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There's a new way to bank at Heritage. It's our very own Neighbor Rewards Checking — more than simply a free checking account. You earn up to 5.00% APY* and refunds on foreign ATM withdrawal fees, nationwide.* Earn with no minimums — only max benefits. Link your account to a free Neighbor Rewards Savings to make saving effortless.

  • Free checking that pays high interest*
  • 5.00% APY* on balances up to $10,000
  • 5.00% to 0.68% APY on balances over $10,000 depending on balance in account*
  • 0.01% APY* if qualifications aren't met
  • Nationwide foreign ATM refunds, up to $25 per monthly cycle*
  • Link to free Neighbor Rewards Savings to build savings automatically
  • No minimum balance to earn rewards
  • No monthly maintenance fee
  • Free online banking & bill pay
  • Free e-statements
  • Free mobile banking
  • Free Visa® debit card
  • Overdraft protection up to $300
  • Unlimited check writing
  • $100 minimum deposit to open (no minimum thereafter)
  • FDIC insured

Easy Qualifications

Enrollments must be in place and all of the following transactions and activities must post and settle to your Neighbor Rewards Checking account during each Monthly Statement Cycle:

  • At least 1 direct deposit
  • At least 1 ACH payment transaction
  • At least 15 debit card purchases
  • Be enrolled in and agree to receive e-statements

Don't qualify, don't worry.

Your account is still free and you'll earn our base rate. Earn Neighbor rewards benefits the very next cycle.

Do you currently have an account with Heritage Bank of the Ozarks?

*APY=Annual Percentage Yield. APYs accurate as of December 1, 2023. Rates may change after account is opened. Minimum to open is $100 for Neighbor Rewards Checking and $100 for Neighbor Rewards Savings. For Neighbor Rewards Checking, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees charged by Heritage Bank incurred during statement cycle will be reimbursed and credited to account on the last day of the monthly statement cycle; (2) balances up to $10,000 receive APY of 5.00%; and (3) balances over $10,000 earn 0.50% interest rate on the portion of the balance over $10,000, resulting in 5.00% - 0.68% APY depending on the balance. If qualifications are not met on Neighbor Rewards Checking all balances earn 0.01% APY. Qualifying transactions must post to and settle to Neighbor Rewards Checking account during monthly statement cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. The advertised Neighbor Rewards Checking APY is based on compounding interest. Actual interest amount paid may be less than advertised Neighbor Rewards Checking APY. The Neighbor Rewards Savings APYs may be less than Neighbor Rewards Checking APYs. Neighbor Rewards Savings Interest is paid based on: (1) balances up to $100,000 in Neighbor Rewards Savings receive an APY of 0.75%; and (2) balances over $100,000 in Neighbor Rewards Savings earn 0.25% interest rate on portion of balance over $100,000, resulting in 0.75% - 0.45% APY depending on the balance. Transfers between accounts do not count as qualifying transactions. ATM refunds up to $25 per monthly cycle.