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Building a savings account can be hard. At Heritage, we have an easy solution — Neighbor Rewards Savings, an account with huge advantages. Neighbor Rewards Saving is linked to your Neighbor Rewards Checking account. Set up automatic deposits to take advantage of the high interest and grow.

  • An account that builds your savings effortlessly
  • Links to free Neighbor Rewards Checking
  • 0.75% APY* on balances up to $100,000
  • 0.75% to 0.45% APY on balances over $100,000 depending on balance in account*
  • No monthly maintenance fee
  • No minimum balance to earn rewards
  • Free online banking
  • Free e-statements
  • Free mobile banking
  • $100 minimum deposit to open
  • 6 free withdrawals/transfers per month**; $1 each thereafter


Qualifying for your Neighbor Rewards Checking automatically qualifies you for the highest Neighbor Rewards Savings rate.

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.