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Explore Bankrate's 2015 High-Yield Checking Survey: Heritage Bank

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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 2015 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?Y
APY %1.26
Default APY %0.05
Monthly debit transactions required10
Bill pay or automatic withdrawal required?Y*
Direct deposit required?Y*
E-statements required?Y
Balance cap$25,000
APY % above cap0.1
Notes:
eCentive Account: Available nationally. Either 1 direct deposit or automatic payment per month is required. Must receive e-statements. ATM fee refund: Up to $25 per month, if requirements are met. Balance above $25,000 yields 0.1%, if requirements are met.

*See notes section for more details.

Bankrate.com canvassed banks, thrifts and credit unions from March 16 to March 25 and has displayed data on 56 high-yield checking accounts.

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Bankrate's 2015 High-Yield Checking Survey You can earn a good return on high-yield checking -- if you can meet the requirements.
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