Our Story
Heritage Bank was founded in 1999 with a simple mission: to provide honest, reliable banking services that help individuals and families build lasting financial legacies. What started as a single branch in New York City has grown into a trusted institution serving customers across the United States.
For over two decades, we have remained committed to the principles that guided our founding — transparency, integrity, and putting our customers first. We believe that banking should be straightforward, accessible, and designed to help you achieve your financial goals.
As a Member FDIC institution and Equal Housing Lender, Heritage Bank continues to uphold the highest standards of financial safety and regulatory compliance while embracing modern technology to deliver the banking experience our customers deserve.
Our Journey
Heritage Bank Founded
Opened our first branch in New York's Financial District with a team of 12 dedicated bankers.
Expanded Services
Launched our investment advisory and small business lending programs, reaching 10,000 customers.
Digital Banking Launch
Introduced online banking and mobile apps, making banking accessible 24/7 from anywhere.
Community Milestone
Surpassed $1 billion in community loans and launched the Heritage Community Foundation.
Innovation & Growth
Launched contactless payments, mobile check deposit, and virtual debit cards during a pivotal year for digital banking.
25 Years of Trust
Celebrated 25 years of service with over 500,000 active accounts and branches across the country.
Heritage by the Numbers
Our Core Values
Trust & Security
Your deposits are FDIC insured and protected by bank-grade encryption. Your trust is our foundation.
Integrity
We operate with complete transparency — no hidden fees, no surprises. What you see is what you get.
Community
We invest in the communities we serve through local partnerships, financial literacy programs, and charitable giving.
Innovation
We embrace technology to make banking easier, faster, and more accessible for everyone.
Customer First
Every decision we make starts with the question: "How does this benefit our customers?"
Accountability
We hold ourselves to the highest standards of regulatory compliance and ethical banking practices.
Leadership Team
James A. Heritage
Chairman & CEO
Sarah Mitchell
President & COO
Robert Chen
Chief Financial Officer
Patricia Williams
Chief Technology Officer
Get in Touch
Have questions about Heritage Bank? We'd love to hear from you.