Education Center |  Bank Holidays | Alert Messaging Numbers | Newsletter   

Important Holiday Schedule for Heritage Bank of Nevada   All branches and support areas will be closed Friday July 3rd, 2009 in observance of the Independence Day Holiday. For our online banking and cash management customers, please be advised that any fund, file, ACH, and/or wire transfer received after 5pm (PST) Thursday July 2nd will not be processed until the following Monday, July 6^th, 2009.

If you have any questions regarding our holiday schedule, please do not hesitate to call your local branch of Heritage Bank of Nevada.

HERITAGE BANK OF NEVADA IS PARTICIPATING IN THE FDIC'S TRANSACTION ACCOUNT GUARANTEE PROGRAM. Under that program, through December 31, 2009, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC’s general deposit insurance rules.

OUR CUSTOMERS LOVE US...

Lebo and Rick of Signature Landscape don't like big banks.  They prefer the personal service they receive at Heritage Bank.

HERITAGE BANK DECLINES FEDERAL BAILOUT FUNDS
Heritage Bank of Nevada has declined an $8.6 million "bailout" offer under the Emergency Economic Stabilization Act of 2008, citing the bank's healthy capitalization and the high interest rate that accompanies the federal dollars. Click here to read the rest of the RGJ (Reno Gazette-Journal) article.

2008 YEAR-END EARNINGS ARE POSITIVE - You can REST ASSURED that Heritage Bank of Nevada is safe and secure.  Since 1994, Heritage Bank of Nevada has reported increased profitability and growth while consistently maintaining outstanding asset quality.  We are happy to report that success continued throughout 2008.  

As of December 31, 2008, our assets totaled over $334 million, an 11.6% growth over December 2007.  Our reported income for 2008 increased 5.8% over 2007 year-end reported income.  Deposits increased by 12.1%, and the loan portfolio grew by 10.4% over 2007 year-end totals.  2008 was another very successful year for Heritage Bank of Nevada.

WELL CAPITALIZED - We have far exceeded the minimum capital requirements needed to maintain a well capitalized bank, and with full FDIC insurance, you can rest assured that your money is safe.  If you're wondering how secure your money really is with us, we encourage you to visit www.FDIC.gov, and click on the Bank Rating Services link on the home page.  Listed are a number of approved bank rating services including www.BankRate.com and www.TheStreet.com.

According to TheStreet.com, a national financial strength ratings organization representing a completely independent, unbiased opinion of an institution's financial strength, Heritage Bank of Nevada rated an A- with Excellent Financial Strength, as of September 19, 2008.  The ratings are derived, for the most part, from quarterly financial statements filed with state and federal regulators.

Still curious about the strength and security of Heritage Bank?  I invite you to call either my office at 775-321-4110, or my home at 775-626-6446.  I would love to hear from you.   Stan Wilmoth, President

CERTIFICATE of DEPOSIT ACCOUNT REGISTRY SERVICE (CDARS) offered by Heritage Bank of Nevada provides you with multi-million dollar FDIC insurance coverage.  This service, called CDARS, provides Heritage Bank customers with additional full FDIC insurance on Certificates of Deposit for amounts greater than $100,000, or the now temporary increase amount of $250,000. 

Everything is handled through Heritage Bank.  Large, multi-million dollar deposits are broken into smaller amounts and placed with other banks that are members of the special CDARS network.  Then, those member banks issue CDs in amounts under $100,000, so that the entire investment is eligible for FDIC insurance.  You benefit by working with just one bank, and you receive just one statement.  It is the easiest, most convenient way for you to protect your large deposits.

During these uncertain times, you will have peace of mind knowing that your money is safe, and that all deposits are summarized on one monthly statement.  CDARS allows you to maximize your return on while still enjoying full FDIC insurance coverage.  Click here for more information.

PROTECT YOURSELF FROM ONLINE FRAUD! WE WILL NEVER CALL, SEND EMAILS OR TEXT MESSAGES asking you to provide, update or verify your personal or account information, such as passwords, Social Security Numbers, PINs, Check Card Numbers or other confidential information.  For more information on how to protect yourself from Phishing and ID Theft, click here. 

MOBILE BANKING AND ALERT MESSAGING IS HERE!!!  Mobile Banking is the ultimate in on-demand service. With it, you can receive alerts about your account activity delivered right to your cell phone. Imagine getting a text message if your account falls below $100. You can receive as soon as a deposit has been made or a check has cleared. Mobile Banking delivers the information you need, when you need it.  To learn more about this product, just select the "Education Center" link above or click here. If you would like to receive your alerts as text messages to your mobile phone, select the "Alert Messaging Numbers" link above or click here.