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Savings Accounts    

 Make Saving Effortless

Kasasa Saver*  

Save money with ease!  Free Kasasa Saver links to your equally free Kasasa Cash or Kasasa Cash Back checking account to put your savings into overdrive. 

Each month you earn rewards on your Kasasa checking, those rewards are automatically transferred into Kasasa Saver - where you will be racking up the interest.  It's like doubling up on rewards!

  • Free account that builds your savings with ease
  • Links to free Kasasa Cash or Kasasa Cash Back checking
  • Automatic transfers of Kasasa Cash or Kasasa Cash Back earnings
  • 0.75% APY* on balances up to $50,000
  • 0.75% to 0.42% APY* on balances over $50,000 depending on balance in account*
  • 0.02% APY* if qualifications are note met on Kasasa Cash or Kasasa Cash Back
  • No monthly service fee 
  • No minimum balance to earn rewards
  • Fee online and mobile banking
  • Free eStatements 
  • $25 minimum deposit to open

Other Savings Options

Regular Savings

Whether saving for a rainy day or a special reason, the Heritage Regular Savings account is perfect!

  • $15.00 fee per quarter unless a minimum daily balance of $100 is met
  • 3 withdrawals per quarter, $2.00 for each additional withdrawal. (No more than 6 allowed per month) 
  • Online Banking & Mobile Banking App
  • eStatements with images (*paper statements available with a $2.00/month fee)

New Generation Savings

A savings account designed for age 18 and under or full-time student. Heritage Bank encourages savings at an early age. Start your children in the habit of saving early with our New Generation Savings account.

  • No minimum balance fees
  • Must have parent or guardian signature if under 18 years old
  • Must have proof that you are a full time student
  • No minimum balance
  • 3 withdrawals per quarter $1.00 for each additional withdrawal (No more than 6 allowed per month)
  • Online Banking & Mobile Banking App
  • eStatements with images (*paper statements available with a $2.00/month fee)

Christmas Club Savings Account

Start saving for Christmas early. Don’t wait and be surprised by high interest rates and finance charges. Save for next Christmas now!

  • Minimum opening deposit of $25.00
  • No fee
  • Interest paid at maturity
  • Only 1 Withdrawal per year on Oct. 31st of each year. If money is withdrawn early the account is closed and can not be reopened until Nov. 1st. The account can be manually re-opened and begin the cycle for the next year anytime on or after Nov. 1st.

Traditions Money Market

A money market that is simple and easy with several great features.

  • $15 Fee, unless you maintain a $2,000 balance or combined deposit balances of $5,000
  • Up to six transactions are allowed each month; however, after three transactions to a 3rd party, there will be a $3.00 fee per additional transaction
  • Money Market checks at now charge
  • Check card with approval
  • Online Banking & Mobile Banking App
  • Minimum opening deposit of $2,000
  • Tiered interest rates
    • Under $1,000
    • $1,000 -$9,999
    • $10,000-$24,999
    • $25,000-$49,999
    • $50,000-$74,999
    • Over $75,000

Legacy Relationship Money Market

A Money Market Account especially designed for those customers who want to earn the highest rates and are Relationship Checking Customers.

  • $25.00 fee unless you maintain a Legacy Relationship Checking Account
  • No Minimum Balance
  • Up to six transactions are allowed each month; however, after three transactions to a 3rd party, there will be a $3.00 fee per additional transaction
  • Money market checks at no charge
  • Check card with approval
  • Online Banking & Mobile Banking App
  • Tiered interest rates
    • Under $1,000
    • $1,000 -$9,999
    • $10,000-$24,999
    • $25,000-$49,999
    • $50,000-$74,999
    • Over $75,000

 The savings account you choose should be one that fits your preferences and needs, so that it will help you reach your financial goals. Look over the account descriptions below and choose the one that suits your needs.

*Qualification Information for  Kasasa Saver: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards:  ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued by our bank. “Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle.

Reward Information: Rewards vary by account. When your linked Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, your Kasasa Saver account balances up to $25,000 receive an APY of 0.75%; and balances over $25,000 earn 0.25% interest rate on the portion of balance over $25,000, resulting in a range from 0.75% to 0.35% APY depending on the account’s balance. When your Kasasa Cash Back qualifications are not met, all Kasasa Saver balances earn 0.02% APY, ATM fees are not reimbursed and only the non-qualifying interest from the Kasasa Cash Back account is credited to your Kasasa Saver account.  Interest, cash back payments and ATM fee reimbursements, if any, are credited to your Kasasa Saver account on the last day of the current statement cycle.  APY = Annual Percentage Yield. APYs accurate as of 03/15/2017. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. 

Reward Information: When your Kasasa Cash or Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, the following rewards will be distributed to your account on the last day of the current statement cycle: Kasasa Saver: Balances up to $25,000 receive APY of 0.75]%; and balances over $25,000 earn 0.25% interest rate on the portion of balance over $25,000, resulting in a range from 0.75% to 0.35% APY depending on the account’s balance. Kasasa Cash: Balances up to $25,000 receive a non-compounding APY* of 0.75%; and balances over $25,000 earn 0.25% interest rate on the portion of balance over $25,000, resulting in a non-compounding range from 0.75% to 0.35% APY** depending on the account’s balance. Kasasa Cash Back: 2.00% cash back on up to a total of $300.00 debit card purchases that post and settle to the account during that cycle period. A maximum of $6.00 cash back may be earned per Monthly Qualification Cycle. When Kasasa Cash or Cash Back qualifications are not met, Kasasa Saver: All balances earn 0.02% APY. Kasasa Cash: All balances earn a non-compounding APY* of 0.02%. Kasasa Cash Back: No cash back payments are made. *When linked to the Kasasa Saver account, the interest earned within the Kasasa Cash account does not compound since it is automatically transferred to the Kasasa Saver account within one day. This automatic transfer may cause an overdraft to your Kasasa Cash account if the account’s balance is less than the transferred amount when transfer occurs. **APY = Annual Percentage Yield. APYs accurate as of 03/15/2017. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.

 Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.  A $25.00 minimum deposit is required to open the account. Enrollment in electronic services (e.g. online banking, electronic statements, and log-ons) may be required to meet some of the account’s qualifications. Limit 1 account per social security number.  A Kasasa Cash or Cash Back account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. There are no recurring monthly service charges or fees to open or close this account. Contact one of our bank service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. Kasasa, Kasasa Cash, Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.

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