Personal Banking

Convenient Services

HeritageBank makes it easy for individuals to manage their money by offering a full range of convenient, automated and electronic service options. Some of these products enhance other product offerings to make it faster and more convenient to bank with HeritageBank.
  • Online Banking & Bill Pay
    Online access to your account information and pay bills online.

  • Visa CheckCard
    Free debit and ATM card for easy, electronic access to your checking account.

  • ATM Card
    Free ATM card for 24-hour access to cash and account information.

  • Heritage-Line
    24-hour access to account information by touch-tone phone.

  • Direct Deposit
    With Direct Deposit, your funds are immediately available for withdrawal on the day of deposit.

  • Payroll Deduction
    Have all or part of your paycheck deposited directly into your HeritageBank account.

  • TelePhone Services Center
    Call a TSC representative for account information, to inquire about an account or service, and apply for a loan.


Visa® CheckCard

A HeritageBank Visa® CheckCard may be used as a debit or ATM card. Using this single card gives customers purchase power worldwide anywhere VISA® is accepted as well as ATM access through any of our networks.

  • Password protect any HeritageBank Visa® CheckCard with Verified by Visa to ensure you're the only one using it online. Click here for more details
  • No writing checks and waiting for approval, so you're in and out of stores in no time
  • Easy and convenient to access the funds in your checking account any time you need it
  • Use at ATMs worldwide to make withdrawals, transfers and check balances or at any Point-of-Sale terminals

Earn Rewards on Your Visa® CheckCard for Signature-based Transactions.

You can earn rewards on your everyday purchases when using your HeritageBank Visa CheckCard for signature-based transactions. For every two dollars you spend, you earn a bonus point that can be exchanged for fabulous travel and brand name merchandise.

How to Use Your Signature for CheckCard Purchases to Earn Rewards.

Using your signature for all your CheckCard purchases is easy. Just select “credit” on the keypad when making your Debit Card purchase and sign your receipt. In some cases, you won’t need to sign a sales receipt, such as paying for gas at the pump. The amount is still deducted from your checking account as if you were performing a PIN transaction. And when you use your signature for your debit card purchases, you get to enjoy all the benefits that come with it — including ScoreCard Merchandise and Travel rewards!

If you visit the ScoreCard website you'll be amazed at the travel rewards and merchandise available. For more information about the ScoreCard program or to review your rewards account online, visit www.scorecardrewards.com or call 1-800-854-0790 (Monday - Friday 9am - 9pm EST and Saturday and Sunday 9am - 4:30pm EST.)

ATM Cards

An ATM card provides HeritageBank customers with 24-hour access to cash and account information. You may conduct the following transactions by using your HeritageBank ATM Card.
  • Check your account balances
  • Withdrawal and transfer funds
  • Access cash through Exchange®, Star Southeast®, AFFN®, American Express®, PLUS®, Maestro®, Cirrus®, Visa® and MasterCard® ATM networks
HeritageBank has over 9 convenient ATMs located near you.

Heritage-Line

If you like to handle transactions by phone, you can access your accounts 24 hours a day, toll-free, using your touch-tone telephone. In addition, this service provides you with the current time and temperature. To access Heritage-Line, call 229-436-8000 or 1-800-635-0307.
  • Obtain account balance and history
  • Transfer funds between accounts
  • See what checks have cleared
  • Request withdrawals by mail
  • Make loan payments

Payroll Deduction

Save yourself a trip to the bank on payday. Have all or part of your paycheck deposited directly into your HeritageBank account. Visit any office location or contact our TelePhone Services Center at 229-878-3200 or 1-800-227-7989, ext. 3200 to see if your employer participates in payroll deduction.

TelePhone Services Center

Can't get to a branch and need personal assistance? Our fast, friendly TelePhone Services Center representatives can provide up-to-date information about products, services, rates and fees as well as perform banking services while providing a high degree of quality service for customers.
  • Open a new account
  • Apply for credit and get a response within 24 hours
  • Get current account information
  • Inquire about products and services
TelePhone Services Center representatives are available on Monday, Tuesday, Thursday and Friday 8:30 a.m. to 5 p.m., Wednesday 8:30 a.m. to 4 p.m. and Saturday 9 a.m. to 12 noon. To call the TelePhone Services Center, just call 229-878-3200 locally or 1-800-227-7989.