Personal Checking Accounts Checking Options for Everyone
We keep it simple. Four checking account options – even one without checks. Enough options to suit every lifestyle. A full range of features for every accountholder.

Avoid overdrafts. No checks. Just a debit card for purchases and cash withdrawals.
Unlimited check writing.
No monthly maintenance fee.
No minimum balance required.
Non-interest bearing.
Unlimited check writing.
Monthly maintenance fee of $9.00, waived when daily minimum balance requirements are met.
Daily minimum balance requirements:
$1,000 in account or a combined daily minimum balance of $2,000 in any Heritage Bank checking, savings, money market accounts and/or CDs.
Interest Bearing:
Interest rates are subject to change and tiered according to balance.
Must be age 50 or older
Unlimited check writing.
Monthly maintenance fee of $4.00, waived when daily minimum balance requirements are met.
Daily minimum balance requirements:
$1,000 in account or a combined daily minimum balance of $2,000 in any Heritage Bank checking, savings, money market accounts and/or CDs.
Interest Bearing:
Interest rates are subject to change and tiered according to balance.
Perks:
Free money orders and cashier checks.
CD rate advantages.
Checking Account Features
Existing customers can open a checking or savings account without visiting a location. Just log into online banking to get started.
Coming soon: New to Heritage Bank customers will soon be able to open an account online, too.
Call or drop in. We can help you choose an account that fits your needs, set up your account, and get you on your way in minutes. We’re here whenever you want to chat.
Complete your everyday banking from your smartphone, tablet or desktop whenever, wherever.
Carrier message and data charges may apply when using digital banking services.
Paper is available, but eStatements are convenient and secure. Sign up for eStatements in less than three minutes.
Usually available day of account opening when you visit a location. Debit cards are mailed to customers who open accounts online. Make purchases wherever Mastercard® is accepted.
Use our faster, low-stress approach to moving your accounts to Heritage Bank. Set up your direct deposits in minutes. Reset recurring payments in a few clicks.
Find more than 100 surcharge-free ATMs across our region and more than 50,000 locations across the nation.