, Taylor Mill, Ryland Heights and surrounding Northern Kentucky communities. Known for its growing neighborhoods, active business community and strong civic involvement, Independence is a place where families, entrepreneurs and local organizations continue to thrive. Through our involvement with local chambers, business councils and community organizations, we're proud to help support the people and businesses that make our community stronger. 

Locally Owned & Operated

We know this region and can flex to get things done.

Personalized Banking & Digital Tools

You deserve convenience and human-centered service.

Loved By Customers

More than 8 out of 10 consumer customers would recommend us.*

Almost 4/5 business customers recommend us with enthusiasm**

Explore Personal and Business Banking Solutions

Personal Banking

Whether you’re getting started or ready to take your next financial step, we have the tools and people to help you along the way.

Checking Savings
Business Banking

As a locally owned bank specializing in small business banking, we're equipped to help your business.

Loans Treasury Management
Borrowing Solutions

Find financing that fits your needs.

Personal Loans Mortgage and Refinancing
Convenient Banking

Bank how you want, online, in person or on the go.

Bank Online Find an ATM

That's How We Bank Meet the Independence Team

6 Katie Norman-1

Katie Norman
Independence Branch Manager
p:  (859) 363-4830 

Ian Addington Headshot

Ian Addington
VP, Commercial Lending
p:  (859) 493-4593

Home upgrades. Unexpected expenses. Big plans.

Make it happen with our Home Equity Line of Credit (HELOC). Only pay interest on what you use with a trusted local lending team, right here in your community.

See How a HELOC Can Help You
HELOC

Spotlighting Bill Aseere

Heritage Bank Features Franchisee for Donatos, Whit’s Frozen Custard and Guthrie’s Golden Fried Chicken on Podcast

Bill Aseere is a homegrown franchise success story. In addition to a personal passion for products sold at the store he owns and operates, he believes in the power of community partnerships, the logic of local, and the importance of getting your hands into day-to-day operations even when you’ve grown large enough to step back. Find out how the force between the Donatos you enjoy at a Bengals, Cyclones game or the location in your neighborhood learned the ropes of franchising so well he now coaches other would-be franchisees.

Listen Now
How You Make It Website Tile (2)

Our Customers Endorse Us

"Great service and good products."


- Susan T.

Independence Branch Customer

"Heritage Bank made it easy for me to open a new account. I felt my business was valued and appreciated."


- Sherry G.

Independence Business Customer

"I really like the service and appreciate the help I received."


- Carol K.

Independence Branch Customer

Frequently Asked Questions

Where is the Heritage Bank Independence branch located?

Our Independence branch is conveniently located at 2040 Declaration Drive, Independence, KY 41051, near Memorial Park. We proudly provide personalized banking services for individuals, families, and businesses throughout Northern Kentucky. 

What areas does the Independence branch serve?

 We proudly serve customers throughout Independence, Taylor Mill, Ryland Heights and surrounding Northern Kentucky communities with relationship-focused banking and local decision-making. 

What personal banking services are available at the Independence branch?

 Our Independence team can help with checking accounts, savings accounts, CDs, lending solutions and everyday banking services designed to support your financial goals.  

Does the Independence branch offer business banking services?

Yes. We specialize in small to mid-size business banking, and provide business banking solutions, commercial lending, treasury management services, and personalized support from experienced local bankers. 

Can I speak with a local banker about lending options?

Absolutely. Whether you are purchasing a home, shopping for credit cards or exploring personal loans, our team is available to discuss solutions right for your situation.

What treasury management services does Heritage Bank offer?

Our robust treasury management services help small to mid-sized businesses manage cashflow, get paid faster, manage payments more efficiently, fight fraud and move cash safely. Our fees are competitive, our technology up-to-date and the service is unmatched.

How is Heritage Bank involved in the Independence community?

You can see Heritage Bank employees at community fairs and festivals, parades and school events. We're also active in local business organizations and generous with locally-based nonprofits.

Does Heritage Bank offer online and mobile banking?

Yes. Heritage Bank offers secure online and mobile banking tools that allow you to pay bills, transfer funds, deposit checks, manage your cards and access your accounts anytime, anywhere.

*Based on surveys conducted between May 2025 to May 2026 with retail customers who recently opened an account or closed a consumer loan. Promoters rated Heritage Bank a 9 or 10 out of 10 on likelihood to recommend. Heritage Bank’s post-event ratings during this period reflects exceptional customer experience at acquisition and milestone moments, substantially better than industry averages for similar transactional surveys.

**A regular survey asks business customers who have recently opened an account or closed a loan to rate their propensity to recommend us on a 10-point scale. Ratings of 9 or 10 indicate an avid brand promoter. Heritage Bank's post-event NPS of 79.9 (May 2025 to May 2026) reflects exceptional customer experience at acquisition and milestone moments, substantially better than industry averages for similar transactional surveys.