BEST CHECKING ACCOUNT

Rated #1 on Bankrate.com for Best Checking Account (September, 2022).

Best-checking-account

Physician eCentive Checking Account

– Earn our Highest Interest Rate on Qualifying Balances up to $100,0002
– Automatic Refunds on ATM fees, up to $25 per month3
– No Minimum Balance Requirements
– Free Digital Banking, Mobile Deposit, ePay, Debit Card, Online Bill Pay and more
– Every account holder gets a dedicated private banker available after hours at no additional charge
Physician Bank is a division of Heritage Bank NA.

1APY = Annual Percentage Yield. Fees may reduce earnings. Interest rate is variable and may change after the account is opened. Effective since November 1, 2022.

2When the Physician eCentive® Account qualifications are met, balances up to $100,000 will earn that qualification rate for the entire statement cycle. Balances of $100,000.00 and above will receive that qualification rate for the entire month. If applicable, sales tax will be applied to service charges for accounts opened in Iowa.

3When the Physician eCentive® Account qualifications are met.

Highest Yielding Checking Account

3 EASY eCENTIVE®QUALIFICATIONS*
  • Total monthly debit card purchases posted to your account equaling a minimum of $2,000**
  • Have at least one direct deposit or automatic payment (ACH) each month
  • Enroll and receive monthly eStatements
MONTHLY eCENTIVE® INCENTIVES
  • Earn our highest yielding checking interest rate*
  • Automatic ATM refunds up to $25 dollars – (Refunds for domestic ATM fees charged by other ATM owners and MasterCard cross border/currency conversion fees for debit card foreign transactions)
Physician Bank is a division of Heritage Bank NA.
*When the Physician eCentive® Account qualifications are met, balances up to $100,000 will earn that qualification rate for the entire statement cycle. Balances of $100,000.01 and above will receive that qualification rate for the entire month. If applicable, sales tax will be applied to service charges for accounts opened in Iowa.
**Please note that ATM transactions do not count toward the debit card purchase requirement.

eCENTIVE® ACCOUNT FEATURES

  • No minimum balance
  • $100 minimum to open account
  • Monthly eStatements required – Must have valid email address to enroll ($4 per month if you fail to enroll and paper statements are sent to you through U.S. Mail)
  • Our Best Checking Account includes a Debit card

ADDITIONAL FEATURES AND REQUIREMENTS

  • Primary account-holders (based on social security numbers) are limited to two (2) eCentive® Accounts at Physician Bank
  • Overdrafts & NSF: $33 per item (Physician Bank is a division of Heritage Bank NA)
  • Free Digital Banking, Mobile Deposit, ePay, Online Bill Pay and more!
  • Transfer money electronically to or from your account – anytime, online
  • $30 fee if the account is closed within 6 months of opening
  • Interest rate is variable and may change after the account is opened
Physician Bank is a division of Heritage Bank NA.

Learn how a Ready Reserve Line of Credit can protect your account from overdrafts. It will also simplify small and short term loans. For the best checking account around, choose the eCentive account and let your money work harder.

Accessibility Toolbar

Send us a message

Select an appointment type below.

To begin your Personal Loan application, please enter your contact information below. You will then be directed to the BHG website to continue your application. We look forward to serving you soon.

Attention

You are leaving the Physician Bank web site and going to an external website. This link is being provided to you as a courtesy of Physician Bank, a division of Heritage Bank NA. Physician Bank is not endorsing or guaranteeing the products, information, or recommendations by linked sites. It is important that you understand our Privacy Policy does not apply to any third-party sites; therefore, we encourage you to read the security/privacy information for each site you visit. Would you like to continue?

5-month cd special