Malicious malware and scammers are constantly finding different ways to reach their targets. Whether it is via text scams (Smishing) or voice phone calls (Vishing), it is wise to educate yourself and be smart about what actions you take. As always, the first line of defense against cyber attacks is the user. SMS or Text…
You can now freeze or unfreeze your credit for free, thanks to a new federal law that went into effect on September 21, 2018. Although the ability to freeze your credit was already free in some states, it is now available in all states across the nation. “If you have been subject to any level of identity…
Our Customer Service team can answer all your questions about the eCentive Account! Here are answers to some frequently asked questions to get you started! Q: DO I HAVE TO LIVE IN THE UNITED STATES TO OPEN AN ECENTIVE ACCOUNT?|| A: At this time, we can open accounts for U.S. Citizens and Resident Aliens. We are not…
Here are some helpful answers compiled by our Jumbo Deposit Account specialists. We invite you to consider this great interest-bearing account with flexible options to ensure even your largest deposits can be fully FDIC insured. Q: DOES THE JUMBO DEPOSIT REQUIRE A MINIMUM BALANCE?|| A: There is no minimum balance requirement, but larger deposits earn higher interest…
When I talk with farmers, I always ask them about their goals. It may be what their goal is for a specific project they are working on. Sometimes, we discuss “big picture”-type goals for the farm as a whole. No matter what type of farm you have or what stage you or your farm are…
Please pay close attention to this notice if you have a loan at Heritage Bank NA with an Escrow Account….. Our loans with escrow accounts are analyzed once per year to make sure we have sufficient funds to pay taxes and insurance throughout the year. This affects customer payments starting with the July mortgage payment. …
For the past two years the U.S. House and Senate have been holding hearings and listening sessions on the next Farm Bill. The current Farm Bill, which was enacted in 2014, and governs USDA programs from 2014-2018, expires on September 30, 2018. Release of specific Farm Bill proposals by Congress have been quite slow, leaving…
Normally by mid-April, midwest farmers have either begun spring fieldwork, or are within days of the beginning of the planting season for the year. However, 2018 seems to be the “Winter that never ends,” as another major snowstorm hit Minnesota and surrounding States this past weekend. Temperatures have been extremely cold during the first half…
First-time home buyers are both excited and nervous! There’s so much to learn, steps to take, research to do and then the big decision! It starts with the preparation and budgeting. Figuring out how to make the transition, when, where and what price point should be looked at. It can be overwhelming. The first step…
As people start heading off to vacations in different places, there are a few things everyone should remember when it comes to keeping your spending money safe on vacation. Click “Manage Cards” on our Digital Banking and that provides the ability to turn your debit card off and on and actively manage your usage by…
It’s cold outside, winter is here, we’ve wrapped up the Holidays and less people are out and about. Yes, this is all true because we live in the midwest! So how do the winter months affect the housing market and what does that mean for you as a buyer? Have you ever heard this said,…
Mobile Purchasing Heritage Bank and Elan provide credit card users the latest in digital technology. Elan now offers cardmembers the ability to make secure mobile payments* with a compatible Apple®, Android®, or Samsung® phone, tablet, or watch without ever opening their wallet. Mobile Payment Technology Streamline Check Out With Mobile purchasing, at check out, cardmembers…
Tax season is approaching and we need to send out your tax documents. To help ensure secure delivery of your personal data, please be sure to update your address, phone number and email address with Heritage Bank. You can provide that information when you log into Online Banking or contact one of our customer service…
Through the years BauerFinancial has earned the reputation of “the nation’s bank rating service”. If all banks and credit unions have federal deposit insurance what difference does it make what the rating is? Consumers (and businesses) that exceed the deposit insurance limit could lose some of their money in a bank failure; it is surprisingly…
I’ve been hearing about the Equifax breach in the news. What happened? Equifax, one of the three major credit bureaus, experienced a massive data breach. The hackers accessed people’s names, Social Security numbers, birth dates, addresses and, in some instances, driver’s license numbers. They also stole credit card numbers for about 209,000 people and dispute…
Credit Professionals like Travis Jones must keep in tune with ever-changing credit environment [SPICER, MN] – Heritage Bank is proud to announce that Travis Jones, CRC, passed the Credit Risk Certification test through the Risk Management Association. The exam covered seven broad areas of credit risk assessment. This new knowledge allows Travis to work on…
Experience and proficiency will fuel the growth of Heritage Bank’s Rural Iowa Ag Team [Holstein, IA] – Heritage Bank N.A. welcomes Tony Gordon, a lender with a strong history in the ag industry. Gordon joins our team as an Ag Relationship Manager in our rural Iowa market. Mr. Gordon’s portfolio includes farm clients in the…
New Business Banker a critical piece in our expansion Heritage Bank N.A. is excited to announce the hiring of Brian Zech as a Business Relationship Manager in Sioux City. “Brian is well-suited for the Sioux City market as he specializes in commercial real estate and has worked with all aspects of operating and equipment loans,” Market…
REEMTSMA BELIEVES GREAT RELATIONSHIPS DRIVE GREAT SUCCESS With over a decade of banking experience, Reemtsma touts relationships as key component [SIBLEY, IA] – Heritage Bank N.A. is proud to announce Mike Reemtsma, a skilled banking professional with a strong focus in agribusiness, has a new office in Sibley, IA. Mr. Reemtsma is an Ag Relationship Manager with…
The addition of a new Business Banker is a critical piece in the expansion of our service area Heritage Bank N.A. is excited to announce the hiring of Marilee Martin Jager as a Business Relationship Manager. Ms. Martin Jager complements the team, bringing more than 12 years of banking experience from various sized markets. “Marilee’s…
