Heritage Savings - Heritage Bank and Trust (Columbia, TN)

Heritage Saver

Save money with ease! Free Heritage Saver links to your equally free Heritage Cash or Heritage Cash Back checking account to put your savings into overdrive. Contact us to get started!

Open Account

Savings Calculator Heritage Checking Other Savings Account OptionsContact Us 

Heritage Saver

 Save money with ease!  Heritage Saver links to your equally Heritage Cash checking account to put your savings into overdrive.

Each month you earn rewards on your Heritage Cash checking, those rewards are automatically transferred into Heritage 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 Heritage Cash checking
  • Automatic transfers of Heritage Cash earnings
  • 0.50% APY** on balances up to $25,000
  • 0.50% to 0.12% APY** on balances over $25,000 depending on balance in account
  • 0.01% APY** if qualifications are not met on Heritage Cash
  • No monthly service fee
  • No minimum balance to earn rewards
  • Free online and mobile banking
  • Free eStatements 
  • $25 minimum deposit to open

Didn't find what you were looking for? Click here to see more Heritage Bank and Trust savings account options.


*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. 

Reward Information: When your Heritage Cash account qualifications are met during a Monthly Statement Cycle, the following rewards will be distributed to your account on the last day of the current statement cycle: Heritage Saver: Balances up to $25,000 receive APY of 0.50%; and balances over $25,000 earn 0.02% interest rate on the portion of balance over $25,000, resulting in a range from 0.50% to 0.12% APY depending on the account’s balance. Heritage Cash: Balances up to $10,000 receive a non-compounding 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 non-compounding range from 1.00% to 0.02% APY depending on the account’s balance. When Heritage Cash qualifications are not met, Heritage Saver: All balances earn 0.01% APY. Heritage Cash: All balances earn a non-compounding APY of 0.01%. *When linked to the Heritage Saver account, the interest earned within the Heritage Cash account does not compound since it is automatically transferred to the Heritage Saver account within one day. This automatic transfer may cause an overdraft to your Heritage Cash account if the account’s balance is less than the transferred amount when transfer occurs. **APY = Annual Percentage Yield. APY calculations are based on an assumed total account balance of $10,000 plus $100,000 to be shown as a single figure (i.e. $110,000) for Heritage Cash and $25,000 plus $100,000 to be shown as a single figure (i.e. $125,000) for Heritage Saver. APYs accurate as of 10/14/2020. 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 Heritage Cash account is required to have a Heritage Saver account. A linked Heritage Saver account is required for automatic savings. There are no recurring monthly service charges or fees to open or close this account. After three withdrawals per calendar quarter, you will be charged $2.00 for each additional withdrawal. The fees will be assessed at calendar quarter end (March, June, September and December). Contact one of our bank service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC.


Go to Top