Heritage Bank's Nationally Available eCentive Account Rate Soars

POSTED ON BY

Deal Summary: eCentive Account (rewards checking account), 3.33% APY, up to $25k

Availability: Nationwide

Heritage Bank has more than doubled the rate on its eCentive Account to 3.33% APY on qualifying balances up to $25k. Qualifying balances over $25k earn 0.15% APY, with non-qualifying balances earning 0.05% APY.

APYMINMAXINSTITUTIONPRODUCTDETAILS
3.33*%-$25kHeritage BankeCentive Account
OTHER TIERS: 0.15% $25k+
Rates as of September 24, 2018.

DA has been tracking the eCentive Account since November 2009, when its APY was 2.14%. The APY began a slow decline in August 2010, settling at 1.26% in April 2013 and remaining there for almost five years. 207 bps were added in two rate increases since the beginning of 2018.

eCentive Account Qualification Requirements

  • At least 10 debit card payments and/or purchases.
  • At least one Direct Deposit or ACH per month.
  • Receive monthly eStatement.

The eCentive Account has no minimum balance requirement or monthly service charge, but there is a $100 minimum opening deposit requirement. There is a $4 monthly if you don’t sign up for eStatements and paper statements are sent. (I realize I’m stating the obvious, but not receiving eStatements automatically makes any balance non-qualifying.) If an eCentive Account is closed within six months of opening, a $30 fee will be assessed. Nationwide ATM fees will be reimbursed up to $25 per monthly qualification cycle.

HeritageDirect Savings

Heritage Bank’s online savings account, HeritageDirect Savings, also had a rate increase this week, but the 0.60% APY is so uncompetitive, it doesn’t merit more than this one sentence.

Availability

Headquartered in Spicer, Minnesota, Heritage Bank offers its eCentive Account to all U.S. citizens,18 years or older, with a valid Social Security number through its online application.

Opening an eCentive Account can be done online, or at any of the four Minnesota branches located in Pennock, Raymond, Spicer, and Willmar, or the eight Iowa branches located in Alta, Anthon, Aurelia, Cushing, Holstein, Lytton, and Sioux City (2).

Bank Overview

Heritage Bank has an overall health grade of "B+" at DepositAccounts.com, with a Texas Ratio of 11.80% (above average) based on December 31, 2017 data. In the past year, Heritage Bank has increased its total non-brokered deposits by $23.18 million, an excellent annual growth rate of 7.76%. Please refer to our financial overview of United Bank (FDIC Certificate # 19254) for more details.

Founded in 1964 as the National Bank of Willmar, the Bank was a privately owned, community bank established and run by the Geiger family. The Bank was renamed Heritage Bank in 1984, and in 1989 acquired two Minnesota banks (The Citizens National Bank of Madelia and State Bank of Pennock). Further acquisitions occurred in 2004 (Farmers’ State Bank of Raymond) and 2011 (Heritage Bank, N.A. in Iowa). The biggest news in Heritage Bank’s story happened in November 2014:

The 150 employees of Heritage Bank will all be employee-owners. On Monday, Nov. 3, 2014, bank management announced that Heritage Bancshares Group, Inc., the parent company of Heritage Bank N.A., will become an employee-owned company through an Employee Stock Ownership Plan (ESOP).

“It is a win-win proposition for Heritage Bank, its employees and our local economy,” said Heritage Bank CEO Tom Geiger “By funding the ESOP, Heritage is investing in the employees who have helped make the company successful, and keeping that investment right here, helps support the local communities we serve.”

How the eCentive Account Compares

When compared to the High Yield Reward Checking Accounts tracked by DepositAccounts.com, which are available nationwide and have maximum qualifying balances of at least $25k, Heritage Bank’s eCentive Account APY currently ranks first.

The above rates are accurate as of 4/19/2018.

To look for the best Reward Checking Account rates, both nationwide and state specific, please refer to our High Yield Reward Checking Account Rates Table page.

Related Pages: Minneapolis checking accounts, Sioux City checking accounts, Sioux Falls checking accounts, reward checking accounts, nationwide deals

Comments
RJM
RJM   |     |   Comment #1
Pretty good offer with a $25k limit. I have 2 local credit union accounts that only pay 2% so I will stop using them at the end of the month, if not sooner.

LMCU is still at 3% as is another local credit union that I joined recently.

My AA experiment is about over. At least they did not do a hard pull.
Anon1234
Anon1234   |     |   Comment #2
Great find, Ken! The application was straightforward and the opening process went smoothly. Note that you must return the signature card and a copy of your ID via snail-mail. A debit card application (which I do not remember encountering in the application process) must also be completed and returned along with the signature card and ID. A very helpful CSR is emailing me a copy of that form. The debit card is ordered once all the paperwork has been received.
Anon1234
Anon1234   |     |   Comment #3
Further to my comment above, the bank also offers a Triple Option CD with interesting features. I will share details on the forum in case other readers might be interested in thisCD offering.
BBER
BBER   |     |   Comment #9
Is opening the account a Soft Or Hard Pull?
RJM
RJM   |     |   Comment #4
Do these guys go by the calendar month or some variation of it?

If so, I will probably wait until the 1st to open mine.
RJM
RJM   |     |   Comment #5
It IS the calendar month. Wanted to ask about he first month free but our line got cut off.
Anywho
Anywho   |     |   Comment #22
CSR told me calendar month cycle for requirements and statement. No waiver of requirements for first month.
RJM
RJM   |     |   Comment #27
I bet she was misinformed. I will call monday again to verify.

Opening the account now would allow very little time do do the needed transaction if the card even came by the end of the month. Never heard of one that did not waive the first month.
RJM
RJM   |     |   Comment #43
A rep answered my email regarding it.....
We received your Customer Service Request regarding our interest bearing checking account. The eCentive account requires that certain qualifications be met in order to receive the higher rate of interest on the first $25,000 balance. Therefore, there is no introductory month offer with this account. The interest is compounded monthly, at the end of the month, when qualifications are met for that statement. If you have more questions regarding opening your account, please fee free to contact us.
Anon1234
Anon1234   |     |   Comment #53
CSR told me cycle closes on the last business day of the month, not the last calendar day. He also confirmed no waiver on the first month.
Anon1234
Anon1234   |     |   Comment #95
Spoke with a CSR today on a different matter and asked about the first-month waiver since I had been told there was no waiver. The CSR stated that management had initially told them there was no first-month waiver but after seeing the influx of accounts changed their decision.

In summary, if you were among the initial wave of applicants, you were told "no waiver". New applications now have a first-month waiver of requirements.
RJM
RJM   |     |   Comment #96
Hmm, I don't know where I fall within the timeline but I have completed the 10 transactions. And, my test transactions hit today so I can add some money to round my balance up to $25k. I had used this debit card to get cash from the grocery store for a garage sale purchase.
tightwad
tightwad   |     |   Comment #6
Nope......don't have a direct deposit and too lazy to do the debit card transactions.......Next! PS-Mix-Hi Dummy!
RJM
RJM   |     |   Comment #7
I don't have a direct deposit either. An ACH is easy. And I pull out the interest every month anyway. And 10 transactions are not that hard.
tightwad
tightwad   |     |   Comment #8
True.....but you missed the part about me being lazy!
RJM
RJM   |     |   Comment #16
Too lazy to do 10 little transactions?

I figure the excess interest is $27.71 per month over a 2% liquid account. You are too lazy to do debit card transactions that pay you $2.77 each?

I'm lazy too, not that lazy.
RJM
RJM   |     |   Comment #17
I do mine at a local gas pump and 10 of them takes me probably 30 seconds each.
Lets say 45 seconds to start. 7.5 minutes a month for $27.71.

Comes out to $138.55 an hour. That is WAY more than I ever made when I worked.

You can make multiple $1 billpays to meet the requirements and that is probably even faster.
RJM
RJM   |     |   Comment #40
Sure sounds like a personal attack from yet another anonymous poster. I really wish they would stop allowing anonymous posters like you.
RJM
RJM   |     |   Comment #41
Tiberious

I and many, many others have been doing small transactions on these kind of accounts for many years and not a single time has it ever ruined it for everyone else.

Calling me a cheapskate is fine, I take that as a compliment. Calling me a loser just shows your lack of maturity. People like YOU are why I think every poster here should be registered.
tightwad
tightwad   |     |   Comment #12
Wonder how they allowed 2 username "tightwad"? I have had the username since day 1 of this forum. At least 10 years.
111
111   |     |   Comment #21
Only the real one casts a shadow.
JimDavis
JimDavis   |     |   Comment #10
3.33% looks good, but the cd rates are too low to be of interest  (pun intended)
deplorable 1
deplorable 1   |     |   Comment #11
This is a pretty good deal if you use debit cards due to the high $25,000 cap. My guess is that they will either lower the cap or the rate once a bunch of people sign up. If only a bank would offer a high yield checking without the direct deposit and debit card hoops. They can afford to pay a higher rate if they just cap the account.
RJM
RJM   |     |   Comment #15
Very easy to remove the money and stop using if they lower the rate.

I guess the thought is getting people to use the debit card for all purchases will make up for the extra interest?

Does not work with me because I do very small gas transactions and/or $1 charges for places I can pay bills without an extra fee.
JimDavis
JimDavis   |     |   Comment #13
Were you able to add a beneficiary(s) when opening this rewards account
Anywho
Anywho   |     |   Comment #23
Towards the end of the online application there's a link to download a beneficiary designation form. It's partially filled out with your info - you fill in the rest, print it, and mail it in with your signature card and photocopy of ID.
Arni83
Arni83   |     |   Comment #24
Did they require copy of SS card to be mailed in or just driver's license/state ID?
Anywho
Anywho   |     |   Comment #34
They want a copy of your picture ID card.
"Please return the Signature Card(s), Beneficiary Designation Form (if applicable),
Health Savings Account Application (if applicable), Debit Card Application (if
applicable), and Request for Check Order form (if applicable) along with your (and
any joint owner's) legible copy of unexpired picture ID to us via mail within 10
days."
JimDavis
JimDavis   |     |   Comment #37
No reason for them not to accept an emailed PDF or JPG of those, unless they need a hardcopy signature. I don't see why.
RJM
RJM   |     |   Comment #28
Crap. I no longer have a copier with my printer. I guess maybe I could scan & save it and print it from there?
JimDavis
JimDavis   |     |   Comment #14
Interesting, another well known site lists this as being available only in MN, IA, SD

Which is it?   I trust DA, but wonder where they got that info?
Freddy
Freddy   |     |   Comment #26
When you click on review of that other well known site, it will take you to their review of this bank and on that page, they list it as Nationwide. They probably just haven't updated that page you saw.
JKER
JKER   |     |   Comment #25
Can you open more than one account?
Soft Or Hard Pull?
RJM
RJM   |     |   Comment #29
It appears at least one branch is open today, So Customer service may be too. I will try to call. I am going to open the account. But if the first month is not free, I will defer sending the bulk of the money until the first.

Lobby Hours
M – F : 9:00am – 4:00pm

Drive Up Hours
M – W : 7:30am – 5:30pm
Th – F : 7:30am – 6:00pm
Sa : 8:00am – 12:00pm

ATM Hours

ATM has live customer support M – F : 7:00am – 7:00pm, Saturday : 8:00am – noon
RJM
RJM   |     |   Comment #30
I cant get customer service to pick up and I cant find a direct number for the branch that is open today.

My concern is if I open this with $25k and I don't get my card in time, I won't get the 3.33% for the rest of the month.
RJM
RJM   |     |   Comment #31
I must have missed one of their questions. They misspelled one of my former addresses from 40 years ago so I put none of the above thinking it was a trick question.
The other question, what can did I have registered 30 years ago, I can't recall so I guessed. Maybe wrong but it did not say. My application was apparently lost in space or I am just rejected forever for missing an answer.

If they cant open the account without me sending something I don't have, I guess I won't be opening an account with them.

Thank you ID Authentication


Based on the information you entered, we are unable to complete the identity verification process. Therefore, we will not be able to proceed with this account application online. If you feel you received this message in error, please contact Heritage Bank's Deposit Services Department at 800.344.7048 ext. 3920 or 320.214.3920.
gregk
gregk   |     |   Comment #38
Just start a new application and hope you can get the identity verification answers correct on a second try. You're not limited to one shot.
RJM
RJM   |     |   Comment #42
I will. But it did not indicate that. It said call CS. But, I might as well wait until the 1st because I did get an email response that said they do NOT give us a free month. (Like every other bank or credit union that has these type accounts)
Wils
Wils   |     |   Comment #35
ACH Transfer to or from another FI $2.50 per transfer
but
Bank-to-Bank Transfer Standard 3-day transfer NO CHARGE
Wils
Wils   |     |   Comment #36
also haven't seen a daily debit limit of only $500 in years, guess we shouldn't feel bad about small transactions
RJM
RJM   |     |   Comment #46
?? Is that right???

Will my initial deposit cost me a $2.50 fee unless I choose 3 day transfer?
JimDavis
JimDavis   |     |   Comment #39
Banks getting dumber all the time. They asked me two easy questions and the very stupid WHEN WAS YOUR SOCIAL SEC CARD ISSUED

NO ONE has ever asked me that for the last 200 years. And how the hell would anyone even remember such a thing.

I went to the trouble of finding a site that can figure it out from the number and still failed the security question. Of course they never tell you why you failed.

Time wasters .
RJM
RJM   |     |   Comment #44
I missed one too. A poster above says we can just try another application but I suspect that is not allowed. It kind of defeats the purpose. But I will call here shortly.

95% of the time, I pass these questions. Once, with a credit bureau, when I missed, the ONLY way to resolve it was to send a fax. I don't have one and did not do it but the incorrect information was finally removed, I guess about 6-9 months later.
RJM
RJM   |     |   Comment #45
I called, she was unsure but seemed to think we could just try again.

I guess I will go ahead & open it with a small amount and then move the rest in after the first.
gregk
gregk   |     |   Comment #47
Why speculate if you can or can"t complete a 2nd app if you fail the identity verification (or why even bother calling the FI)? JUST DO IT, and you will quickly discover you can (assuming you answer the questions correctly, - though BTW, 2 out of 3 right answers passes, so don't let the SS card inquiry bother you).
RJM
RJM   |     |   Comment #48
I think I passed it the 2nd time. After getting timed out repeatedly prior to that and then I realized that I needed a filled out signature card which I do not have yet.

Hard to believe I missed 2 of 3 the first time. 1 maybe. Not 2. No hurry though because I am only sending $100 to open the account with more coming after the first.
gregk
gregk   |     |   Comment #49
I would send the whole kaboodle to them immediately, which even doing so you'll be lucky to have the accounts open and funds credited by May 1rst. Snail mail takes time and there's a weekend coming up. Even acting now it's likely to be well into next week before you see any evidence of action by Heritage.
JimDavis
JimDavis   |     |   Comment #51
Sig card was downloadable. You should have gotten it.
gregk
gregk   |     |   Comment #52
I mean you have to send that signature card ( and potentially other documentation, - identity verification, debit card request, beneficiary form) back to them, and I don't believe they allow fax or email for that.
RJM
RJM   |     |   Comment #55
I was on my laptop because I did not know I would need to sign & download the card before I could even complete the application.

I will tackle it again later on my desktop.

In the meantime, can anyone tell me how the initial deposit is funded? Do they pull it from another bank? Can I later add money from a different credit union on a pull ach?
111
111   |     |   Comment #54
FYI - note that the "signature card" is actually titled "Account Agreement" at the top of the page, and for those who download it prior to printing and signing (my gut tells me that's most of us), the default filename the bank's website gives that file is "form.pdf". Not the best nor the clearest design in the world...
Wils
Wils   |     |   Comment #50
I didn't even think about that question, just assumed it was issued near my birth date, probably wrong but I passed
RJM
RJM   |     |   Comment #57
Finally got the application submitted. Never had to redo an application SO many times in my life.
Various reasons over & over but I finally finished. Now, I just have to fill out the request for a debit card and the POD form and send in a check.

They only allowed $4000 by ACH so I just decided to wait and send a larger check to conserve my limit of 6 transactions from the other bank.

I am also unaware of Heritages system when I do get the account open.
Can I later do ACH pulls in ?

I may send a check for $13k today with another $12k to follow.
++$?
++$?   |     |   Comment #58
will interest put you over the 25k and trigger lower apy?
RJM
RJM   |     |   Comment #59
The lower interest is only on the excess portion. So, I imagine I will just pull out the interest every month like I do with my other RCAs. 2 of which I will no longer use after this month.
gregk
gregk   |     |   Comment #60
Has anyone managed to get an account "up and running" by now?
Did they communicate with you immediately after receiving the documentation? How soon after them receiving the documentation was the account open?
Anon1234
Anon1234   |     |   Comment #61
The latest communication from Heritage Bank is an email "Heritage Bank Account Funding Validation". It includes a warning "Please keep this email until your new account is open. It cannot be re-sent to you." The email includes a link to use in order to verify trial deposits which will be sent to the funding account, and a confirmation number which apparently will also be needed. The email further warns that the confirmation number will expire after 30 days if the validation steps are not completed.
Anon1234
Anon1234   |     |   Comment #62
Additional info: I know they received my paperwork because a representative Emailed this morning asking for additional detail on an item in the application. The "account funding validation" email arrived within 3 hours of my reply to their inquiry.
gregk
gregk   |     |   Comment #63
Thanks for that. I mailed checks (for more than one account) so the process will of course be a bit different. My projection was they would likely received all the documentation by yesterday, but even if so it may still be too soon to have received an acknowledgement (though if nothing by week's end I'll likely call to inquire). Obviously I'd like the accounts opened as close to today (May 1rst) as possible so earnings can begin. Shall see how efficient they are.
Anon1234
Anon1234   |     |   Comment #64
gregk (#63) As a point of reference, I mailed the paperwork at the PO on Monday 4/23, with delivery expected (according to the PO) by Thursday 4/26. I called yesterday, 4/30 mid morning and the documentation had not been loaded into their system yet. The CSR stated they had been inundated with applications and were working as quickly as possible to process the documents.
RJM
RJM   |     |   Comment #65
I sent my paperwork and a check on saturday from my mailbox as the mail ran early friday.

I have not gotten an email and the check has not been cashed. But, given the number of times I had to redo my application, It would not surprise me if they figure out some more reasons to have me apply again.

(HINT, I have maxed out. NEVER again will I apply as many times as I did with this one ever again as long as I live)

I was going to send a 2nd check yesterday but decided to hold off because Im just not confident that 7-8 applications is enough for these guys. My last email from 4/27 at 6:38 am has not been responded to. It was asking about ongoing ACH capabilities from their end. Maybe Cassie is on vacation?
RJM
RJM   |     |   Comment #72
Got an email from them today. They got my deposit it seems. I have not logged in yet.

This message was sent securely using ZixCorp.

Your eCentive Deposit Account is now open and we have processed the opening deposit. Since this is a new account opened with a large dollar check, there is a hold on your funds until May 14th. Your account number is xxxxxx.

You may access your eCentive Account in Online Banking. Not an Online Banking customer yet? Visit www.heritagebankna.com and click the ‘Sign up now’ link. Enter the requested information including the four-digit pin (the last four digits of your Social Security number). You will be prompted to select a new Access ID and password.

If you have questions about your new eCentive Account, or about any other Heritage Bank products and services, please contact Deposit Services by using our secure message link within Online Banking, or by calling toll free 1-800-344-7048 ext. 3920.
gregk
gregk   |     |   Comment #68
@Anon

To see any action this week then seems unlikely (I mailed 4/26). Moving to Heritage from 2% RCA's means even a May 10th opening will leave me ahead for the month from where I would be. The thing is if my cards don't arrive till the 20th I'll have to scramble to do the transactions (many X more than just 10 since I'm opening multiple accounts) and I hate to be one of the $1 or $2 manipulators. Really they should waive requirements first statement cycle like everyone else, but then given a great rate and high ceiling I'm not complaining to much. Needing my accounts approved and "on the books" first of all, before other concerns even become relevant.
Anon1234
Anon1234   |     |   Comment #71
gregk (#68) Scrambling to complete the transactions by the last business day of the month (depending on the timing of receipt of the debit card) is a concern for me as well. Although not my preference, I may have to be a $1- or $2- customer the first month; will have to play it by ear.
Whatzis
Whatzis   |     |   Comment #66
Read that Funding Validation email carefully. Unlike other banks, there will be no trial _deposits_ to the funding bank you specified in the application, there will only be one sub-dollar _withdrawal_ which will be deposited into your new account. The email says click on the link to launch a confirmation web page then enter that single withdrawal amount and your unique confirmation number. Once that confimation is complete, Heritage will pull the balance of your specified initial deposit across. It took about two days from confirmation completion to initial deposit pull. (No charge for the interbank transfers.)
Anon1234
Anon1234   |     |   Comment #67
Thanks Whatzis (#66), you are right that it is only a small withdrawal and not the usual trial deposits.
Wils
Wils   |     |   Comment #69
Mailed on 4/23, card charged and email with login info received on 5/2, obviously still waiting for debit card
gregk
gregk   |     |   Comment #70
So 7 business days from app mail-in to account opening, - for me this Friday. I will hope.
Anon1234
Anon1234   |     |   Comment #78
gregk (#70) Received secure email with my account number this morning. The funding account was drafted overnight. Next hurdle: debit card - at time of application was told to expect it within 10 business days after the signature card was received.
Anon
Anon   |     |   Comment #73
Hi all,

Just noticed this in the Consumer Fee Schedule: ACH Transfer to or from another FI
....................................................$2.50 per transfer

Is this right??

Thanks,
RJM
RJM   |     |   Comment #74
Can anyone clarify if they do indeed charge for ACH in or out? I have NEVER heard of that before.

Although Popular Direct has taught me things recently. Like no mailed in deposits and only one linked bank or credit union and you can't change it for 60 days. That's bothersome, but 2% is a nice rate otherwise.
Whatzis
Whatzis   |     |   Comment #75
Looking at their Consumer Fee Schedule, they differentiate ACH Transfer from Bank-To-Bank Transfer:

ACH Transfer to or from another FI
...............................................$2.50 per transfer

Bank-to-Bank Transfers
Standard 3-day transfer ................NO CHARGE
Next-day transfer............................$7.50/transfer

I've already set up links to two outside banks. When you do the same, you'll see a small blue circle with an "i" in it. Click on that to find out what your transfer limits are. Mine are $4K/4K/10K for per transaction/per day/per month (standard delivery time).
RJM
RJM   |     |   Comment #76
I thought bank to bank was ACH?

Can we pull money from elsewhere without a fee or a limit or does that cost $2.50?

My plan was to pull the interest every month after I get done with the debit card transactions. Assuming I get the debit card.
RJM
RJM   |     |   Comment #77
my first check, for $12k got to them on the 1st. 100% of it is on old until the 13th or 14th. Which seems excessive. Tomorrow, I am sending $12k more by check.

The first check has already cleared. I have ZERO availability. If I do get my debit card, I hope I don't have to wait 2 weeks to use it.

Initially, I did not think I was earning interest but I may be, The balance still shows zero.

Account information
Current balance
$0.00
Interest rate
3.28%
Accrued interest
$2.34
-------------

May 03, 2018
PENDING TRANSACTIONS -13,000.00 0.00
May 01, 2018
DEPOSIT 13,000.00 13,000.00
RJM
RJM   |     |   Comment #79
Direct from the bank... regarding the extended hold (was 13 days but reduced), incorrect MINT balance and $2.50 ACH fees.

The hold was removed today. We apologize for the inconvenience this may have caused you. Due to the high volume of applications we processed that day, the hold date did not get properly edited.

As for correcting the balance of your account, prior to removing this hold, our system showed the ledger balance of the account as $13k and the current available balance as $0. Since Mint is a program provided by a separate company, we do not have control over what balance they get. But, it appears they are getting the available balance, which is why it was showing at $0.

The ACH fee is only charged if customers want us to manually set an ACH up on our internal systems. If you want to pull your monthly interest using an online transfer service, with Heritage Bank or another bank, this fee would not apply. But, if you use the bank to bank transfer service from Heritage Bank and request an expedited transfer, there is a fee, which is disclosed as part of the process to initiate that transfer.

Again, I apologize for the confusion with the hold on your initial deposit. Please let us know if you have any other questions or concerns. And, thank you for choosing Heritage Bank!
------------------

As for the Mint thing, NO OTHER bank or credit union ever gets confused via my actual balance at Mint. So I think its THEM, not mint. But, I knew the amount and I could tell I was getting interest so its not a huge thing.
Grief
Grief   |     |   Comment #80
I received my debit card today. The sticker on it says: "To activate and set a PIN, call toll free ...., or use this card at an ATM."
Well, the first time I called, the system hung up on me after entering the card number and CVV. The second call yielded a "sorry we can't activate your card. Please call your bank."
OK, so I went to a local convenience store with a free ATM, slid the card in, and it asked for the PIN - I couldn't get past that.
Has anyone else received and activated their card? Might there be a separate mailing coming with an initial PIN (that wasn't mentioned)?
RJM
RJM   |     |   Comment #81
Bet that is it....separate mailing coming with an initial PIN
Grief
Grief   |     |   Comment #82
Update:
You must call the card activation line from the phone number associated with your checking account. (I had been using a different phone to activate.) The activation system seems to be a bit tone deaf, so use long presses for each digit. My card is now activated with a PIN I selected. (There will be no PIN mailer.)
111
111   |     |   Comment #83
I activated mine yesterday. It's actually a fairly common security measure, to have to call the activation number from the same phone the bank has on file. But often, they clearly tell you that on the sticker attached to the card, or on the letter. I don't recall that this bank did that.
Anon
Anon   |     |   Comment #84
Does any one know what are the daily and monthly withdrawal limits, if any? Reason I ask is, if I deposit 25K and at any time, wish to pull that money out in a hurry for any reason, via ACH.
111
111   |     |   Comment #85
I didn't ask them that question, because I intend to initiate ACH pushes and pulls solely from another bank, which has fairly high limits. But I did ask them a related question - does Heritage block, or have any dollar limits on, ACHs initiated from other banks? They said no, they do not.

This might seem an odd question to ask, but banks do have the ability to block or limit ACHs initiated by other banks, and there are a few that actually do this.
Whatzis
Whatzis   |     |   Comment #86
See last paragraph of comment #75.
Anon
Anon   |     |   Comment #87
"$4K/4K/10K for per transaction/per day/per month". I was told the same when I called (not yet opened the account). But if this is true, then not good at all. It will take 2.5 months to withdraw 25K.
RJM
RJM   |     |   Comment #88
Those limits MAY only be from their end. Below is exact wording from HB but I only asked about the fees. Did not ask about any limitations. I am still not sure the difference between their internal system and an ACH. But, initial concern was merely being able to pull my interest out every month. Because at 3.33%, I am going to keep it maxed out for the immediate future. Id imagine they would send you a check for a larger amount if you needed it. I doubt their intent here is to cause anyone to have to take 2 and a half months to pull their money out.

"The ACH fee is only charged if customers want us to manually set an ACH up on our internal systems. If you want to pull your monthly interest using an online transfer service, with Heritage Bank or another bank, this fee would not apply. But, if you use the bank to bank transfer service from Heritage Bank and request an expedited transfer, there is a fee, which is disclosed as part of the process to initiate that transfer."
RJM
RJM   |     |   Comment #89
I just now got an Email from HB.

"Come back and Transfer Funds"

Good News! It is now easy to move money between your Heritage Bank NA accounts and your external accounts. Here's how:

Instructions
--------------------

1 Log on to Funds Transfer http://www.heritagebankna.com/.
2 Navigate to external transfers screen and follow the online instructions.
dotted line
Once the account is successfully added, input the amount you want to transfer, confirm and your money is scheduled to transfer. It is that simple!

Thank you for using Heritage Bank NA Transfer Funds. We look forward to serving you.

Sincerely,

Customer Care

Email ID: TN127
-------------

Interesting timing of the email as my account was maxed out yesterday. Although i am still waiting for the debit card.
RJM
RJM   |     |   Comment #90
Issues galore today when trying to knock out my 10 transactions.

Then, I found out that the first month they are waived. I thought so but got bad information about that before.

As for the $4000 per day and $10,000 per month and the $2.50 fee. I am still unclear on that because I got conflicting information depending on who I talked to.

She did say that either an ACH debit or credit would count toward the qualifications.

And, sadly, she could not resolve the debit card issue once and for all so I may have this problem around June 1st.

She DID say that if you want to pull out a large sum at once, they will send a large check after verifying your identity.
RJM
RJM   |     |   Comment #91
More info by email...I am going to risk a fee by trying to link it at ally. And then add a little money to reflect my handful of small debit card transactions today.

As for your question about doing a transfer out of your Heritage Bank account, the 4/4/10 limits only apply if you originate transfers within our bank to bank transfer program, which you access from our online banking program. Online transfers originated elsewhere would be subject to that system’s limits and the available balance in your account. It would not take months or weeks for you to get access to your money. As outlined in disclosures you would have received as part of the account opening process, we generally make deposits available the same day we receive them. But, we do reserve the right to put holds on deposits for up to seven business days.
RJM
RJM   |     |   Comment #93
In trying to set up a link with Ally to Heritage, I blamed HB but it turns out Ally did not send the 2 small transactions. Ally, somehow blamed it on me for not completing something or another which does not make sense because their "alert" was up the next day. Anyway, Ally said they would send the trial deposits so I can have a way to pull out my interest every month. Without dealing with HBs 3 day system which I have not even attempted to set up.

I did get a call back from their security department regarding why my transactions were getting rejected. Hopefully it's resolved now for future months and I think it will be. My 2nd deposit too way too long to finally show as available and during the entire time, my MINT balances were off because HB does not report it correctly. (Unlike every other bank, credit union & brokerage I have ever used)

But that situation is over & done with. Should not recur.

But you do get different answers to different questions depending on who you talk to. 2 reps told me the first month was not free, the 3rd read it to me from their handout. So she was right, the other 2 were not.

You do not have to qualify the first month despite which is consistent with 99%+ of RCAs. But, I already did mine by the time I found that out.
JimDavis
JimDavis   |     |   Comment #98
I knew about the first month , but did the transactions anyhow. Im a nice guy
Anon
Anon   |     |   Comment #92
Hi all,

Has any one completed a monthly cycle yet? Any experiences / surprises - good, bad, ugly?
CashMeOusside
CashMeOusside   |     |   Comment #94
Not completed, but I've gone through a bunch of stuff and talked to them a couple of times.
I've pushed $20,000 from Discover, no fee showing up. The transactions limits are on transactions initiated from Heritage, not to Heritage (confirmed by CSR)
Also, it appears that virtually any debit card activity counts. When I got my debit card, I did all the different types of transactions that I could. When I called in, the CSR said they all counted, and it didn't matter how small they were.
Among the things I used my debit for: Walmart, McDonalds, paying off Humana health bill in $6-$9 increments, Cash App payments, Venmo payments, paying off garbage bill in small increments, etc.
I'm am sending Venmo and Cash App payments to my father, and I'm convinced that if you were so inclined, you could just do those types of payments to yourself and never actually have to use the debit card to make real purchases.
Also (I didn't read all the comments, so it may have already been said), you are allowed to open as many accounts as you wish, provided you meet the requirements for each. I have two accounts, which is why I wanted to verify my debit activity, since I must do 20 per month.
RJM
RJM   |     |   Comment #97
Is it just me or is their website down?
RJM
RJM   |     |   Comment #99
Interest rate change on Heritage Bank, NA (MN)

Your savings account lowered its APY!

0.05%
eCENTIVE

The above alert was from Mint. I don't think they actually lowered the rate. At least I hope not.
Anon1234
Anon1234   |     |   Comment #100
RJM (#99) I am not sure where Mint is getting its information. First, there is no eCentive savings account. There is only a eCentive checking account.

Second, when in doubt I prefer to verify information on an institution's website. As of today, 6/3, the Heritage Bank website is reflecting Qualifying balances over $25,000 earn 0.15% APY and non-qualifying accounts earn 0.05%APY. Details are available at https://www.heritagebankna.com/current-interest-rates/ This information is identical to what Ken reported in this blog post on 4/19.
RJM
RJM   |     |   Comment #101
Mint may have mentioned it because the first month it could have showed the higher rate all month because you don't have to qualify the first month. They have no way of distinguishing between a savings and a checking.

I am still considering opening a 2nd checking with HB. Do i just go thru the process again?
JimDavis
JimDavis   |     |   Comment #103
I came here to ask about this.

On my Account page, its showing .05 % interest. On all my other Kasasa accounts, they usually show the FULL rate, not the rate if you DONT qualify.

It's probably just a glitch in the way this bank handles it, but I'll be looking for confirmation of that. Doubt they would change the rate.
RJM
RJM   |     |   Comment #105
Website is showing the 3.33% rate. Id trust that over mint.

https://www.heritagebankna.com/current-interest-rates/
JimDavis
JimDavis   |     |   Comment #106
I wasn't concerned with mint, I was looking at my actual account screen.  Last I looked it had that .05 rate.
JimDavis
JimDavis   |     |   Comment #107
just double checked.

Most of the accounts don't show ANY rate on the account page. So I'd think this is a non event.
Verlikk
Verlikk   |     |   Comment #112
it's actually a feature that website shows the unqualified rate until the requirements are met, though not as nice as the banks that have a counter for each requirement
Grief
Grief   |     |   Comment #109
I've noticed that my Heritage online account page shows 0.05% interest rate until I've met all monthly requirements, then it changes to 3.33% for the rest of the month.
RJM
RJM   |     |   Comment #111
Mine is now. But a few days ago, it was still showing the .05%. It may have been because I did the final of the 12 transactions that day and it had not yet updated.
JD56
JD56   |     |   Comment #102
On both the consumer debit request form & account agreement form, does one have to write in full SSN in the space for Tax ID number? I'm wondering if to leave it blank as I don't feel comfortable putting that on the paper & sending it off with copies of driver's license too. And if they do need it prior to opening the account, hopefully, they can send a secure email to have the form resent. That's too much information in one pack that could potentially be misplaced. I'll probably call & clarify if that's absolutely required
Grief
Grief   |     |   Comment #108
Heads up - Heritage posted revised (6/4/18) terms for their eCentive checking account at heritagebankna.com/ecentive-account-terms-and-conditions/

The third item under "Account Qualifications" clarifies what they want for monthly transactions:
"Have one direct deposit or one automatic payment (ACH) per statement cycle (ACH must be initiated externally. Billpay and external transfers initiated within the Heritage Bank NA online banking program are NOT qualifying transactions.)"

Before this clarification I thought I could automatically push X bucks a month to an external bank account, but now that won't qualify. So I've set up one of my credit cards to pull a sawbuck out of Heritage every month. Hope that flies....
RJM
RJM   |     |   Comment #110
I automatically go in every month after the first and pull out the interest earned less the cost of the 12 transactions. (I pull it via another bank) I have not tried paying a credit card payment instead.

I do that with all 3 of my RCAs.

HB is the only one of the 3 that does not seem to have a scorekeeping device on their site. (The others, when I click on the right link, it will tell me if I have met the requirements or not which is nice)
RJM
RJM   |     |   Comment #113
I don't feel like reading all the old comments here. It seems like someone said you could open a 2nd checking account at the favorable rate. A rep told me limit one a few months ago but she was also wrong on the first month free of the required transactions.
Thanks
gregk
gregk   |     |   Comment #114
I have four ecentive checking accounts with Heritage, and believe there's no limit. You do have to complete a separate application for each account.
gregk
gregk   |     |   Comment #115
BTW, back before I established my accounts with Heritage I must have inquired of a full half-dozen individual phone reps as to whether the 1rst month requirements would be waived to earn the high interest rate, and their judgment was unanimous, - no waiver. Not a single one expressed any doubt about it whatsoever.
RJM
RJM   |     |   Comment #116
The last one I talked was positive that there was a waiver the first month.

I should get another one or two I guess. How do you do your 40 needed transactions?

I have a total of 3 which are 12+10+10=32 total. Been doing small gas transactions but I may have to get away from that.
gregk
gregk   |     |   Comment #117
I have a routine (carried over from the XCEL FCU RCA's I've now replaced with their Heritage equivalents) where for each account I do two (roughly) $50 transactions and then the rest mostly small ($2 or $3) fuel charges, - though sometimes groceries or other miscellaneous items for larger amounts find a place in the mix. I've always felt uncomfortable "gaming" these RCA's as my own mind determines, but decided a while back that an overall average of around $10 per transaction left me in good conscience. In fact, I could pretty easily take on another few accounts with Heritage and hardly break a sweat over any "transaction stress". Since likely they'd grandfather in anyone's already existing accounts, I should probably establish my desired account portfolio with them sooner rather than later, - before they make any decision to institute limits.
RJM
RJM   |     |   Comment #118
I don't have an issue with gaming the system. They know this and plan for it. And really, multiple accounts is as much gaming the system as is the tiny transactions I do. And I have a limited number of bills that I can pay this way. I think my AT&T bill is one and my Gas bill is another. Both of them I prepaid for months ahead for 3-5% cashback at the time. For most all my other purchases I use prepaid gift cards that I got at a discount. I feel a little bad for the store operators at the shell stations where I do my 3-4 cent gas purchases because they probably lose money on them.

At one station, the owner came out & ran me off. "You no do 3 cents only". So I respected him and do not go to his station.
Once I had a station call the cops on me but I explained to the cop what I was doing, showed him my cards, he looked me up for any wants or warrants and then went on his way after telling the clerk that I was not doing anything illegal.

My issue recently is I seem to have some kind of health issue that I feel a dizziness when standing still. So doing 20-30 small transactions at once does not feel right.

I can do 8-10 at a time though and I am out almost every day so splitting them up over 4 times should not be too difficult. (I guess I would need 42 if i open another here.)
I did have an issue with opening my account. Missed my security questions once or twice and timed out once or twice. So hopefully it will go smoothly this time.

i opened the Northern account with no issue.
gregk
gregk   |     |   Comment #119
Wow, - 3 or 4 cent transactions. If Heritage does decide to put limits on the number of accounts one can own that might be a good reason for doing so. To my mind it's simply "bad faith", - not using the accounts for any semblance of normal purposes, - in other words, "gaming things" as I would understand it. To say they "know this and plan for it" may or may not be true, but in any case wouldn't justify the kind of usage you're apparently indulging IMO. It's a breach of trust that you may say doesn't exist anymore, - that everyone (and every institution) is acting purely and only out of its naked self-interest alone by whatever means possible, - both you and them in this case, so whatever might be allowed is fair game to practice. I choose to not quite go that route. Sure, I'm out for myself to make as good a return on investment as possible, but still observe certain contraints and restraints in individual circumstances I identify with the "glue" of the overall system and my own integrity. In no sense am I naïve about this, but the loss of such often unspoken and unwritten formalities and proprieties is what will ultimately crash our economic system entirely. In a very small way perhaps you're contributing to that demise.
RJM
RJM   |     |   Comment #120
I get where you are coming from. But my 3-4 cent transactions are not going to crash our economic system. I'm not sure that will happen in my lifetime. We might have stock market crashes or recessions or whatever.

Speaking of "gaming" things, I drive past 3-4 abandoned houses every day. And there are at least a half dozen more that will be foreclosed on soon. Parasites are so adept at gaming the system that they are trashing neighborhoods. Where I live, what was a middle class neighborhood is quickly becoming a minority paradise. These people throw trash everywhere. A stop sign recently had something about Snitches get Stitches written on it. (Before I covered it)

And taxpayers are footing the bill. https://www.bloomberg.com/news/features/2018-05-24/small-time-bankers-make-millions-peddling-mortgages-to-the-poor

I think people move in with nothing down and then pay very little for years before foreclosure and then after foreclosure, all too often, the houses sit for 1-2+ years rather than quickly be sold. So you have years of abandonment with nobody cutting the grass.

I am realizing that I just can't stay here more than 5-6 more years even though the house itself is plenty for me. A better neighborhood is going to cost me 2.5-3 times as much though.

I knew it would get worse, I just expected it to be slower and I had no idea that so many irresponsible people would be able to finance houses even after the crisis.

I will probably open my 2nd heritage acct within a week. I maxed out Northern and while I opened a 2nd account, I would not be insured on any overage so I am not keeping much in there.
111
111   |     |   Comment #121
I dunno - the "real" value of the Heritage account is now down to $22.29/month. Meaning - you can make 2.26% at Northern Bank with no nickle-and-dime transactions required. 3.33% minus 2.26% = 1.07%. The max. at Heritage is $25K. $25K times 1.07% is $267.50, divided by 12 is $22.29. Is this worth doing the monthly transactions any more?
RJM
RJM   |     |   Comment #123
10 transactions and an ACH can easily be done in 10 minutes. So, $133+ an hour.
Id have to say yes. 10 minutes is worth $22.29. I never made that much when I worked.

But it does make me wonder about my lower value RCAs.
gregk
gregk   |     |   Comment #125
Yes, for me worth doing. But at the very least Northern's MMA renders pointless (or did before the rate decline) maintaining any 2.25% or below RCA's, which is (among the "plain vanilla" type without excessive requirements) almost all of them, - at least for the hustler class of DA members seeking only to park substantial amounts of liquid funds at the highest rate possible. But probably most of these lower yield RCA's make their appeal to local, "low balance" customers or members who appreciate earning a nice return on their everyday checking account funds which typically in most cases earn nothing at all.
KevinM
KevinM   |     |   Comment #126
Does anyone have recent verification in writing that they waive the requirements to earn the 3.33% the first month? Can anyone verify it from experience?

I assume the waiver is for the first calendar month the account is opened, so I would want to wait until 8/1 or maybe a couple of days before to open the account, so as not to waste the waiver on the last few days of July. Correct?

How many days from when the online application is submitted to when the account is officially open, with respect to the first-month waiver?

If they do waive the first month requirements, my approach would be to keep $15K in my existing LMCU RCA to earn the 3% there, and put $25K into Heritage from another account. Then after the first month, I'd empty the LMCU account, as I don't want to hassle with 20 small purchases per month.

Between my existing LMCU RCA at 3% for $15K, and a savings account at 2.50% for the additional $10K (to equal the $25K cap at Heritage), my blended rate is 2.80%, with basically same monthly requirements. So I would earn $132.50/year or $11.04/month more at Heritage. No additional monthly requirements, so the downside is just the hassle of opening another account. Since we don't know how long the rate and balance cap will last, I'm on the fence.
RJM
RJM   |     |   Comment #127
I don't have anything in writing but someone I spoke with was positive the first month was waived. (This was after someone else said there was no waiver) I tend to believe there is because I have never heard of a RCA that did not have a first month waiver.

Can't recall how many days it took to get going but it was not an extended period of time.

I am still pondering opening a 2nd account and then stop using LMCU too. (Unless they raise their rate)

I currently use 3 RCAs, A local CU, Heritage and LMCU and LMCU is the worst deal. But, I have been with them the longest.
RJM
RJM   |     |   Comment #128
The more I think about this, I should probably close the 2 smaller RCAs and not bother with another Heritage. Just because a 5 year CD pays as much and liquidity on $15-25k is not that big of a deal to me.

Anyway, RCAs lose their attractiveness in a rising rate environment.

Where do you get 2.5% in a savings? Best I have is 2.26%.
Lily
Lily   |     |   Comment #129
Actually I've been pondering about this recently. I know Penfed is offering 3% on 36 month CD and Quroum is 3% on 30 month CD right now. So is it worth it to chase those RCAs with seems like endless debit card usuages? Sometimes i wish to dump those RCAs all together (total 8) and lock the cash in 5 yr cds for good.
RJM
RJM   |     |   Comment #130
The risk in buying the longer term CDs is rates rise and we end up regretting the CD.
In my area, one bank has a 3.55% 5 year and that is something I am considering just because its .25% over a brokered 5 year.

I am getting tired of these short term CDs because every year it's more work to put the money back to work. (In the latest case, 9 months)

Its safe to say that RCAs are not going to increase with the fed.
KM89
KM89   |     |   Comment #131
I doubt there would be any more rate increases for this year if the president gets his way based on his recent comments
RJM
RJM   |     |   Comment #132
Trump does not run the fed.
This is from July 10.... And it makes me think at least one hike before year end is a very high certainty.
Fed funds futures' probabilities of future rate hikes by:
Sep 2018 - up by at least 25 bps: 86.8% up from 77.4% last week
Dec 2018 - up by at least 50 bps: 58.1% up from 48.5% last week
QCP
QCP   |     |   Comment #133
I just opened my account last week. For what it's worth, I'm seeing the 3.28% rate already, although I have yet to fund it.

Trying to figure out if I should fund it already or wait until the debit card arrives...
gregk
gregk   |     |   Comment #134
Yes, there's a first month waiver.
KevinM
KevinM   |     |   Comment #137
Yes, I have seen many people post that they've been *told* that there is a first month waiver (while others have posted that many reps have said that there is not), but are you saying that *you* personally didn't meet the requirements the first month, and you earned the 3.33%? Or have you received something in writing about the waiver? Those are the two questions I asked, and I haven't yet seen an answer.
gregk
gregk   |     |   Comment #138
Yes, on 2 Heritage accounts I didn't meet the requirements the first month but received the 3.28% interest rate. Like bank customer service reps everywhere
Heritage reps don't know their bank's own policies.
KevinM
KevinM   |     |   Comment #139
Thanks gregk! That's the confirmation I was looking for.

Kevin
RJM
RJM   |     |   Comment #141
I am going back & forth over opening a 2nd account and then stop using my LMCU and another local CU that pay just 3%. HOWEVER, with rates expected to rise again in the coming months, I just might not bother at all. And as soon as I open a CD at over 3%, I will probably stop using the two 3% RCAs.

Heritage will be viable for at least 6 months probably.
gregk
gregk   |     |   Comment #143
RJM - you'd open a 2nd account just to earn an additional .25% on $25,000 (about $5 a month)? My counsel is don't bother.
RJM
RJM   |     |   Comment #144
The other accounts pay less and have lower limits for the same amount of work.
$15k versus $25k and 3.33% versus 3.00-3.05.
gregk
gregk   |     |   Comment #142
KevinM - the way you can confirm this while your waiver month is in progress is to observe the accumulating interest in the account detail. Typically this is calculated at .005% (something like that) until requirements are met, at which time the numbers are adjusted to reflect the "rewards" rate, - but during one's initial month the interest accumulation reflects the higher rate right from the beginning, despite requirements not having been accomplished.
QCP
QCP   |     |   Comment #135
Couldn't get Mint or Personal Capital linked to this account. Anyone else have the same issue?
RJM
RJM   |     |   Comment #136
Mine is linked at Mint. Don't recall any ongoing issue.


$25,000.00eCENTIVE
an hour ago Heritage Bank, NA (MN)
QCP
QCP   |     |   Comment #140
Was able to get mint connected with a cache clear. Thanks for the heads up! PC still had issues.
Updated Review of Heritage Bank's Reward Checking Account

It has been almost 3 years since I first reported on the reward checking account at Heritage Bank, N.A.. It's now called the eCentive Account, and the account continues to be available nationwide. The rates were always a little low compared to other reward checking accounts, but its current rate is more competitive today especially when compared to other nationally available reward checking accounts from banks. Below are the rates and features if certain monthly requirements are met (as of 6/27/2012):

  • 1.71% APY on balances up to $25,000
  • 0.10% APY on portion...
Continue Reading
2.14% Reward Checking Account With No Balance Cap at Heritage Bank in MN - Nationally Available
Update 7/18/09: The top rate has fallen to 2.14% APY. Refer to the bottom of the post for the rate history.

Heritage Bank is offering a reward checking account with a rate that's low for reward checking, but it has the advantage that all balances can qualify for the top rate. If certain monthly requirements are met, the following rate and features apply:
  • 2.14% APY on all balances
  • 0.10% base rate if monthly requirements are not met
  • Refunds of ATM fees nationwide up to $25 per month
The monthly requirements include:
  • 10 check card purchases
  • one direct...




Continue Reading
Heritage Bank's New Online Savings Account - 4.60%
Update 5/22/09: The savings account rate is now 1.50% APY.

Heritage Bank is another bank getting into the high yield online savings account. The bank's new Heritage Direct Savings Account has a 4.60% APY. It requires a $1K minimum opening balance. The balance must remain above $1K to obtain the APY and to avoid a $10 monthly fee.

This savings account has the same features as the typical online savings account. It must be opened online, and it links to your existing checking account. Like EmigrantDirect or ING Direct, it doesn't offer...



Continue Reading
Heritage Direct Online Savings Account Now 5.20%
Heritage Bank Online increased the rate on its savings account from 5.06% to 5.20% APY. The last rate hike was about two months ago. Since I first reported on this online savings account in April, the rates have remained competitive.

The main problem with this online savings account is that if your balance falls below $1K, there's a $10 monthly fee and you earn no interest. Also, there's no ATM or check writing. So it really doesn't have much advantage over Emigrant Direct. It's going to have to offer much higher...

Continue Reading
Heritage Direct Savings Account Now 5.06%
Heritage Bank Online increased the rate on its savings account from 4.88% to 5.06% APY today. I first reported on this bank on April 2nd. During that time, it has kept its rates very competitive. As I mentioned in that post, this online savings account looks very similar to that of EmigrantDirect or HSBC except that it has a $1K minimum to avoid a $10 monthly fee. Due to that minimum and fee, it's not worth an extra few basis points. However, it's nice to see that Heritage Bank intends...
Continue Reading

More Past Offers



The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact feedback@depositaccounts.com to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.