Heritage Bank
FDIC Insured • 256-bit Encryption

Banking Built for
Your Legacy

Heritage Bank combines timeless values with modern banking solutions. Build your financial future with a partner you can trust.

FDIC Insured
No hidden fees
Open in minutes

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Trusted Customers

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Secure & Encrypted

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Years Experience

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Customer Rating

Banking Services

Trusted banking products designed for everyday needs and long-term goals.

Checking Accounts

Everyday checking with no hidden fees, instant digital access, and a debit card that works everywhere.

Open Account

Savings Plans

Save smarter with high-yield accounts that help your money grow without minimum balance hurdles.

Start Saving

Mortgages

Competitive mortgage financing with flexible terms and personal support at every step.

Apply Now

Investment Services

Build long-term wealth with clear guidance, diversified portfolios, and transparent investment support.

Invest Now

Auto Loans

Fast auto financing with competitive rates and flexible repayment options for new and used vehicles.

Get Pre-Approved

Business Banking

Simple, scalable business accounts and lending solutions to help your company grow.

Learn More

Why Choose Heritage Bank

Experience banking that puts your needs first

Bank-Level Security

State-of-the-art encryption, multi-factor authentication, and 24/7 fraud monitoring protect your assets.

24/7 Customer Support

Our dedicated support team is available around the clock to assist you with any questions.

Modern Digital Banking

Access your accounts anytime, anywhere with our intuitive mobile and online platform.

Competitive Rates

Industry-leading interest rates on savings and competitive loan rates that save you more.

No Hidden Fees

Transparent pricing with no surprise charges. Simple and honest banking, always.

FDIC Insured

Your deposits are insured up to $250,000 by the Federal Deposit Insurance Corporation.

What Our Customers Say

Real stories from real customers who trust Heritage Bank

"Heritage Bank made buying my first home so easy! Their mortgage team was incredibly helpful and found me the best rate."

Sarah Johnson

Sarah Johnson

Homeowner since 2023

"The mobile app is fantastic! I can do everything from my phone — transfers, bill payments, even deposit checks. So convenient."

Michael Chen

Michael Chen

Customer for 5 years

"As a small business owner, Heritage Bank has been a true partner. Their business banking solutions helped my company grow."

David Williams

David Williams

Business Owner

"I switched from a big national bank and the difference is night and day. Zero-fee checking has saved me hundreds every year."

Amanda Rivera

Amanda Rivera

Customer since 2021

"The savings goals feature changed how I manage money. Watching my progress keeps me motivated — already hit two targets!"

James Okafor

James Okafor

Savings Account Holder

"When my card was compromised, their fraud team caught it instantly and had a new card to me within 24 hours. Incredible response."

Linda Park

Linda Park

Premium Account Member

"Heritage Bank's investment tools helped me build a retirement portfolio I'm actually confident about. Their advisors really listen."

Robert Taylor

Robert Taylor

Retirement Saver

"Opening an account took literally 5 minutes online. No paperwork, no branch visit. I was transferring money within the hour."

Priya Sharma

Priya Sharma

New Customer

"Their customer support is unmatched. I called at 9 PM about a wire transfer issue and a real person helped me resolve it in minutes."

Marcus Green

Marcus Green

Customer for 3 years

"The joint account feature works perfectly for my partner and me. We can both see spending in real time and set shared budgets."

Elena Volkov

Elena Volkov

Joint Account Holder

"I love the bill pay feature. I set it up once and never worry about late payments anymore. Heritage Bank automates my finances beautifully."

Chris Donovan

Chris Donovan

Checking Account Holder

"Heritage Bank's low interest auto loan saved me over $2,000 compared to the dealership's financing. The process was fast and painless."

Derek Foster

Derek Foster

Auto Loan Customer

"As a college student, their zero-minimum savings account was perfect. No hidden fees, and the app makes budgeting super easy."

Jasmine Brooks

Jasmine Brooks

Student Account Holder

"After my divorce, I needed to rebuild financially. Heritage Bank treated me with dignity and helped me open new accounts without judgment."

Karen Mitchell

Karen Mitchell

Customer since 2022

"The mobile check deposit works flawlessly every time. I haven't visited a branch in over a year and I don't need to."

Tony Nguyen

Tony Nguyen

Mobile Banking User

"I run a food truck and Heritage Bank's business checking handles my daily deposits perfectly. The low transaction fees make a real difference."

Carlos Mendez

Carlos Mendez

Small Business Owner

"The two-factor authentication and instant transaction alerts give me total peace of mind. I feel like my money is actually safe here."

Natasha Reid

Natasha Reid

Security-Conscious Saver

"Refinancing my mortgage through Heritage Bank dropped my monthly payment by $340. Their rates are genuinely the best I found anywhere."

William Hayes

William Hayes

Mortgage Refinancer

"Heritage Bank helped my elderly parents set up online banking with a patient walkthrough. They actually care about every customer."

Diana Lawson

Diana Lawson

Family Banking

"International wire transfers used to be a nightmare. Heritage Bank makes sending money to my family abroad simple and affordable."

Ahmed Hassan

Ahmed Hassan

International Customer

"Their CD rates are incredible — 4.75% APY locked in for 12 months. My money is finally working as hard as I do."

Rachel Kim

Rachel Kim

CD Account Holder

"I've recommended Heritage Bank to all my friends. The referral bonuses are nice, but honestly the service alone is worth telling people about."

Brian Cooper

Brian Cooper

Loyal Customer

Today's Featured Rates

Industry-leading rates that help your money work harder

High-Yield Savings
4.25% APY

No minimum balance required

Open Account
Home Mortgage
5.99% APR

30-year fixed rate

Apply Now
Auto Loan
3.49% APR

New vehicles, 60 months

Get Pre-Approved

* Rates effective as of March 2026. Rates subject to change without notice. APY = Annual Percentage Yield. APR = Annual Percentage Rate.

Ready to Start Your Journey?

Open your account in minutes and experience modern banking with Heritage Bank.

Bank Anytime, Anywhere

Download the Heritage Bank app and take control of your finances on the go. Deposit checks, transfer funds, pay bills, and more — all from your phone.

  • Instant mobile check deposit
  • Real-time transaction alerts
  • Biometric login (Face ID & Touch ID)
  • Send money with Zelle®
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Contact Us

We're here to help with all your banking needs

Main Office

123 Financial District
New York, NY 10004

Phone

1-800-HERITAGE
(1-800-437-4824)

Email

support@heritagebank.com
info@heritagebank.com

Business Hours

Mon - Fri: 9AM - 6PM
Sat: 9AM - 1PM

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