2014 high-yield checking: Heritage Bank

Checking » High-Yield Checking » Survey » Heritage Bank

Heritage Bank in Spicer, Minnesota, offers a below-average annual percentage yield on its eCentive Account, with a high balance cap of $25,000. Bankrate's 2014 High-Yield Checking Survey breaks down the returns you can get with each account and the hoops you'll have to jump through to get them.

Heritage Bank

Location: Spicer, MN

Nationally offered?APYAPY if conditions not metMonthly debit transactions requiredBill pay or automatic withdrawal required?Direct deposit required?Balance cap
Nationally offered? YAPY: 1.26%APY if conditions not met: 0.05%Monthly debit transactions required: 10Bill pay or automatic withdrawal required? Y*Direct deposit required? Y*Balance cap: $25,000


  • eCentive Account: Available nationally.
  • Either one direct deposit or automatic payment per month required; must receive e-statements.
  • ATM fees reimbursed up to $25 per month.
  • Balance above $25,000 earns 0.10%.

*See notes section for more details. canvassed banks, thrifts and credit unions March 10-13 and reports data on 56 high-yield checking accounts offered by 54 institutions.



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