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Acres Bank – A Farm Bank With Deposit Options

Welcome to Acres Bank, your trusted agricultural bank for farmers and ranchers. As a farm bank for agriculture, we understand the unique financial needs of farmers, ranchers, and ag investors and we’ve tailored our deposit products to meet those needs. Whether you need to save for an investment, or want a checking account for easier cash flow management, we’ve got you covered.

Our high-yield savings accounts earn you competitive interest to help you maximize your returns on your ag investment.

Acres Bank – Digital Farm Banking Mobile App

Do your online banking with our digital farm banking mobile app, and easily connect with our team of bankers to help you along your financial path.

Digital Banking Mobile App – Apple Store
Digital Banking Mobile App – Google Play

Let us bridge the gap between you and your agriculture financial goals! Connect with a banker today.



Carefree CheckingLow Activity Business Checking
Best ForIndividualsPartnerships, LLCs, Corps, etc.
Interest BearingNoNo
Minimum Opening Deposit$100$100
Minimum Balance$0$0
Electronic StatementsAvailable For FreeAvailable For Free
Service/Maintenance Fee$4 per month if not enrolled for electronic statements$0
Debit CardYesYes
Save UpYes (More Info)No
Digital Banking AppYesYes
Electronic ItemsFreeFree
Paper Item FeesFreeChecks (debits) & Deposited Checks: First 50 free, then $.52 each
Statement Options
  • $4/month for paper mailed statements
  • Free electronic statements
  • Paper Image Statements Mailed: $15/month
  • eStatement Image Statements: $5/month
  • eStatements: Free
  • Paper Statements Mailed: Free

Overdrafts & NSF: $33 per item
$30 fee if the account is closed within 6 months of opening
Business Online & Mobile Banking

  • All your banking conveniently secure and accessible on a firewall protected server!
  • View account activity, make payments, etc.
  • Originate and approve ACH items
  • Originate wire transfers
  • Dual control available for additional security
  • Control access for accountant or employees
  • Export transactions to financial software

Positive Pay – Check and ACH verification system to help minimize business payment fraud

agricultural bank savings account


Jumbo Deposit Savings AccountHealth Savings Account
Rates4.25% APY1 $2,000,000 Minimum Balance (Interest Rate: 4.17%)
3.02% APY1 $230,000 Minimum Balance (Interest Rate: 2.98%)
2.04% APY1 $100,000 Minimum Balance
1.01% APY1 $.01 Minimum Balance
3.02% APY1 $5,000 Minimum Balance
1.01% APY1 $.01 to $4,999.99 Minimum Balance
FeaturesInterest-bearing, high-yield account
Deposits insured by the FDIC to the maximum allowed by law.
Includes IntraFi Cash Service (aka Insured Cash Sweep or ICS)
Interest-bearing, high-yield account
Earn interest on the full balance with tiered interest
Free eStatements or $4/month if paper statements are mailed
Transfer money to or from account anytime using Digital Banking*
One free debit card (additional cards $10 each); no checks with this account
Make tax-free distributions from your HSA for qualified medical expenses using:
  • Debit card at merchants and service providers
  • ePay online bill pay
  • In bank withdrawal - $10 each
Minimum Opening Deposit$1000$50, waived if regular ACH deposits established at account opening
InterestCompounded and credited monthlyCompounded and credited monthly
Minimum Balance$.01$.01
Fees$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.$30 setup fee to be paid at time when HSA is established, may be deferred for up to 30 days (Setup fee reduced to $20 if account is opened online)
$30 fee if account is closed within 6 months of opening
External Transfer: $30
IRS corrections: $10
Excess contributions: $20
Overdrafts & NSF: $33/item**

The Jumbo Deposit Savings Account is an all-electronic, high-yield savings account that must be managed online. No checks are available with this account. No maturity date; no withdrawal penalty.

You are allowed six (6) withdrawals of any type per month. If you exceed this amount, you will be charged a $30 service charge.

$7 Million FDIC–insured limit applies to all single accounts owned by the same person with Heritage Bank N.A. and all its divisions added together. Acres Bank is a division of Heritage Bank NA.

No financial institutions or brokers.

1APY = Annual Percentage Yield. Fees may reduce earnings. Interest rate is variable and may change after this agricultural bank account is opened.

Interest Rates Effective February 1, 2024

Our Health Savings Account (HSA) is 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*


*Please consult with your tax preparer for eligibility and contribution limits.

**Overdrawing your HSA will cause the plan to be disqualified by the IRS.

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