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Heritage Bank eCentive Checking Account

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APYUp to 2.02% Image
Min. Deposit $100 Image

Last updated on 2022-11-02

Heritage Bank eCentive Checking Account Review

Pros Pros

Decent yields for checking account

Convenient online or physical at branch banking

ATM fees reimbursements

No monthly fee or minimum balance requirements

Cons Cons

Physical branches only in Minnesota, Iowa and South Dakota

Only receive base interest of 0.05% APY if any of conditions not met

Physical presence required at branch to open account

Deposit Details Heritage Bank Checking Account APY

Interest is calculated by using a daily periodic rate and applied to the principal in the account daily

Interest will be compounded monthly and credited monthly.

$100 minimum deposit to open an account

No minimum balance

No monthly service charge

Monthly eStatements required; Must have valid email address to enroll (A fee of $4 per month will be charged if you fail to enroll and paper statements are sent to you through mail)

Free online banking, ePay online bill pay, mobile banking

Debit card included (Automatic refunds up to $25 per month for domestic ATM fees charged by other ATM owners and MasterCard cross border/currency conversion fees for debit card foreign transactions)

Primary account-holders are limited to 2 eCentive accounts


Deposit Interest Rates Heritage Bank Checking Account Yield Computation

  Interest Rate
$0.01 to $25,000 2.02% APY
Above $25,000 0.14% APY


Receive up to 2.02% APY every month on the first $25,000 (and 0.14% APY for balances above $25,000) in your eCentive checking account when you

1. Total monthly debit card purchases posted to your account equalling a minimum of $500

2. Have at least one direct deposit or automatic payment (ACH) each month that is initiated by another institution or company (transactions initiated in Heritage Bank online banking DO NOT count)

3. Receive monthly eStatements


When the eCentive Account qualifications are not met, the interest rate and APY on your account balance is 0.05%


Click here to go to Heritage Bank website for more details


About Bank About Heritage Bank

Heritage Bank is a Midwestern community-focused bank with operations in Minnesota, Iowa and South Dakota. Online banking is available via app or website for all customers

Heritage Bank can be contacted via online banking secure messaging, contact form via their website, mail, in person at any of the branches or phone support at 1-800-344-7048

Heritage Bank is a member of FDIC which covers the aggregated deposits of a depositor to up to US$250,000

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Heritage Bank eCentive Checking Account Review

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