Personal Checking

Heritage Bank offers a wide variety of Personal and Business Checking Accounts. Look through the account types listed below and if you're still not sure which is right for you, pick up the phone and call a representative at one of convenient locations. No matter which account you choose all of our accounts feature the following FREE benefits.

All Personal and Business Checking Accounts feature these FREE benefits:

  • Internet Banking
  • Online Bill Payer
  • Mobile Banking
  • Telephone Banking

Non-Interest Bearing Checking

Heritage Classic Checking

  • Unlimited check writing
  • Free debit card with 24-hour security monitoring
  • Free imaged statement
  • Free statement binder
  • Minimum opening deposit of $100 required
  • No monthly service charge by maintaining a minimum $500 balance; otherwise, an $8 maintenance charge will apply.

Heritage Green Checking

  • Requires a valid e-mail address
  • E-statement required
  • Minimum opening deposit of $100 required
  • Free debit card with 24-hour security monitoring
  • Ten free checks per month; additional checks $.50 per item
  • No monthly service charge with monthly e-statement; otherwise, an $8 charge will apply for paper statements.

Ultimate Club Checking

  • Unlimited check writing
  • No minimum balance required
  • Free “Heritage Bank” wallet style checks
  • Free debit card with 24-hour security monitoring
  • Free imaged statement
  • Free statement binder
  • Free cashiers checks, money orders, and travelers checks
  • $10,000 accidental death and dismemberment insurance
  • $5,000 identity theft insurance with fraud assistance
  • Payment card protection
  • Cash rewards
  • My GetAway
  • Everyday rebate rewards
  • Savers Club®
  • $8 monthly membership fee

Student Checking

  • Unlimited check writing
  • No minimum balance required
  • Free “Heritage Bank” wallet style checks
  • Free debit card with 24-hour security monitoring
  • Free imaged statement
  • Free statement binder
  • No monthly service charge

New Beginnings Checking

Our New Beginnings Checking Account allows those with an impaired banking history to start fresh and work towards a traditional checking account.

  • Free Debit Card
  • Personal Checks
  • No minimum balance
  • $10.00 monthly fee with a direct deposit
  • $14.00 monthly fee without a direct deposit
  • No overdraft privilege
  • Opportunity to graduate to another account after 18 months of account in good standing

Customer must meet bank qualifying criteria. Any and all monies owed from a previous deposit account at Heritage Bank must be paid in full before a New Beginnings Checking Account can opened.

Interest Bearing Checking

Heritage Now Checking

  • Unlimited check writing
  • Free debit card with 24-hour security monitoring
  • Free imaged statement
  • Free statement binder
  • Interest earned on average daily balance based on the following:
    • Tier 1……………….$1,000 - $9,999
    • Tier 2 ………………$10,000 - $24,999
    • Tier 3……………….$25,000 and above
  • No monthly service charge by maintaining a minimum $1,000 balance; otherwise, an $8 maintenance charge will apply and no interest will be paid.

Fab 50 Checking

  • Unlimited check writing
  • No minimum balance required
  • No monthly service charge
  • Interest earned on average daily balance
  • Free “Heritage Bank” wallet style checks
  • Free debit card with 24-hour security monitoring
  • Free imaged statement
  • Free statement binder
  • Free cashiers checks, money orders, and travelers checks
  • Limited to customers ages 50 and older