Heiter Iska in a Bank Account

Question

I am opening a bank account. Is a general Heiter Iska that the bank wrote sufficient, or is it better to demand to sign a private Heiter Iska with the bank? (Heiter Iska is a document that turns a loan into an investment, thus allowing the lender to charge an interest on it.)

Answer

It is preferable to sign your personal Heiter Iska with the bank.

Source

Turei Zahav (Yoreh De'ah 177:12).

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