Heritage Bank

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Recent Federal Regulatory changes that affect new ATM and Debit card overdraft transactions will become effective on July 1, 2010. This regulatory change does not affect existing cardholders until August 15th. In order to continue the overdraft flexibility that your ATM and Debit cards currently provide, you must “Opt-In”. For your convenience we are offering several methods by which you can “opt-in”. You may choose to “opt-in” by clicking on the secure link below and completing and submitting the form. You may also “opt-in” by completing and submitting the notification letter that we will send to you, via phone or in person at any of our local offices. In order to help you better understand these changes a letter will be mailed to our deposit customers on or about June 15th. If, however, you would like immediate assistance and further details about these changes, please feel free to contact any Heritage Bank branch office.

The standard FDIC insurance amount has been raised permanently to $250,000. per depositor.
HERITAGE BANK is participating in the FDIC'S TRANSACTION ACCOUNT GUARANTEE PROGRAM. Under that program, through DECEMBER 31, 2010, all transaction accounts earning 0.25% or less are fully guaranteed by the FDIC for the ENTIRE AMOUNT in the account. Effective January 1, 2011 this fully guaranteed amount will only apply to non-interest bearing transaction accounts. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.

Heritage Bank is in the people business.
We clearly recognize our asset base is our customers. We pledge to you first rate service, rapid turn around on requests, attentive personnel to handle your requirements, and the golden rule that you will be treated in the same fashion we would expect if we were on your side of the counter or desk. We have offices in Boone, Kenton, Campbell and Grant counties to serve you. On behalf of all of us in the Heritage Bank Family, I extend to you a sincere welcome. Arnold E. Caddell - Chairman

You can easily access this 24 hour banking service through Heritage Bank's On-line Banking. It's the most covenient way to pay bills today and you are in control of the payment. You schedule the date each payment is deducted from your Heritage Bank checking account.

Why spend time handwriting checks, addressing envelopes and going to the post office when you can take care of everything at once by paying your bills online? Take a moment to discover how Online BillPay can make the hassle of paying bills disappear with a click! Try the demo feature of BillPay within Internet Banking for additional details or visit one of our eight convenient offices.

Promotional Rate .... 13 Month Certificate of Deposit - 1.15% Annual Percentage Yield Promotional Rate .... 25 Month Certificate of Deposit - 1.65% Annual Percentage Yield