about physician bank


Physician Bank Was Created For Physicians

Physician Bank operates as a division of Heritage Bank NA, an award-winning national bank based in the Midwest. Our committed team of financial experts and advisors kept being faced with the unique financial challenges and nuances that come with pursuing and maintaining a career as a physician. We recognized that we can do more for our physicians, so we set out to build Physician Bank.

We’ll be your partner no matter where you’re at in your physician’s journey – Whether it’s just beginning med school, or running your own practice. We want to serve you so you can do what you do best, care for others..



Physician Bank is a team of bankers and advisors that have decades of experience guiding physicians through their financial journeys. As our customer, you will have access to your personal private banker, proficient advisors, our own in-house credit coach, and more.


At Physician Bank, we understand that every physician’s situation is unique. We offer you solutions that cater to your specific needs on your terms. Our comprehensive services include physician home loans, flexible home loan refinancing options, extended private banking hours, and convenient after-hours access to your dedicated banker. We are committed to providing you with the utmost convenience and flexibility to ensure your financial needs are met efficiently and effectively.


Our interest-bearing Payroll Plus checking account is designed to provide physicians with a highly competitive interest rate, ensuring you receive the best possible return on your deposits. With this account, you get the convenience of Direct Deposit, making managing your finances easier than ever before. Experience the benefits of our Payroll Plus account and unlock new financial flexibility and stability.

New! 4.04% APY* on checking.
*APY = Annual Percentage Yield

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Payroll Plus Checking Account

*APY = Annual Percentage Yield. Fees may reduce earnings. Interest rate is variable and may change after the account is opened. Rate applies to balances between $0.01 and $100,000

To earn 4.04%, you must:

  1. Have at least $5,000 in direct deposit each month from payroll, social security, investment income, or other forms of monthly income.
  2. Have monthly debit card purchases posted to your account equaling a minimum of $500. Please note that ATM transactions do not count toward the debit card purchase requirement.
  3. Enroll and receive monthly eStatements. With eStatements, you must have a valid email address to enroll. $4 per month fee applies if not enrolled in eStatements and paper statements are sent through U.S. Mail.

Payroll Plus Rates effective as of June 1, 2024. Minimum opening deposit of $100.