Heritage Bank

Bank · Spicer, United States · overall 5.1 / 10

How this 5.1 is built

Average of 6 scored needs: 5.1. Regulation in United States: 87/100 (World Bank governance indicators). Licence confirmed by a regulator's own list. 2 scores backed by filings or its own pages.

Heritage Bank National Association is recorded in the global register as a bank in Spicer, United States. The register shows its licence as licensed. Total assets 0.36 bn USD at 2026-06-30. It reports 5 offices. Established 1964. Collected from open registers.

On its own website: “We Help People Succeed Financially! Easy-to-Use Digital Banking where ever you are. Great Rates, Talk with a banker today. 320-235-5720”

Legal name: Heritage Bank National Association
Licence confirmed: yes, on a regulator's own list
Established: 1964
Website: www.heritagebankna.com/

Scores, 0 to 10

6.5Financial strength & stability

· source

6.0United States

Licensed and operating in its home country per the register entry; the depth of its offer here has not been checked yet. · source

5.5Cross-border payments, FX and multi-currency accounts

Holds a banking licence, so it can hold deposits and run payments; the actual terms have not been checked yet. · source

5.0Best interest on business balances

Holds a banking licence, so it can hold deposits and run payments; the actual terms have not been checked yet. · source

5.0Trade, manufacturing & import-export

Holds a banking licence, so it can hold deposits and run payments; the actual terms have not been checked yet. · source

4.5Fast digital onboarding

Holds a banking licence, so it can hold deposits and run payments; the actual terms have not been checked yet. · source

4.0Lowest fees

The bank's own page names the monthly account charge. Transfer and card prices were not read on that page, so this score speaks only for the monthly charge. It reads: “$17 monthly service charge if account falls below $1,000 (daily minimum ledger balance); fees could reduce earnings.” · source

Sources

Built on public information and the BankStore team's own aggregated experience; no confidential client or partner data. Bank Index and BankStore are not banks. This is information, not financial advice.