Welcome to Heritage Bank in Montgomery, Ohio

Locally owned and operated: We know this region and can flex to get things done.

Personalized banking and 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**

Located on Montgomery Road, our team proudly serves Montgomery and the surrounding communities with relationship-focused banking and local decision-making. Known for its historic charm, strong local businesses, and exceptional quality of life, Montgomery is home to families and professionals who value thoughtful financial partnerships. From supporting local businesses to sponsoring the Montgomery Farmers’ Market, we’re committed to the people and organizations that make this community thrive.

Montgomery 2026 Branch Exterior

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 Montgomery Team

Joshua Stevens

Josh Stevens
Montgomery Branch Manager
p:  (513) 538-6320 

Ken Kramp

Ken Kramp
SVP, Commercial Lending
p: (513) 538-6331

Benjamin Johnson

Benjamin Johnson
VP, Commercial Lending
p:  (513) 538-6333

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
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Spotlighting Graf Manufacturing

Heritage Bank Features Cammy Dierking and John Graf on Podcast

You know Cammy Dierking as a consummate broadcast journalist and popular local anchor. If you’re in the commercial construction industry, you might have met her husband, John Graf. But did you know they are the owners of a successful manufacturing operation in Loveland, Ohio? Listen to the story of two cautious people who took a leap of faith that has transformed how they imagined their “golden years” and shown them how to transfer skills from their former lives while building new competencies.

Listen Now
How You Make It Website Tile-1
Proud Sponsor of the Montgomery Farmers Market

Proud longtime lead sponsor of the Montgomery Farmers’ Market and the community connections it helps create. 

Montomery Farmers Market-1

Our Customers Endorse Us

"Friendly staff and very professional."


-Karina R.

Montgomery Branch Customer

"Ken is awesome to work with, and he made everything easy. I really appreciate his quick responses."


- Kathrine H.
Montgomery Business Customer

"Good CD rates. Welcoming and knowledgeable staff."


- Fred R.

Montgomery Branch Customer

Frequently Asked Questions

Where is the Montgomery branch located?

Our Montgomery branch is located at 9749 Montgomery Rd, Cincinnati, OH 45242. 

What areas does the Montgomery branch serve?

In addition to Montgomery, we proudly serve nearby communities including Blue Ash, Madeira, Indian Hill, Symmes Township, and surrounding areas. 

What personal banking services are available at the Montgomery branch?

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

Does the Montgomery branch offer business banking services?

Yes. We work with local businesses throughout Montgomery and surrounding communities to provide business banking solutions, including loans and treasury management services. 

Can I speak with a banker about lending options?

Absolutely. Whether you're exploring personal lending solutions or financing for your business, our team is available to discuss options and help guide you through the process. 

What treasury management services does Heritage Bank offer?

Heritage Bank offers the kinds of treasury management services most businesses expect from much larger banks. Our solutions for managing cash flow, safeguarding your cash, protecting you from fraud and facilitating payments (from your business and to your business) were designed for small businesses rather than retrofitted from enterprise solutions. Best of all, you can depend on a level of service large banks struggle to match.

Why choose a local community bank?

Consumers: Consumers work with bankers who actually know you, rely on local decision-making on loans rather than rigid algorithms, and your deposits get reinvested in your own community instead of pooled nationally. The right community bank offers the digital convenience you expect alongside the service and support only a human can deliver.

Small Businesses: Community banks excel at the kind of lending big banks struggle with — loans that require judgment, not just a credit score. Local loan officers have real authority to approve credit and can weigh context a national underwriter would miss: your reputation, your customer base, your industry's local realities. You get faster decisions, a banker who actually understands your business, and a relationship that pays off most in the moments  when having someone who knows you genuinely changes the outcome.

Does Heritage Bank offer up-to-date online and mobile banking?

Yes! Our digital banking experience is built on one of the nation's top platforms, so whether you are banking from your laptop, tablet or smartphone - we make it easy to check balances, move money, monitor all your accounts and payments, set up alerts and so much more. Even our ATM network rivals the largest banks in greater Cincinnati.

*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.