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Online Banking
Online Banking
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Real Neighbors, Real Rewards

Banking should feel rewarding, and at Heritage Bank of the Ozarks, we’ve made it simple. With Neighbor Rewards Checking, you’ll earn up to 5.00% APY on balances up to $10,000 when you meet qualifications.1 It’s more than a checking account; it’s a way to invest in yourself and the local community. 

Plus, pair it with a Neighbor Rewards Savings account to effortlessly grow your savings.

  • Earn rewards when you meet qualifications:
    • 5.00% APY on balances up to $10,0001
    • Nationwide foreign ATM refunds, up to $25 per monthly cycle 
  • Link to a Neighbor Rewards Savings account to automatically build savings
  • No minimum balance to earn rewards
  • No monthly maintenance fee
  • Free online banking and bill pay, free mobile banking, and free e-statements
  • Free Visa® debit card upon approval
  • Unlimited check writing
  • $100 minimum deposit to open (no minimum thereafter)
  • FDIC insured

Ready to Join?

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Easy Qualifications2

Getting the most out of your high-yield checking account is easy. Just meet these simple qualifications during each Monthly Statement Cycle, and you'll unlock the benefits:

  • Receive at least 1 direct deposit.
  • Complete at least 1 ACH payment.
  • Make at least 15 debit card purchases.
  • Sign up for and agree to e-statements.
Don't qualify, don't worry.

Your account is still free, earning our base rate. Earn Neighbor Rewards benefits the very next cycle.

Additional Account Features

Online Banking 

Explore the convenience of our online banking platform, designed to meet your evolving financial needs. Experience hassle-free banking on the go, and if you have multiple users requiring account access, we've got you covered. 

Enroll Now

Debit & Credit Cards

It is essential to ensure you have access to your funds whenever and wherever you use them. Our Heritage Bank instant issue debit card makes this a reality. We also have a variety of credit card options to match your lifestyle.

Explore Debit & Credit Cards

Bill Pay

Paying bills may often feel like a chore, but with our Bill Pay feature seamlessly integrated into our online platform, you can effortlessly manage your payments from the comfort of your own home using your preferred service.

Learn More

Person-to-Person Transfer

Need to send money to someone but lack their banking details? Thanks to our "P2P Transfers," all you require is the recipient's name and phone number. With a simple click, a link is dispatched to their phone, allowing them to seamlessly enter their bank account info and complete the transfer process.

Learn More

ATM & Deposits

You don't need to worry if you're too busy to visit the bank for a deposit. Conveniently deposit checks from anywhere using your online banking account from a smartphone or tablet. Or do normal banking hours not fit your schedule? Our Heritage Bank ATM offers 24/7 deposit services.

Learn More

Deposit Insurance

Deposit balances over $250,000 may participate in CDARS/ICS, a product that offers the convenience of one banking relationship. Fees may apply.

Request Info

That’s all it takes.

Start earning up to 5.00% APY on balances up to $10,000 with Neighbor Rewards Checking when you meet qualifications. Banking with benefits has never been easier.
 
Ready to join your Neighbors in smarter, more rewarding banking?
We designed Neighbor Rewards Checking with our Neighbors in mind. We wanted to make managing your money easier, helping you save and enjoy the benefits of being part of our community.
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Lance Boyer
President & CFO
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Neighbor-Approved

For over 20 years, our Neighbors have trusted their Neighbors at Heritage Bank. You can, too.
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Financial Empowerment

We take your local dollars and invest them locally with all local decisions. We listen and help instill financial confidence in our Neighbors.
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Community Focus

We are more than a local bank; we see our customers as Neighbors. Community involvement isn’t just something we do; it’s who we are.

Everything you need in a bank plus we are Neighbors Serving Neighbors.

1 When monthly qualifications are met: You will  receive nationwide foreign ATM fee refunds up to $25 per monthly cycle and 5.00% APY on balances up to and including $10,000. The portion of the daily balance over $10,000 will earn an interest rate of .499%, resulting in an APY of 5.00% to 0.68% APY, depending on the balance. If qualifications are not met: All balances in this account will earn 0.01% APY. The Annual Percentage Yields (APYs) are accurate as of 4/15/25 and are subject to change without notice.

2 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 and settle to the account. ATM-processed transactions do not count toward qualifying debit card transactions. Transfers between accounts do not count as qualifying transactions.

Neighbor Rewards Savings

Pair it with a Neighbor Rewards Savings account to effortlessly grow your savings.
 
Ready to join your Neighbors in smarter, more rewarding banking?