Lower your interest rate by 0.50% when you bank with us.

Bank with us to get more for less, faster.

Your time and money are both valuable. That's why Heritage Business Express loans offer flexible products with a fast and convenient process and minimal paperwork. And you get a 0.50% lower interest rate when you set up automated payments from a Heritage Bank checking account.

Explore Business Checking +
Business lending beyond the ordinary

  • Owner-occupied commercial real estate, equipment, accounts receivable and working capital lines of credit available.

  • Loans and lines of credit available up to $500,000.

  • Owner-occupied commercial real estate loans available up to $1 million.

Get started by choosing a business checking account.

Business Checking Accounts +
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Flexible options. Fast process. Minimal paperwork.

Business Express Loans +
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Upgrade your business checking

Whether it's saving for future expenses, streamlining operations or securing capital to thrive and expand, your path to financial success starts here.

Explore Business Checking +

Small Business Checking

Best for businesses with moderate balances, limited transaction activity and generally straight-forward banking needs.

Open Account + More Details +

Business Analysis Checking

Designed for businesses with moderate to high transaction volumes, higher checking balances and complex cash management needs.

Open Account + More Details +

Business Interest Checking

The right account for businesses who maintain higher checking balances and have low to moderate transaction activity.

Open Account + More Details +
Ready to get started? All it takes is two simple steps.
Business lending beyond the ordinary
Step 1: Get your documents in order

To open a business account, you must provide specific documentation to verify your business and the individuals associated with it. Here's a checklist of the documents required based on your business type:

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Sole Proprietor

Heritage Bank currently requires business accounts to be opened in person at a branch.

  • Active business registration with appropriate state department (Washington, Oregon or Idaho)
Limited Partnerships and Joint Ventures

Heritage Bank currently requires business accounts to be opened in person at a branch.

For limited partnerships, you will need:

  • Partnership agreement
  • Active business registration with appropriate state department (Washington, Oregon or Idaho)

For joint ventures, you will need:

  • Joint venture agreement
  • Active business registration with appropriate state department (Washington, Oregon or Idaho)
Limited Liability Company

Heritage Bank currently requires business accounts to be opened in person at a branch.

  • Operating agreement (if applicable)
  • Active business registration with appropriate state department (Washington, Oregon or Idaho)
Corporation

Heritage Bank currently requires business accounts to be opened in person at a branch.

  • Articles of incorporation
  • Corporate by-laws
  • Meeting minutes (must be signed and include the officers elected by the board of directors)
  • Active business registration with appropriate state department (Washington, Oregon or Idaho)
Nonprofits, Social and Recreational Clubs, Civic Groups and Unincorporated Groups

Heritage Bank currently requires business accounts to be opened in person at a branch.

  • Social or lodge resolution OR meeting minutes (only one is required)
  • Active business registration with appropriate state department (Washington, Oregon or Idaho)
Step 2: Bring your documents to a branch near you

Let us help you get started. We look forward to working with you.

Connect with a Banker + Start a Pre-Application +

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