Heritage REWARDS Checking

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Heritage Rewards Checking Accounts

Here's how to earn your Heritage rewards

Just do the following simple transactions and activities (we call them qualifications) within your free Heritage Cash or Heritage Cash Back checking account during each monthly statement cycle:

• Have at least 12 debit card purchases post and settle
• Have at least 1 automatic payment (ACH) or 1 direct deposit (ACH) post and settle
• Be enrolled in and agree to receive e-Statements
• Be enrolled in and log into online banking or mobile banking

Plus, there are no additional qualifications to earn a higher Heritage Saver rate. Just meet your Heritage Cash qualifications and get a higher rate on your linking Heritage Saver, too!

Monthly Statement Cycles for 2022:

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*Reward Information:
Heritage Cash:  When your Heritage Cash account qualifications are met during a Monthly Statement Cycle, (1) Balances up to $10,000 receive APY** of 1.00%; and balances over $10,000 earn 0.02% interest rate on the portion of balance over $10,000, resulting in a range from 1.00% to 0.11% APY depending on the account’s balance and (2) you will receive reimbursements up to $20.00 ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Statement Cycle in which you qualified. When Heritage Cash qualifications are not met, all balances in the account earn 0.01% APY and ATM fees are not refunded. Interest and ATM fee reimbursements will be credited to your Heritage Cash account on the last day of the current statement cycle. **APY = Annual Percentage Yield. APYs accurate as of 10/14/2020. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.

Heritage Cash Back:  When Heritage Cash Back qualifications are met during a Monthly Statement Cycle, you will receive Tier 1 - $50.00 - $149.99 = $2.00; Tier 2 - $150.00 - $299.99 = $4.00; Tier 3 - $300.00 + = $6.00 for cumulative 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 Statement Cycle. You will also receive reimbursements up to $20.00 ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Statement Cycle in which you qualified. When Heritage Cash Back qualifications are not met, no cash back payments are made and ATM fees are not refunded. Cash back payments will be credited to your Heritage Cash Back account on the last day of current statement cycle and ATM refunds will be credited to your account the day qualifications are met nd then the day of an ATM transaction until the end f the statement cycle. Rates and rewards are variable and may change after account is opened.

Qualification Information: 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 Statement 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.

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. 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.