Payroll Checking Account

Give your paycheck a boost
with the new

Payroll Checking Account Logo

Earn 4.04% APY* with our highest interest checking account.

Our new Payroll Plus account is the perfect way to give your paycheck a boost. When you meet three easy qualifications each month, you can earn 4.04% APY*. Get the best of both worlds – the convenience of Direct Deposit and an excellent rate of return.

Earn more and stress less with Physician Bank.


Payroll Plus Qualification 1
Have at least $5,000 in Direct Deposit each month from payroll, social security, investment income or other forms of monthly income.

Payroll Plus Qualification 2
A minimum of $500 in monthly debit card purchases posted to your account1.

Payroll Plus Qualification 3
Enroll in and receive monthly eStatements2.


  • Earn 4.04% APY* Every Month with $5,000 in direct deposits each month, a minimum of $500 in monthly debit card purchases posted to your account 1, and enroll in eStatements 2.
  • Automatic ATM Refunds up to $25 dollars when qualifications are met. (Refunds for domestic ATM fees charged by other ATM owners and MasterCard cross border/currency conversion fees for debit card foreign transactions.)
4.04% APY* for qualified balances of $0.01 - $100,000
0.14% APY* for qualified balances greater than $100,000
0.05% APY* non-qualifying balances


  • $100 minimum to open account
  • Monthly eStatements required - Must have valid email address to enroll.
  • Debit card included
  • No minimum balance
  • Free Digital Banking, Mobile Deposit, ePay (Online Bill Pay) and more!
  • Transfer money electronically to or from your account - anytime online.
  • myMoney, our personal financial management tool, is a free real-time aggregation tool that helps you control your money on one screen with technology you can trust.
Discover a Checking Account That Exceeds Your Expectations
Member FDIC
Learn more about the benefits of FDIC insurance coverages for your checking, savings and certificates of deposit.
Debit Card
Digital Banking provides a secure and convenient way to manage your finances. Get started with Digital Banking today.
ATM Refunds
Automatic ATM refunds up to $25 when qualifications are met.
Simplified Fees
  • Overdrafts & NSF: $33 per item, per presentment
  • $30 fee if account is closed within 6 months of opening
  • $4 per month if you fail to enroll in eStatements

  • Carrie Nemeh ★★★★★ 5 months ago
    We just closed on our new home today and couldn't be more impressed with the service provided by Ryan at Physician Bank! He was incredibly responsive from start to finish. This was our first time buying a home so we had a lot of questions … More and Ryan was so patient and helped us every step of the way. We were able to get into our first choice home and close within 30 days. After extensive research we were most impressed by the choices and service provided by Ryan at Physician Bank which is why we ultimately chose this lender. Thank you!
  • Cristina Toledo-Cornell ★★★★★ 7 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!
  • Jonathan Wolf ★★★★★ 5 months ago
    Jean at Physicians Bank was amazing. She got my wife and I in our forever home and helped us navigate the loan process. She made herself available to answer all our questions and helped make the lending process as stress free as possible. … More A true pleasure to work with and will be recommending her to others.
Unlock the full potential of your hard-earned money with Heritage Bank NA’s Payroll Plus checking account.
*APY = Annual Percentage Yield. Fees may reduce earnings. Interest rate is variable and may change after the checking account is opened.
**When the Payroll Plus 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 statement cycle. If applicable, sales tax will be applied to service charges for accounts opened in Iowa.
1. Please note that ATM transactions do not count toward the debit card purchase requirement.
2. 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.
Minimum opening deposit of $100 required.

Interest Rates Effective Since October 10, 2023.

Important Information

Procedures for Opening an Account
Mandated by the USA PATRIOT ACT

To help the government fight the funding of terrorism and money laundering activities, the USA PATRIOT ACT, a Federal law, requires all financial institutions to obtain, and record information that identifies each person who opens an account.

What this means for you:

When you open an account, we will ask you for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

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