Savings Accounts

It is never too early – or too late – to start saving! We offer competitive rates and easy ways to help you save each month automatically. Contact us to start the application process today or visit one of our convenient locations.

Open Account

Savings Calculator Locations Switch Kit Great Rate Saver

Account Options

Options	Regular	New Generation	Legacy Relationship Money Market	Christmas Club
Features	Basic savings account that everyone needs as part of their financial plan	Designed for age 18 and under and/or a full time student*	Designed for customers who want to earn the highest rates and are Relationship Checking customers	Start saving for Christmas early
Opening Deposit	$200	$5	$2,000	$25
Pays Interest*	Yes	Yes	Yes, tiered rates	Yes
Minimum Balance	$200 minimum daily balance must be maintained to avoid $15 quarterly fee	None	Maintain a Legacy Relationship Checking or Founder's Club Checking to waive the $25 monthly service charge.	None
Service Charges	$15 if balance drops below $200 QUARTERLY CHARGE	None	$25 if balance drops below minimum monthly balance requirement MONTHLY CHARGE	None
Withdrawal Limits	3 withdrawals or transfers per quarter with no fee; $2 for each additional transaction	3 withdrawals or transfers per quarter with no fee; $1 for each additional withdrawal	After 3 withdrawals or transfers during a statement cycle there will be a $3 per transaction fee	Automatic withdrawal each year as of 10/31; if money is withdrawn early, the account is closed and cannot be reopened until 11/1; can be manually reopened and begin new cycle each year on 11/1
Online & Mobile Banking and Mobile deposit	Yes	Yes	Yes	Yes

All savings accounts earn interest based on the annual percentage yield (APY). Money Market accounts pay interest on tiered rates based on account balances. Contact Heritage Bank & Trust for current rates.

* Guardian must sign since minor account. Account can be converted to Regular Savings account when minor at account opening turns 18 or student reaches 21 years of age.

Contact a Heritage Bank & Trust client banker for current rates, full description and disclosures.