Heritage Bank

Headquarters: Olympia, Washington
Charter: Bank
Assets: $8.4B
Fed district: San Francisco

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

Source: its fee schedule, read Nov 4, 2026.

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Fees against the market

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

Monthly Maintenance
Ascent Checking $7 · Base Checking $8
Compared at $7.50, the middle of its prices
Heritage Bank: $7 to $8
Heritage Bank: $7 to $8
U.S. median: no median
Overdraft (OD)
Heritage Bank: $34
Heritage Bank: $34
U.S. median: no median
NSF / Returned Item
Heritage Bank: $34
Heritage Bank: $34
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 4, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Washington, the San Francisco 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).
Washington: Banks and credit unions headquartered in Washington that publish the fee.
San Francisco district: Banks and credit unions headquartered in the San Francisco 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

Ascent Checking monthly maintenance fee$7
per month
Base Checking monthly maintenance fee$8
per month
Account closed within 90 days$25
Dormant account fee (monthly)$10
per month
Account research/reconciliation (per hour)$30
Not compared: Charged per hour; comparison unavailable
per hour
Paper statement fee (monthly)$3
per month
Undeliverable mail fee$5

Overdraft & NSF

Insufficient funds/overdraft (each)$34
per item
Insufficient funds/overdraft (each)$34
per item

ATM & Card

ATM/debit card replacement$10

Check Services

Bank check (official/cashier's check) (each)$9
per item
Stop payment$34
Counter checks (per sheet of 4)$2
per item
Collection item - outgoing/incoming$25
Copy of cancelled check (each)$2.50
per item

Cash & Deposit

Debit card cash advance fee Foreign exchange fee$2.50
Returned deposited item$12

Account Services

Garnishment/levies$100

Retirement & IRA

IRA transfer or closure$30

Fee	Amount	Basis	Note
Account Maintenance
Ascent Checking monthly maintenance fee	$7	per month	None
Base Checking monthly maintenance fee	$8	per month	None
Account closed within 90 days	$25	Not stated	None
Dormant account fee (monthly)	$10	per month	None
Account research/reconciliation (per hour)	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Paper statement fee (monthly)	$3	per month	None
Undeliverable mail fee	$5	Not stated	None
Overdraft & NSF
Insufficient funds/overdraft (each)	$34	per item	None
Insufficient funds/overdraft (each)	$34	per item	None
ATM & Card
ATM/debit card replacement	$10	Not stated	None
Check Services
Bank check (official/cashier's check) (each)	$9	per item	None
Stop payment	$34	Not stated	None
Counter checks (per sheet of 4)	$2	per item	None
Collection item - outgoing/incoming	$25	Not stated	None
Copy of cancelled check (each)	$2.50	per item	None
Cash & Deposit
Debit card cash advance fee Foreign exchange fee	$2.50	Not stated	None
Returned deposited item	$12	Not stated	None
Account Services
Garnishment/levies	$100	Not stated	None
Retirement & IRA
IRA transfer or closure	$30	Not stated	None

Correct a fee source

Nov 4, 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.

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