Learn more about the Heritage Bank eCentive Checking Account here.
Available nationwide, Heritage Bank is offering up to 2.02% APY with their eCentive Checking account.
About Heritage Bank eCentive Checking Account
Heritage Bank has 7 branches spread across Minnesota, Iowa, and South Dakota. However, they are proud to have made their products available nationwide using the internet.
For example, the eCentive Checking account is accessible to using their online banking service or phone application.
Continue reading to find out more about the Heritage Bank eCentive Checking account.
Heritage Bank Rewards Checking Rate
The eCentive Checking Account by Heritage Bank account offers a high, competitive rate, ATM refunds, and is available nationwide.
- What you’ll get: Up to 2.02% APY
- Eligible Account: eCentive Checking Account
- Where it’s available: Nationwide
- Credit Inquiry: None
- Opening Deposit: $100 minimum to open account
- Credit Card Funding: None
- Monthly fee:
- Monthly eStatements required – Must have valid email address to enroll ($4 per month if you fail to enroll and paper statements are sent to you through U.S. Mail)
- Early Termination Fee: $30 fee if the account is closed within 6 months of opening
(FDIC Insured)
How To Earn Rate
- To get started, open an eCentive Checking Account with at least a $100 opening deposit.
- Total monthly debit card purchases posted to your account equaling a minimum of $500
- Have at least one direct deposit or automatic payment (ACH) each month
- Enroll and receive monthly eStatements
| Balance Requirement | APY Rate |
| for qualified balances of $0.01 – $100,000 | 2.02% APY |
| for qualified balances greater than $100,000 | 0.14% APY |
| Base Interest Rate (non-qualifying) | 0.05% APY |
Account Features
- No minimum balance
- $100 minimum to open account
- Monthly eStatements required – Must have valid email address to enroll ($4 per month if you fail to enroll and paper statements are sent to you through U.S. Mail)
- Debit card included
Alternative Rewards Accounts To Consider
 Earn up to 3.30% APY with the Axos Bank Rewards Checking account while enjoying a suite of digital tools for smarter money management. This is banking, redefined. • Use promo code AXOS300 and apply by December 31st, to earn up to a $300 bonus! • Zero monthly maintenance fees • Zero overdraft or NSF fees • Zero minimum monthly balance reqs • Unlimited domestic ATM fee reimbursements • Online debit card management • Simple, 3-step process for direct deposit • Only $50 to open an account |
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Bottom Line
To summarize everything, the account by Heritage has a lot to love. For example, the account balance is relatively high compared to some from our full list of Rewards Checking accounts.
Thus, if you are able to meet the requirements the rate is definitely worthwhile.
Note: Interested in Bank Bonuses? See our other favorite banks favorite banks including HSBC Bank, Chase Bank, Huntington Bank, Discover Bank, TD Bank, or CIT Bank.
Furthermore, if you have experience banking with Heritage Bank we ask that you leave a comment below letting us know about your experience.
Finally, check back to see the latest updates on the Heritage Bank eCentive Checking account.
Excellent Bank! I highly recommend them! I actually have (2) rewards checking accounts with them. Great staff too!3.33% is easy to obtain monthly!
Q: WHEN I OPEN AN ECENTIVE ACCOUNT, DO YOU RUN A “SOFT” PULL OR A “HARD” PULL FOR VERIFICATION PURPOSES?
|| A: We do neither a soft or a hard pull. Heritage Bank does not run a credit report for eCentive Account openings. We only do verification through public record data sources. Consumers who have placed a freeze at the credit bureaus would not need to lift those to proceed with opening an eCentive Account.
The other FAQ on their site is important to add to your info:
Q: WHAT COUNTS TOWARD AN AUTOMATIC WITHDRAWAL OR DEPOSIT FOR THE MONTHLY REQUIREMENT OF AN ECENTIVE ACCOUNT?
|| A: The requirement is an automatic withdrawal or deposit that is initiated by another institution or company. That means that bank to bank transfers and bill pay items that are initiated in Heritage Bank online banking DO NOT count because Heritage Bank is initiating those transactions. Those same items could be initiated from the customers’ online banking at another institution and count toward the requirement. Other examples would be an automatic deposit from an employer or pension plan, or an auto pay for a bill initiated by the payee company. An auto pay needs to be set up using the checking account number (not a debit card) to fulfill this requirement.
Thanks for letting us know. The info has been updated.
Terms state $30 fee if account is closed within 6 months of opening. Hey, as long as that APY stays high, I’ll be happy to keep it open that long! Thanks, Sammy!