Smart Savers
This account was created to accommodate those who save on a regular basis using systematic deposits. It includes a variety of features such as free access to Online Banking, EZPay, E-Statements and Mobile Banking. Of course, you can always check conduct transactions face-to-face with one of our friendly tellers, by telephone using TeleBanc or at any STAR® ATM. Account details are as follows:
- $50 to open
- Must be maintained with automatic transfers (monthly, quarterly, annually, etc.) from an existing Heritage checking account
- Additional deposits may be made in person at any of our branches
- No minimum balance requirement and interest is paid quarterly
- Only two withdrawals may be made each quarter
If you’re not already a Heritage Bank customer – or don’t have all of your accounts at Heritage – consider making the switch today. Download our Switch Kit or stop by any branch to complete a few simple forms.
This is not a complete disclosure of account guidelines and fees. Please see a customer service representative for rates and complete details.

