BEST CHECKING ACCOUNT

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

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.

RATES

SECURITY

CONVENIENCE

RATES

SECURITY

CONVENIENCE

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.

The 100% financing option while we started our first post-residency job, their rapid and efficient response rate to our questions and our numerous changes in schedule that occurred with our builder, and the absence of PMI were all extremely helpful.

Dr. David Ogden, UT

The entire team was easy to work with & made our loan a seamless process for buying a home. Being able to avoid PMI is an awesome benefit.

Dr. Sayer Mansfield, TX

The Physician home loan was exactly what we needed and our lending specialists, Chris, made buying our home easy and enjoyable.

Dr. Moe Reno, NV

Being able to have a 0% down payment was convenient and made it feasible to buy property right out of school. The Physician Bank team was super easy to work with and responsive to our needs either via text, call or email!

Dr. Catibog Roseville, MN

Kept us informed all throughout the process and was very patient with our questions. We cannot recommend this institution and Julie Velline enough. Thank you!

Dr. Radu Minot, ND

See All Reviews | Submit a Review

Physician Bank

140 North Phillips Avenue #101A, Sioux Falls

4.9 61 reviews

Kazvin Marfatia ★★★★★ 2 months ago
My fiancé and I are so grateful we got to work with Julie! As first time home buyers, the home buying process can be daunting but we honestly could not have had a better experience. Julie is available night and day to address any of our … More concerns and her responses are always very prompt. We valued how organized she is and would recommend her expertise to anyone. Thank you Julie!!! Looking forward to working with you again in the future :)
Kirbi Sullivan ★★★★★ 4 months ago
Matt was the best! Wonderful to work with and made the process so easy. Very responsive and easy to get ahold of 24/7. Great option for first time home buyers and young physicians in residency. My husband looked at several options for mortgages … More and the Physician Bank team was by far the best. Juanita was also wonderful and very helpful! Will definitely be recommending to other physicians looking to buy.
Cristina Toledo-Cornell ★★★★★ 4 months ago
I worked with Teresa DeWolf anf her awesome team and I could not be happier with their professionalism, engagement, efficiency and overral stellar costumer service. I have now referred her and her team at Physicians bank to other colleagues … More and family. She gave ne a great rate and I am a seasoned Buyer (4th home). The process is seameless and the app super user friendly. I could not have asked for a more seameless experience on getting a loan! Thank you!! Picture of my new home bellow!
Trinh To ★★★★★ a week ago
We had the utmost pleasure to work with Julie Velline. She is amazing!!! She helped us close the house in 4 days!! She honestly did God's work and made our dream come true. We were with another lender for 2.5 weeks and were not satisfied … More with their service. The previous lender clearly did not specialized in physician loans like we thought they do. Otherwise, they wouldn't have made the process more complicated than what it really is. It was the constant back and forth and none of our goals were being met. You would think there'll be minimal issues when you have 1 pharmacist and 1 medical physician in the household with 2 incomes. We had major headaches with the previous lender before we finally gave up on them and decided to be brave to reach out to a new lender during the buying process!! I called 1-2 other lenders and they all gave me the realistic answer of "No, we need at least 3-4 weeks to gather all the paperwork and process the loan". It was understandable considering we were with another lender for literally 2.5 weeks yet no loan was officially closed. I finally reached out to Julie for one final effort… and it was on Labor Day, 9/4! I did not anticipate any response due to the holiday and clearly all the banks would be closed. However, Julie responded!! She said they were closed for the holiday but she was willing to look over our documentation. I asked her if she can realistically help us close the loan on our closing date & she said "I don't see why not??". I was nearly in shock. My boyfriend and I sent over all the required documents. Julie and her processor literally worked around the clock for 2-3 days straight, I tell you! She was super responsive to her emails and worked like no other. She made sure to take care of us and to meet our goal of closing the house on 9/13/23. Honestly wow. Everyone we encountered during this buying process was nice and enjoyable to work with. They clearly know what they're doing and clearly have worked with other physicians and healthcare professionals before. They know how doctors live their life and their typical situations. They didn't have much questions regarding our background and finances. A+++ for Physician Bank and Julie! We are truly thankful for you.
Benjamin Moreno ★★★★★ 2 months ago
This summer my wife and I purchased our first home and had the opportunity to work with Jeff Asche. Jeff was very responsive and punctual when it came to addressing any concerns, and his experience of the entire process was evident throughout. … More Most importantly, Jeff helped my wife and I accomplish our biggest objective out of the entire process. With his help, we managed to time our purchase perfectly with the end of our lease. I could not have imagined a smoother transaction without Jeff!
Fernando Zayas Bazan ★★★★★ 3 months ago
Physician Bank helped me secure a home loan at a great interest rate. We just closed June 12th 2023! Thank you Ryan and Physician Bank for making this sooo smooth!

Average response time <10 minutes

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BEST CHECKING ACCOUNT

Physician eCentive Checking Account

Highest Yielding Checking Account

eCENTIVE® ACCOUNT FEATURES

ADDITIONAL FEATURES AND REQUIREMENTS

Physician Bank

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