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

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 3.50% APY on balances up to $25,000 and .51% 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 Online Banking and Bill Pay Service
  • FREE HeritageBank Visa® CheckCard

To earn the 3.50% 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
  • You will receive an email each statement cycle outlining the requirements met/not met.

To learn more, click here.

*3.50% Annual Percentage Yield (APY) paid on balances up to $25,000 and 0.51% APY paid on all amounts above $25,000 each qualifying statement cycle the minimum requirements are met. If you do not meet the requirements during a 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. If you do not meet the requirements three (3) consecutive qualifying cycles, your account will be converted to a Regular Checking account; fees may apply. APY is accurate as of March 1, 2010. 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.

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
*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
  • 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
  • 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
  • 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

Student Checking 101

We might be your parents' bank, but we speak your language. When it comes to banking your needs are different.

The minimum opening balance is $25. Only requirement is to sign up for e-statements. There are no monthly service charges associated with this account. Opening an account is not required to enter in the drawing for the monthly i-pod give-away. Just come in to any HeritageBank location to register to win. This drawing is open to the public.

For your peace of mind.

On July 21, 2010, the current standard maximum deposit insurance amount (SMDIA) of $250,000 was made permanent. The FDIC coverage limit applies per depositor, per insured depository institution, for each account ownership category. Beginning January 1, 2010, HeritageBank of the South will no longer participate in the FDIC’s Transaction Account Guarantee Program. Thus, after December 31, 2009, funds held in non-interest bearing transaction accounts will no longer be guaranteed in full under the Transaction Account Guarantee Program, but will be insured up to $250,000 under the FDIC’s general deposit insurance rules.