Personal Checking

You can have it all—interest, no balance requirements on deposits, and the free services you expect. Or, you can stick with the basics. With a HeritageBank checking account, you pick and choose the services you need and the perks you want. All HeritageBank checking accounts offer FREE online banking with bill pay, mobile banking, Visa® check cards and exceptional customer service.

Checking  101
Listen up students—finally a checking account that speaks your language and meets the demands of your lifestyle. It’s free, it’s simple and it’s perfect.

  • For students 26 years old and younger*
  • Minimum opening balance of $100
  • 10 Fee-FREE Nationwide ATM withdrawals **
  • Free Visa® Check Card
  • Free Mobile Banking
  • Free Online Banking and Bill Pay
  • e-Statement required
  • Receive a $5 discount on a Safe Deposit Box when you set up an automatic debit from your HeritageBank checking account.

*Must be 18 (19 for Alabama residents) to open account without parent as joint owner. Must present valid student ID at account opening.
**In order to receive 10 Free Nationwide ATM fees, account must maintain e-Statements. When you no longer meet the requirements (e-Statements or age limit), your account will be converted to another checking account; fees may apply.
 

Smart Choice Checking

A perfect fit if you have a direct deposit, with Smart Choice Checking you will enjoy no monthly maintenance fees as long as you have a direct deposit OR maintain a minimum balance.

  • $100 minimum opening deposit
  • To avoid the imposition of a $7 service charge you must have either:
        •  a direct deposit credited to your account each statement cycle;
        •  or, maintain a minimum daily balance of $1,000.
  • Receive a $5 discount on a Safe Deposit Box when you set up an automatic debit from your HeritageBank checking account.
Heritage Checking

Designed specifically for those 50 and older, Heritage Checking adds value to your banking experience.

  • $100 minimum opening deposit
  • Maintain a minimum balance of $1,000 to earn interest
  • Enjoy no monthly service charges
  • FREE personalized checks on Bank specialty paper as long as you have this account
  • Fee-FREE American Express Traveler’s Cheques (excludes gift cheques and cheques for two)
  • Receive a $10 discount off any size Safe Deposit Box. Plus, a $5 discount when you set up an automatic debit from your HeritageBank checking account.
Relationship Checking

We want to be the bank of choice for all your financial needs. From college savings accounts to car loans, we have the products and services to meet your needs. And, we value the trust you place in us. That’s why we designed a loyalty checking account.

  • $1,000 minimum opening deposit
  • To avoid the imposition of a $20 base fee you must do one of the following:
        •  maintain a $5,000 average ledger balance,
        •  or a combined average ledger balance of $25,000 in related checking/money market/savings accounts and loans.
  • Maintain a balance of $1,000 or more to earn interest. Rates are tiered.
  • 5 Fee-FREE Nationwide ATM withdrawals
  • Fee-FREE personalized checks on Bank specialty paper as long as you have this account
  • Fee-FREE Official Checks
  • Receive a $10 discount off any size Safe Deposit Box. Plus, a $5 discount when you set up an automatic debit from your HeritageBank checking account
*New* Checking Navigator

We want you to get the most out of your relationship with us. This online guide is just one of the ways we try to simplify managing your checking account and help you eliminate the expense and inconvenience of overdrafts. Throughout this guide you’ll see definitions of some of the financial terms we use and that you see on your checking account statement. Understanding these terms can help you avoid overdrafts. Click here to get started.

 



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