Personal Banking

Checking

At HeritageBank, we realize that the "best" account is really just the best account for you. So we created three types of checking accounts designed to meet a wide range of banking needs and habits. And every account comes with the kind of personal service you expect from HeritageBank. All checking accounts provide convenient access to your funds through checks, Visa® CheckCard, Heritage-Line or Online Banking.

  • Performance Plus Checking
    A high-interest checking account with no minimum balance         requirements, and refunds on your ATM fees nationwide.

  • FREEdom Checking
    Free Checking and Online Bill Pay with Direct Deposit.

  • Heritage Checking
    Free Checking plus other free services for customers 45 and over.

  • Regular Checking
    A great low-cost, interest-bearing checking account.

  • Reorder Checks
    Reorder checks from Deluxe, HeritageBank's check printer provider.

Performance Plus Checking

All green, no fees. It’s the smart checking account for smart savers – by earning interest and more with ATM fees refunded nationwide.**

  • $100 minimum opening deposit
  • Earn 4.00% APY* on balances up to $25,000 and 1.00% APY * on balances over $25,000. (If requirements are not met during the statement cycle, you still earn 0.10% APY* on your checking balance).
  • Get automatic refunds of ATM fees nationwide**
  • No monthly service charges, no minimum balance requirements and unlimited check writing
  • FREE first order of personalized checks (custom or safety paper)
  • FREE Online Banking and Bill Pay Service
  • FREE HeritageBank Visa® CheckCard with rewards – earn points when making signature-based transactions that can be redeemed for brand name merchandise and exciting travel rewards.

To earn the 4.00% APY* and receive automatic ATM refunds, perform the following each statement cycle:

  • Use your HeritageBank Check Card for 12 or more purchases
  • Receive Electronic Statements
  • One Direct Deposit or ACH Auto Debit
  • Access Online Banking

To learn more, click here.

*4.00% Annual Percentage Yield (APY) paid on balances up to $25,000 and 1.00% APY paid on all amounts above $25,000 each qualifying cycle the minimum requirements are met. If you do not meet the requirements each qualifying cycle, your account will still function as a free checking account earning 0.10% APY, however, it will not receive ATM refunds for that time period. APY accurate as of April 16, 2008. We may change the interest rate and APY at any time after the account is opened. No Minimum Balance Required. However you must deposit a minimum of $100 to open this account. Available to Personal Accounts only. No monthly service charge. **ATM refunds up to $35 per cycle if requirements are met.

FREEdom Checking

A perfect fit if you have direct deposit* of your paycheck or other recurring income.
  • $100 minimum opening deposit
  • No monthly service charges, no minimum balance requirements and unlimited check writing*
  • FREE first order of personalized checks (custom or safety paper)
  • FREE Online Banking and Bill Pay Service
  • FREE HeritageBank Visa® CheckCard with rewards – earn points when making signature-based transactions that can be redeemed for brand name merchandise and exciting travel rewards.
*If customer discontinues Direct Deposit, account will convert to a Regular Checking Account.

Heritage Checking

Heritage Checking offers a number of privileges and free services for those who are age 45 or over.
  • $100 minimum opening deposit
  • NO monthly service charges
  • FREE Online Banking and Bill Pay Service
  • FREE personalized checks (custom or safety paper)
  • NO-FEE American Express Traveler's Cheques*
  • FREE 3 X 5 Safe Deposit Box**
  • FREE HeritageBank Visa® CheckCard with rewards – earn points when making signature-based transactions that can be redeemed for brand name merchandise and exciting travel rewards.
  • Earn interest at a competitive rate when maintaining a daily balance of $500 or more
* Excludes Gift Cheques and Cheques for Two.
**Subject to availability.

Regular Checking

You'll enjoy all the benefits that a checking account provides with this low-cost, interest-bearing checking account.
  • $100 minimum opening deposit
  • $500 minimum balance to earn interest
  • A low monthly service charge of $6.00 if balance drops below $500. $.30 per debit/check after 50 per statement cycle
  • FREE Online Banking and Bill Pay Service
  • FREE HeritageBank Visa® CheckCard with rewards – earn points when making signature-based transactions that can be redeemed for brand name merchandise and exciting travel rewards.
  • Monthly service charge is waived for students and you get a free cool
    t-shirt
  • Interest is calculated using the daily balance method
  • Overdraft protection available.
  • Duplicate checks are available for easy record keeping.
HeritageBank checking accounts also offer the following features:
  • FREE Online Banking - Convenient online access to your account information
  • FREE Online Bill Pay - Pay your bills right online, instead of through the mail
  • Free Visa® CheckCard - 24/7 access to your checking account funds and earn rewards simply by using your HeritageBank Visa CheckCard for signature-based transactions.
  • Overdraft Protection - Peace of mind knowing you're covered against those unexpected emergencies
  • Direct Deposit - The convenient way to have your funds deposited into your account