Personal Savings Accounts

Savings that work for you

No matter what your savings needs are, Heritage Bank has an investment that will meet them. From the simplest savings account to a high-yield money market account to a fixed rate Certificate of Deposit…we’ve got something for you. And when you invest with Heritage Bank, you get the peace of mind knowing that your money is safe and secure.

If you’re saving for retirement, Heritage Bank can help you select the right plan. Traditional IRAs, Roth IRAs, SEP IRAs, Coverdell Education Savings Accounts…we’ve got the expertise to handle your needs.

Curious to see what your investment will be worth in the future? Wondering how much you need to set aside now to fund a future goal? Use this handy calculator to play with all kinds of savings scenarios.

Apply today — it’s quick, secure and easy! Simply share some information with us about what you’re trying to accomplish, and we’ll be happy to recommend the product that will best help you achieve that savings goal. A bank employee will call you back the next business day to discuss our recommendation and answer any questions. Then we’ll have all the paperwork ready and waiting for you sign when you arrive!

Savings Calculator
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Regular Savings

Minimum Balance to Open: $50.00 for adults, $10.00 for minors.

Interest: Yes, as long as a $50.00 balance is maintained.

Check Access: Not available

ATM Fees and Access: Free at all Heritage Bank ATMs; $2.00 at other locations (Owner of ATM surcharges, if any, still apply).

Monthly Service Charge: None

Transaction Charges: Three free withdrawals per month, $1.00 per withdrawal after three (electronic transactions such as debit cards, ATM withdrawals, and ACH debits do not count toward transaction costs).

Internet, Telephone and Mobile Banking with Mobile Deposit:  Free – bank anywhere, anytime.

E-Statements: E-Statements are a free service and will look identical to the paper statement and images you are accustomed to receiving in the mail

Statements and Images: Annual, and monthly if electronic banking has occurred.

Kid’s Club Savings

Minimum Balance to Open: $5.00

Interest: Yes, as long as a $50.00 balance is maintained.

Check Access: Not available

ATM Fees and Access: Not available

Monthly Service Charge: None

Transaction Charges: Three free paper withdrawals per month, $1.00 per withdrawal after three (electronic transactions such as debit cards, ATM withdrawals, and ACH debits do not count toward transaction costs).

Internet, Telephone and Mobile Banking with Mobile Deposit:  Free – bank anywhere, anytime.

E-Statements: E-Statements are a free service and will look identical to the paper statement and images you are accustomed to receiving in the mail

Statements and Images: Annual

Special Features: Available for depositors age 12 and under. Receive a punch for each deposit (limit one punch per day). Redeem filled punch cards for prizes.

Heritage Goal Savings

Minimum Balance to Open: None

Interest: Yes, as long as a $50.00 balance is maintained.

Check Access: Not available

ATM Fees and Access: Not available

Monthly Service Charge: None

Transaction Charges: No withdrawals are allowed before the payout date you’ve chosen unless you are closing the account.

Internet, Telephone and Mobile Banking with Mobile Deposit:  Free – bank anywhere, anytime.

E-Statements: E-Statements are a free service and will look identical to the paper statement and images you are accustomed to receiving in the mail

Statements and Images: Annual

Special Features: Use this account to save for a goal such as Christmas, vacations, or a major purchase. Receive a payout check once a year on either October 31 or May 31.

Money Market Savings

Opening Deposit: $1000

Minimum Balance: $1000

Monthly Service Charges: None, or $10.00 if balance falls below $1000 daily minimum balance.

Interest: Yes, tiered rates

Check Access: Optional

ATM Fees and Access: Free at all Heritage Bank ATMs; $2.00 at other locations (Owner of ATM surcharges, if any, still apply)

Transaction Charges: Six free withdrawals per month, $5.00 per withdrawal after six (electronic transactions such as debit cards, ATM withdrawals, and ACH debits do not count toward transaction costs)

Internet, Telephone and Mobile Banking with Mobile Deposit:  Free – bank anywhere, anytime.

E-Statements: E-Statements are a free service and will look identical to the paper statement and images you are accustomed to receiving in the mail

Statements and Images: Monthly with images returned

IRA Savings

Minimum Balance to Open: $100.00

Interest: Yes, as long as a $50.00 balance is maintained

Check Access: Not Available

ATM Fees and Access: Not Applicable

Transaction Charges: None

Internet, Telephone and Mobile Banking with Mobile Deposit:  Free – bank anywhere, anytime.

E-Statements: E-Statements are a free service and will look identical to the paper statement and images you are accustomed to receiving in the mail

Statements and Images: Annual