Heritage Bank

Headquarters: Wood River, Nebraska
Charter: Bank
Assets: $611.6M
Fed district: Kansas City

5 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 2, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Compared at $6, the middle of its prices
Heritage Bank: $0 to $10
Heritage Bank: $0 to $10
U.S. median: no median
NSF / Returned Item
Heritage Bank: $30
Heritage Bank: $30
U.S. median: no median
Non-Network ATM
Compared at $2, the middle of its prices
Heritage Bank: $2 to $3
Heritage Bank: $2 to $3
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Nebraska, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Nebraska: Banks and credit unions headquartered in Nebraska that publish the fee.
Kansas City district: Banks and credit unions headquartered in the Kansas City Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Heritage Bank’s own schedules, with a source for each figure.

Account Maintenance

Heritage Checking Monthly Service Charges$6
per month · None, or $6.00 if balance falls below $1000 minimum daily balance
Monthly Service Charge$10
per month
Monthly Service Charges (audience not stated, treated as personal)No charge
per month

Overdraft & NSF

Returned Item Fee$30
per item
Continuous Overdraft Charge$30

ATM & Card

ATM Access: Free at all Heritage Bank ATMs$3
ATM Fees and Access (other locations)$2
per transaction
ATM Fees and Access: Free at all Heritage Bank ATMs$2

Digital & Electronic

Bill PayNo charge
Bill Pay (audience not stated, treated as personal)No charge

Fee	Amount	Basis	Note
Account Maintenance
Heritage Checking Monthly Service Charges	$6	per month	None, or $6.00 if balance falls below $1000 minimum daily balance
Monthly Service Charge	$10	per month	None
Monthly Service Charges (audience not stated, treated as personal)	No charge	per month	None
Overdraft & NSF
Returned Item Fee	$30	per item	None
Continuous Overdraft Charge	$30	Not stated	None
ATM & Card
ATM Access: Free at all Heritage Bank ATMs	$3	Not stated	None
ATM Fees and Access (other locations)	$2	per transaction	None
ATM Fees and Access: Free at all Heritage Bank ATMs	$2	Not stated	None
Digital & Electronic
Bill Pay	No charge	Not stated	None
Bill Pay (audience not stated, treated as personal)	No charge	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Nov 2, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

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