Heritage Bank

10/15/2026

Week two of our Don't Let These Haunt You series — and this one is responsible for more account fraud than almost anything else right now.

The Phishing Phantom: a text or email that looks exactly like it came from your bank. It has the right logo, the right language and just enough urgency to make you act before you think.

Heritage Bank will never contact you asking for your PIN, password or account number. Not by text. Not by email. Not by phone.

Swipe through to learn how to spot a phishing attempt and exactly what to do if you receive one.

Learn more about protecting yourself from financial scams: https://hubs.ly/Q04yYMNC0

Heritage Bank. Member FDIC.

10/14/2026

A $13 million investment in growth.

Heritage Bank is proud to help finance the construction and development of more than 500 storage and flex-storage units through a Commercial Real Estate construction loan.

Led by Commercial Loan Officer Nick Eberhard, this project will expand storage capacity and support continued growth in the community.

Heritage Bank. Member FDIC. Equal Housing Lender.

10/12/2026

All Heritage Bank locations will be closed today in observance of Columbus Day. We will reopen tomorrow at 9:00 a.m.

You can still check your balances, schedule fund transfers and set up payments using digital banking.

Find an ATM near you at https://hubs.ly/Q03Y8t0b0, or anywhere you travel at https://hubs.ly/Q03Y8pbg0

Learn more about why banks close on federal holidays: https://hubs.ly/Q03Y8rkC0

Heritage Bank. Member FDIC.

10/09/2026

Fraud has always been a threat to small businesses. AI has made it significantly more dangerous.

Today's cybercriminals are using artificial intelligence to write flawless phishing emails, clone voices to impersonate executives and create fake invoices that look exactly like the real thing. Small and mid-sized businesses are among the most targeted — and often the least prepared.

The good news is there are specific, practical steps you can take right now to reduce your risk. We put together a breakdown of the four biggest AI-powered fraud threats facing business owners today and how to protect against them.

https://hubs.ly/Q04yZfzR0

Heritage Bank. Member FDIC.

10/07/2026

A new baby changes everything — including your budget.

From diapers and daycare to pediatric visits and parental leave, the costs of a new baby add up faster than most new parents expect. The good news is a little planning before they arrive goes a long way.

We put together a practical guide on building a baby budget — plus a free Baby Budget Checklist and spreadsheet template to help you get started.

Are you a new or expecting parent — or do you know someone who is? Send this their way. It might be the most useful thing they read this week.

https://hubs.ly/Q04yZgGV0

Heritage Bank. Member FDIC.

10/06/2026

This October, Heritage Bank is shining a light on the financial threats that haunt people when they least expect it.

First up: The Ghost of Ignored Fraud Alerts.

Unauthorized transactions have a way of going unnoticed — small charges here, unfamiliar purchases there — until the damage is already done. The good news is two minutes in the Heritage Bank mobile app can change that entirely.

Swipe through to learn how to protect yourself and enable real-time transaction alerts today.

Learn more about protecting yourself from financial scams: https://hubs.ly/Q04yYCkD0

Heritage Bank. Member FDIC.

10/05/2026

As a reminder, all Heritage Bank locations will be closed on Monday, October 12 in observance of Columbus Day. We will reopen Tuesday, October 13 at 9:00 a.m.

You can still check your balances, schedule fund transfers and set up payments using digital banking.

Find an ATM near you at https://hubs.ly/Q03Y8m0z0, or anywhere you travel at https://hubs.ly/Q03Y8s0B0

Learn more about why banks close on federal holidays: https://hubs.ly/Q03Y8lYX0

Heritage Bank. Member FDIC.

10/03/2026

Now that you've built the discipline of saving, make decisions to grow your savings faster and securely.

Lock in a great rate, choose the term that fits your goals and enjoy secure, predictable growth.

See our current CD specials at https://hubs.ly/Q04yZ5_W0

Heritage Bank. Member FDIC.

10/01/2026

Two reasons to move on equipment financing before year-end:

RIGHT NOW: Secure a great rate, as low as Prime.*
AT TAX TIME: Take a write off.**

Equipment placed in service by December 31 may qualify for up to $2.56 million in Section 179 deductions, plus 100% bonus depreciation.

Work with a local lender who's one call away, get an answer fast, and keep your cash working instead of locked into one big purchase.

See full details: https://hubs.ly/Q04x_QD00
Talk to a lender today: (859) 869-2999

*Advertised rate is as low as Wall Street Journal Prime. Your rate will be determined by credit rating and other factors and may be higher. All applications subject to credit review and approval.

**Before making a purchase decision, talk to your CPA or tax advisor to confirm how federal tax rules apply to your business. State tax laws may vary from federal depreciation rules. Offer valid on complete applications received by close of business October 16, 2026. A Heritage Bank business checking account and automatic payment from that account are required.

Heritage Bank. Member FDIC. Equal Housing Lender.

Heritage Bank was chartered in 1990 by a group of local businessmen who, in the face of expanding interstate banks and national bank holding companies, wanted to preserve the concept of local banking.

09/30/2026

Growth requires more than opportunity. It requires access to the right financial solutions at the right time.

Heritage Bank recently provided a $1 million line of credit to support inventory expansion for a trailer sales business in Walton, Kentucky. By increasing inventory availability, businesses can better manage increased customer orders, deliver orders faster and position themselves for continued growth.

Whether it's financing inventory, expanding operations or pursuing new opportunities, Heritage Bank works closely with local businesses to provide tailored solutions now that fuel long-term success.

If your business is growing and needs flexible financing solutions, contact Justin Augsback to learn how Heritage Bank can help support your next chapter of growth.
https://hubs.ly/Q04xzjTJ0

Heritage Bank. Member FDIC.