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BUILDING ON LEGACY. EXPANDING POSSIBILITY.

Kitsap Bank + Heritage Bank

 
Questions? Please contact your local branch.
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Customer Guide (PDF)View FAQs (PDF)Press release
 

Welcome! We're glad you're here.

Kitsap Bank and Heritage Bank are coming together to create a stronger banking network for customers across the Puget Sound region. This partnership brings the expanded services of a larger bank while preserving the personal, community-focused experience customers value. With aligned cultures and local decision-making, customers will enjoy enhanced capabilities, added convenience, and access to Heritage Bank's branches and ATMs throughout Washington, Oregon, and Idaho.
The transition to Heritage Bank accounts, products, and services is scheduled for September 19, 2026. Until the transition, you can continue using your accounts, checks, debit cards, online banking services, and branch locations just as you do today.
As we combine the best practices and resources from all our locations, we want to make sure you don't miss out on any important changes. Please ensure your account contact information is current so we can keep you updated every step of the way.
 
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Important dates

Friday, September 18, 2026:
  • All Kitsap Bank branches will close at 3:00 p.m.
  • Personal online, mobile, and text banking systems will be unavailable at 5:00 p.m.
  • Business online, mobile, and text banking systems will be unavailable at 5:00 p.m.
  • Telephone banking will be unavailable at 5:00 p.m.
  • Bill pay will be unavailable at 5:00 p.m. Payments scheduled for Saturday, September 19, and Sunday, September 20, will be processed as normal. You will not be able to initiate, change, or modify any payments after 5:00 p.m.
  • Debit card transactions posted to your account will be delayed beginning at 5:00 p.m.
  • Beginning at 5:00 p.m. on Friday and through the weekend, there will be limitations to the transactions you can conduct at an ATM. Balance inquiries and transfers between primary accounts will not be available.
  • ATMs at Kitsap Bank locations will be temporarily unavailable at different times throughout the weekend and week following the transition. Heritage Bank and MoneyPass® ATMs will be available. Please visit www.heritagebanknw.com to find the nearest ATM.
  • Your final monthly Kitsap Bank statement will be mailed.
Saturday, September 19, 2026:
  • Transition to Heritage Bank accounts.
Sunday, September 20, 2026:
  • Last day to use your Kitsap Bank debit card.
  • Your new Heritage Bank debit card (personal and/or business) will be mailed approximately 3 weeks prior to the transition. You can activate your new card as soon as you receive it, but you cannot use your new card until Monday, September 21.
Monday, September 21, 2026:
  • You can access both personal and business online, mobile, telephone, and text banking at 8:00 a.m.
  • You can begin using your new Heritage Bank debit card.
  • Debit card transactions from over the weekend will begin posting to your account.
  • You can access remote deposit capture through business online banking.
 

Kitsap Bank Branches

Most locations and phone numbers of your branches will remain the same at this time, but you will notice new Kitsap Bank signage beginning September 21, 2026.
  • The Tacoma branch located at 1498 Pacific Avenue, Suite 100, will close on Friday, September 18, 2026.
  • The Gig Harbor Point Fosdick branch located at 4714 Point Fosdick Drive will become a Heritage Bank location, and you will notice new signage beginning September 21, 2026. The Heritage Bank Gig Harbor branch located at 5119 Olympic Drive will close on Friday, September 18, 2026.
Find a branch near youcta_arrow_blue_large_32x32_2x
Exterior photo of a Heritage Bank branch.
 
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Online Banking

See below for important conversion information about online and mobile banking.
Online Banking: Your existing online banking will continue to be available, and you will use the same login credentials and multi-factor authentication that you use today. To sign in, visit www.heritagebanknw.com and select “Kitsap Bank Online Banking” from the sign-in drop down.
Mobile Banking: The existing Kitsap Bank mobile banking app will continue to be available, and you will use the same login credentials to access your account information, transfer funds, and deposit checks.
Mobile Check Deposit: Mobile check deposit limits will not change. Checks deposited before 6:00 p.m. Monday through Saturday will be credited to your account on the same day. Checks deposited after 6:00 p.m., on Sundays, or on a bank holiday will be processed the next business day. Mobile deposits may be available sooner because Heritage Bank processes deposits close to real time.
Bill Pay: You will continue to access bill pay through online and mobile banking as you do today. Payments will continue to be withdrawn in the same manner they are today. All your established payees, payment history and previously scheduled payments will continue to be available and paid by Heritage Bank. However, we encourage you to confirm all details on or after September 21.
 

Helpful Information

Please use the resources below to learn more about the upcoming conversion.
Customer Guide (PDF)cta_arrow_blue_large_32x32_2x
Transition Checklist (PDF)cta_arrow_blue_large_32x32_2x
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Key Points

Interbank Transactions: Until we convert to a single financial operating system in September 18, 2026, Kitsap Bank customers should continue to bank as usual. However, customers of both banks can conduct certain banking transactions at any branch location (Heritage Bank or Kitsap Bank), including:
  • Deposits
  • Loan payments
  • Withdrawals
  • Cash checks
 
ATM Use: Customers of both banks can use a Heritage Bank or Kitsap Bank ATM without incurring a fee. Kitsap Bank’s customers can also continue to use the Allpoint ATM network free of charge until September 18, 2026. You will have access to the MoneyPass® ATM network for withdrawals only beginning September 21. You can find the nearest MoneyPass® ATM on the Heritage Bank website or at www.moneypass.com.
FDIC Coverage: If you have deposits at both banks, your Kitsap Bank deposits are separately insured from deposits at Heritage Bank for at least six months after the merger. The merger is effective January 31, 2026. This grace period gives you the opportunity to restructure your accounts, if necessary.

More information

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