- 95% financing1
- 90 day locks2
- No PMI
- High DTI up to 50%
- Single Family Units
- Townhomes & Condos
- 100% financing1
- No PMI
- High DTI up to 50%
Physician Bank offers a suite of financial products and services for physicians including personal loans, private banking and deposit accounts.
Even if you don’t qualify monthly, it’s still an interest-bearing checking account with no minimum balance and no monthly service charge!
*Please note that ATM transactions do not count toward the debit card purchase requirement.
**When the Physician eCentive® Elite 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.
Qualifying balances $0.01 – $100,0001 | 1.52% APY2 (Interest Rate: 1.01%) |
Qualifying balances $100,000.01 and greater1 | 0.14% APY2 |
Base Interest Rate (non-qualifying) | 0.05% APY2 |
1 Must meet monthly requirements to receive qualifying interest rates. Once you meet the monthly qualifications, interest will be recalculated at the appropriate interest rate and eligible fees will be refunded.
2 APY = annual percentage yield. Fees may reduce earnings. Interest rate may change after the account is opened.
Our Jumbo Deposit Account is an interest bearing account with flexible options to ensure deposits up to $4 million can be fully FDIC insured.
Deposits insured by the FDIC to the maximum allowed by law:
Minimum Opening Deposit: $1,000.00
Minimum Balance: $0.01
Interest: Compounded and credited monthly
This is an all-electronic account that must be managed online. No checks or debit cards are available with this account. No maturity date; no early withdrawal penalty.
1The annual percentage yield (APY) is accurate as of 9/01/2022. The interest rate is variable and may change after the account is opened.
Fees may reduce earnings on the account. $15 per month fee if paper statements are mailed through the US Mail. $30 wire transfer fee waived for one outgoing domestic wire transfer per month. Unlimited incoming domestic wires at no charge. No financial institutions and brokers.
Heritage Bank’s Health Savings Account (HSA) is an interest bearing account designed to help eligible individuals save for current and future qualified medical expenses and is used in conjunction with a High Deductible Health Plan from your insurance provider.
Financing solutions for licensed physicians in all 50 states.
Financing solutions for licensed physicians in all 50 states.
140 North Phillips Avenue #101A, Sioux Falls
Average response time <10 minutes
Reach Out Today
We’re here to help:
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.
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?
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