FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Bank Accounts for Kentucky & Ohio Businesses |
Here. For Entrepreneurs & Small Business Owners.
Our founders were successful entrepreneurs, and it is our mission to ensure small businesses in our region thrive. Like you, we’re nimble and responsive. We also believe in the power of relationships. Because our bankers know you and understand why your business is unique, we’re able to recommend the products you need.
Heritage Bank offers insurance for deposits above $250,000.
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Heritage Bank Routing Number: 042102160 |
Business Checking Accounts
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Designed for businesses with low to moderate activity levels and limited treasury management needs. |
Designed for businesses with higher activity levels, greater treasury management needs and complex business operations. |
All business checking accounts include access to digital banking, night deposit, and access to one of the nation’s top ATM networks as well as 100s of local locations.
Other product-specific fees may apply to some accounts. Contact a Heritage Banker for a pricing disclosure specific to your desired product.
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Checking Account |
Legacy Checking Account |
Advantage Checking Account | |
|---|---|---|---|
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Balance Needed to Waive Monthly Service Fee |
$0.00 |
$10,000 |
$50,000 |
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Monthly Service Fee |
$0.00 |
$15.00 |
$50.00 |
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Number of Included Transactions |
250 | 500 | 750 |
| Transaction Overage Fee* | Each item over 250 will be processed for $0.30 per item |
Each item over 500 will be processed for $0.50 per item |
Each item over 750 will be processed for $0.50 per item |
| Interest Bearing | - | Yes | - |
| Positive Pay Included | - | - | Yes |
| ACH Origination Included | - | - |
20 (Overage Fee: $1.50/Item) |
| Business Mobile Deposit | Yes | Yes | Yes |
| Incoming Wires Included | - | - |
2 Incoming (Standard price after 2 received) |
| Business Credit Card |
Yes (Pending credit review |
Yes (Pending credit review |
Yes (Pending credit review |
| Business Debit Mastercard® |
Yes |
Yes |
Yes |
*Items considered for this fee include checks paid, deposit tickets, checks deposited, ACH credits and debits received, and ATM/Debit card credits and debits.
**Available to business customers interested in a business credit card they do not already have through Heritage Bank, pending credit review and approval. Must run application through a Heritage Banker rather than completing an online application.
Business Checking Analysis Account
Designed for businesses with higher activity levels.
Earnings Credit
We apply an earnings credit to reduce or eliminate fees on the account. You will not be paid or receive credit for excess earnings credit.
Fees
A monthly maintenance fee of $15.00 is charged each statement cycle. In addition to the monthly maintenance fee, monthly fees may be assessed for services such as checks paid, deposits made, deposited items, ACH items received, ACH items originated, and other services offered through Treasury Management. Other product specific fees may apply to some accounts. Contact a Heritage Banker for a pricing disclosure specific to your desired product.
Business Debit Card
Make purchases wherever Mastercard® is accepted. Your checking account is automatically charged and purchases are recorded on your bank statement.
Get cash when you need it at any of the tens of thousands surcharge-free ATMs affiliated with Heritage Bank or Allpoint locations. Designate the account for withdrawals and check your balance wherever you travel.
Use CardGuard® to turn your card off and on from a mobile device. Set spend limits for employees using the card. Monitor or block types of transactions and merchants. Restrict transactions to a geographic area. Receive real-time alerts for debit card transactions to quickly detect unauthorized activity.
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