Gig Harbor
Carol Kowalski
Relationship Banking Officer
Specialties
- Commercial Banking
About Carol Kowalski
Relationship Banking Officer
Carol is passionate about nonprofit banking and brings over 25 years of experience building trusted relationships with businesses, nonprofit organizations, municipalities, and community leaders throughout Western Washington. As a Relationship Banking Officer, she specializes in supporting local businesses and nonprofit organizations. Known for building lasting partnerships, Carol takes a consultative approach to understand each client's unique goals and challenges, offering tailored banking solutions that help them grow and thrive. Whether it's streamlining cash flow, financing expansion, or managing day-to-day banking needs, she is committed to delivering personalized service with a community-first mindset. Carol holds a Bachelor of Arts from Washington State University's Edward R. Murrow College of Communication and a Chartered Advisor in Philanthropy (CAP®) from The American College of Financial Services. A resident of Kitsap County, she has built strong connections within her community and actively supports a number of local nonprofits, including MatchStick Lab, South Kitsap Public Education Foundation, South Sound Planned Giving Council and the Dr. Maurice S. Mathis Guild.
Maximize the Financial Success of Your Business
Treasury Management Services
Our treasury management services help you increase cash flow, create process efficiencies and protect your business from fraud.
Merchant Services with Elavon
Heritage Bank has teamed up with Elavon to offer one-of-a-kind solutions that make it easy to accept all the payment methods your customers want to use, from anywhere in the world your business takes you.
Heritage Bank Community Development Entity
The Heritage Bank Community Development Entity finances businesses in economically distressed areas, breathing new life into neglected and underserved low-income communities.
Banking Business Magazine
A magazine for your business banking needs. Protect and grow your business as you navigate an ever-changing financial landscape. Banking Business is a free quarterly publication of Heritage Bank. As your banking partner, we are here to empower you with news and information to help you make more effective banking decisions.
About Heritage Bank
Heritage Bank serves customers like you. Your neighbors. The couple who owns the storefront across town. The customers we serve bring their unique heritage—and unique needs—to our bank.
To help our customers achieve their goals, we offer a complete array of banking services and tools for businesses as well as individuals. Our focus is on our communities: helping customers in our local markets build their heritage.
heritagebanknw.comTo help our customers achieve their goals, we offer a complete array of banking services and tools for businesses as well as individuals. Our focus is on our communities: helping customers in our local markets build their heritage.