Learn more about the Heritage Bank eCentive Rewards Checking account here.
Available nationwide, Heritage Bank is offering 1.02% APY on up to $25,000 with their eCentive Rewards Checking account.
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About Heritage Bank eCentive Rewards Checking
Heritage Bank has 13 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.
Note: Interested in Bank Bonuses? See our favorite banks including HSBC Bank, Chase Bank, Huntington Bank, Discover Bank, TD Bank, BBVA Bank or CIT Bank.
Heritage Bank Rewards Checking Rate
The eCentive Rewards Checking by Heritage Bank account earns 1.02% APY on up to $25,000, has no monthly service fee, ATM refunds, and is available nationwide.
- What you’ll get: 1.02% APY up to $25,000
- Eligible Accounts: eCentive Account
- Credit Inquiry: Soft Pull
- Where it’s available: Nationwide
- Opening Deposit: No minimum
- Credit Card Funding: None
- Monthly fee: None
(FDIC Insured)
American Express® High Yield Savings Account - You earn a competitive interest rate along with no minimum deposits or monthly fees. Amex High Yield Savings account has been my favorite Hub account for the past 7 years. Using this account to Pull/Push your money is absolutely necessary when you have many accounts. Here's why: *No dollar limitations for ACH transfers - When you find a top bank rate account, you don't want to be limited to just $5K or $10K transfers. Amex Savings will let you transfers as much as you want whether you are pulling or pushing money from and to an external bank account. *1 to 2 business days ACH transfers speed - With top-notch user interface, you get your money to another external account or pull money from another bank account within a day or two. *No loss of interest during transfers - On the day you initiate your transaction on the high yield savings account website, the funds will be reflected in your Current Balance and begin earning interest. Some other features from American Express® High Yield Savings account include Free Wire Transfers, 3 maximum linked accounts, and maximum 6 ACH withdrawals per month. |
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Savings account offers are frequently updated. Find the best nationwide Savings/Money Market rates here, and the best Savings account bonuses here. The Axos Bank and CIT Bank accounts offer great rates available nationwide which I recommend. |
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| PROMOTIONAL LINK | OFFER | REVIEW |
| Discover Bank Online Savings | $200 Bonus + 0.90% APY | Review |
| Aspiration | $150 Bonus + 1.00% APY | Review |
| Axos Business Savings | $200 Bonus + 0.20% APY | Review |
| UFB Money Market Account | 1.62% APY | Review |
| UFB Savings | 1.62% APY | Review |
| Quontic Bank Money Market | 1.50% APY | Review |
| Quontic Bank High Yield Savings | 1.25% APY | Review |
| American Express® High Yield Savings account | 0.90% APY as of 6/21/22 | Review |
| CIT Bank Money Market | 0.85% APY + Amazon Prime Offer | Review |
| Axos Bank High Yield Savings | Up to 0.61% APY | Review |
How To Earn 1.02% APY Rate
- To get started, open an eCentive Account with at least a $100 opening deposit.
- Next, you will have to make 10 or more debit card payments and/or purchases that will post to your account each month (excluding ATM transactions).
- Additionally, you will have to post at least one direct deposit or automatic payment (ACH) each month.
- Lastly, log-in to online banking once a month and sign-up for E-Statements.
| Balance Requirement | APY Rate |
| $0 – $25,000 | 1.02% APY |
| $25,000.01+ | 0.14% APY |
| If qualifications aren’t met | 0.05% APY |
Account Features
- The eCentive Rewards Checking Account offers Free Mobile and Online Banking.
- Additionally, there is no minimum balance requirement to earn the 1.02% APY.
- Also take advantage of the Free ePay which is an online bill pay platform.
- No monthly service charge
Alternative Rewards Accounts To Consider
 Earn up to 1.25% APY with the Axos Bank Rewards Checking account while enjoying a suite of digital tools for smarter money management. This is banking, redefined. • $100 Promo with Code “RC100” • Up to 1.25% APY • Zero monthly maintenance fees • Zero overdraft or NSF fees • Zero minimum monthly balance reqs • Unlimited domestic ATM fee reimbursements • Zero Minimum Balance Requirement • Only $50 to open an account |
 With the Discover Checking Account: • Cashback – Earn 1% cash back on up to $3,000 in debit card purchases each month • No. Fees. Period. That means you won’t be charged an account fee on our Cashback Debit account. • Early Pay – Get your paycheck up to two days early with no charge • No credit impact - You can apply without affecting your credit score. • Fraud Protection - You’re never responsible for unauthorized debit card purchases. If you suspect someone else has used your debit card without your permission, let us know. • Apply in minutes - Applying for a Cashback Debit account is simple and fast. • Fee free overdraft protection |
Bottom Line
To summarize everything, the eCentive Rewards Checking 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.
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 Rewards 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.
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!
Thanks for letting us know. The info has been updated.