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.

PERSONAL_BANKING
Heritage Checkless Checking

Avoid overdrafts. No checks. Just a debit card for purchases and cash withdrawals.

Heritage Freedom

Unlimited check writing.

No monthly maintenance fee.

No minimum balance required.

Non-interest bearing.

Heritage Now

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.

Heritage Now 50

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

Open an Online Account

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.

 

 

Talk to Heritage Banker

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.

Digital Banking

Complete your everyday banking from your smartphone, tablet or desktop whenever, wherever.

 

Carrier message and data charges may apply when using digital banking services.

Monthly Statements

Paper is available, but eStatements are convenient and secure. Sign up for eStatements in less than three minutes.

 

 

Debit Card

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.

ClickSwitch

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.

ATMs

Find more than 100 surcharge-free ATMs across our region and more than 50,000 locations across the nation.

Deposit Insurance

Interested in insurance for deposits above $250,000?

Zelle®

Send and receive money.

Card Courtesy Pay

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