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Personal Checking Accounts

For Maximum Checking Account Value,click here to view the features of our
Heritage Club Account!

Free Checking

More than just a free account! For those who want to keep it simple.

  • No monthly fee
  • Minimum opening deposit of $25
  • No minimum balance
  • Unlimited check writing
  • Free VISA Check Card with approval
  • Overdraft Protection with approval
  • Free Online Banking with Bill Pay
  • Free Bank by Phone
  • No annual fee on VISA/MasterCard with approval
  • Check images will not be returned
  • No fee ATM transactions, worldwide

Traditions Regular Checking

Simple and Easy! For those customers who like to manage their finances with ease. A basic checking account, with a number of added benefits

  • Monthly fee of $7.50, none with $500 minimum balance
  • Minimum opening deposit of $100
  • Unlimited check writing
  • Free VISA Check Card with approval
  • Overdraft Protection with approval
  • Free Online Banking with Bill Pay
  • Free Bank by Phone
  • No annual fee on VISA/MasterCard with approval
  • Free check imaging
  • No fee ATM transactions, worldwide


Home Town Heroes

Simple and Easy! For those men and women who protect us and our families in the community. This account is for the employees of the fire, police, and sheriff departments, the emergency management services personnel and the armed forces.

  • No monthly fee
  • No minimum balance
  • Minimum opening deposit of $25.00
  • Unlimited check writing
  • First order of checks free
  • Must have proper identification
  • Free VISA Check Card with approval
  • Overdraft Protection with approval
  • Free Online Banking with Bill Pay
  • Free Bank by Phone
  • No annual fee on VISA/MasterCard with approval
  • Free check imaging
  • No fee ATM transactions, worldwide


Traditions Plus Interest Checking

Simple and Easy! All the great features of Traditions Regular Checking in an account that earns interest!

  • Monthly fee of $15; none with $1,000 minimum balance
  • Minimum opening deposit of $1,000
  • Unlimited check writing
  • Free VISA Check Card with approval
  • Overdraft Protection with approval
  • Free Online Banking with Bill Pay
  • Free Bank by Phone
  • No annual fee on VISA/MasterCard with approval
  • Free check imaging
  • No fee ATM transactions, worldwide.


Legacy Relationship Accounts

The Ultimate in checking accounts! The Legacy account earns extra interest on CDs and discounts on loans and Safe Deposit Boxes along with Free Travelers and Cashiers checks.

  • Monthly fee of $12; none if $2,000 minimum or $20,000 in combined deposit, consumer and in-house mortgage loan balances
  • Minimum opening deposit of $2,000
  • Unlimited check writing
  • Free Heritage Bank checks
  • Free VISA Check Card with approval
  • Overdraft protection with approval
  • Free Online Banking with Bill Pay
  • Free Bank by Phone
  • .25% increase on CD’s
  • .25% decrease on consumer installment loans
  • Plus an extra .25% decrease on consumer installment loans for an automatic debit
  • 30% discount on Safe Deposit Box rentals
  • Free Cashiers Checks
  • No annual fee VISA/MasterCard with approval
  • Free check imaging
  • No fee ATM transactions, worldwide.
  • Interest rate tiers
    • Under $1,000
    • $1,000 -$9,999
    • $10,000-$24,999
    • Over $25,000

Heritage Club Account

All the financial services you need plus a wide range of personal benefits, such as $5,000 identity theft fraud expense reimbursement coverage1+ and discounts on rentals and purchases. One low Monthly fee of $5.00 provides all of the services below:

  • Minimum opening deposit of $100
  • $5,000 Accidental Death Insurance*-coverage divides equally on joint accounts and reduces 50% at age 70
  • $5,000 Identity Fraud Expense Reimbursement Coverage1* - joint account owners enjoy the same level of coverage at no additional cost
  • Credit File Monitoring2
  • Key Recovery
  • Entertainment Savers Guide
  • Travel Rewards
  • Walk-in Pharmacy Discount card
  • $500.00 Grocery Coupon Book
  • Cash Back Member Rewards – up to $40 per year
  • Online Benefit Request Feature
  • No Minimum Balance required
  • Unlimited check writing
  • Free Personalized Heritage Club Checks
  • Interest on Checking. Ask us how to earn interest on your Heritage Club Account
  • Free VISA® Check Card with approval
  • Free Online Banking with Bill Pay
  • Free Bank by Phone
  • No annual fee on VISA®/MasterCard® with approval
  • No fee ATM transactions worldwide
  • Free Check Imaging
  • Direct Deposit Available
  • No Issue Fee on Cashiers Checks & Money Orders

1Identity Fraud Expense Reimbursement Master Policy underwritten by Travelers Casualty and Surety Company of America and its property casualty affiliates, Hartford, CT 06183. Coverage for all claims or losses depends on actual policy provisions. Availability of coverage can depend on our underwriting qualifications and state regulations. Coverage not available for residents of New York.

2Credit file monitoring services are provided through Equifax Credit Watch™ Gold. Equifax, Equifax Credit Report, and Equifax Credit Watch are trademarks of Equifax Inc. Equifax’s credit monitoring products are protected under U.S. Patent No. 7,208,052. You will be required to complete Equifax’s identity authentication.

*Insurance products are not insured by the FDIC or any Federal Government Agency. They are not a deposit of or guaranteed by the bank or any bank affiliates and may lose value. Special insurance program notes: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance.

Heritage Gold Senior Checking

Designed for seniors age 50 and over who want more than a regular checking account. The account earns interest on a tiered basis.

  • No monthly fee
  • Minimum opening deposit of $500.00
  • Unlimited check writing
  • Free Heritage Bank checks
  • Free VISA Check Card with approval
  • Overdraft protection with approval
  • Free Online Banking with Bill pay
  • Free Bank by Phone
  • No annual fee VISA/MasterCard with approval
  • 30% Discount on Safe Deposit Box rentals
  • .15% bump on CDs
  • Free check imaging
  • No fee ATM transactions, worldwide.
  • Tiered Interest Account
    • Under $2,499
    • $2,500 -$9,999
    • $10,000-$24,999
    • Over $25,000

Heritage Gold Senior Checking with Club Option

For only $4.00 per month you can add all of the following club options to Heritage Gold Senior Checking.

Scholars Checking

The account especially designed for students allowing them to learn to manage their money with no annual fee.

  • No monthly fee
  • Must have a parent or guardian sign if under 18
  • Must have proof of being a full time student
  • No minimum balance
  • Unlimited check writing
  • Free VISA Check Card with approval
  • Free Online Banking with Bill Pay
  • Free Bank by Phone
  • No annual fee VISA/Master Card with approval
  • Free check imaging
  • No fee ATM transactions, worldwide.

Heritage Educators Account with Salary Distribution

This account is just for those working in the education system. Although many teachers get paid only 10 months of the year, this account can be set up with a Salary Distribution Plus Interest Account. You will have pay throughout 12 months and the special salary distribution account pays you interest!

  • No monthly fee
  • No minimum balance
  • Unlimited check writing with check safekeeping
  • No per check charges
  • Free Online Banking
  • Free Bill Pay
  • Free Bank by Phone
  • Free VISA Check Card with approval
  • No fee ATM transactions, nationwide.
  • No point of sale transaction fees
  • No direct deposit requirement
  • ¼ % discount off the regular rate for new secured consumer loans with automatic monthly payment from a Heritage account
  • Unlimited access to your account anytime, over the phone, in the branch, at the ATM, or online
  • Eligible for a special $100 closing discount on an approved in-house mortgage loan
  • Earn 25 basis points higher than posted rates on one year or longer fixed rate certificates of deposit
  • Free check imaging
  • No charge on notary services
  • No service fees on cashier’s checks, or money orders

Founders Club Checking

An account especially for shareholders of Heritage Bank. This account earns interest on a tiered basis.

  • No monthly fee
  • Minimum opening deposit of $100
  • All shareholders of Heritage Bank and Trust are eligible (personal accounts only)
  • Unlimited check writing
  • Free personalized Founders Club checks
  • Free VISA Check Card with approval
  • Free Online Banking with Bill Pay
  • Free Bank by Phone
  • .50% interest discount on installment loans with auto debit feature
  • Eligible for a special $100 closing discount on an approved in-house mortgage loan
  • Earn 25 basis points higher than posted rates on one year or longer fixed rate certificates of deposits
  • No charge for notary service
  • No service fees on traveler’s checks, cashier’s checks or money orders
  • Annual 50% discount on safe deposit box rental
  • No annual fee Visa or MasterCard with approval
  • Free check imaging
  • No fee ATM transactions, worldwide.
  • Tiered Interest
    • Under $1,000
    • $1,000 -$9,999
    • $10,000-$24,999
    • Over $25,000

Great Rate Checking

The checking account that pays like a CD! Four simple requirements get you rewards in interest each month.

Meet these four requirements in the monthly cycle and that is all it takes to earn Great Rate Checking interest each month. Refer to Link below for Great Rate Checking Account Disclosures.

  • Ten debit card purchases
  • One direct deposit or direct debit
  • Receive your statement electronically
  • Access online banking

When the four reward requirements are met in the monthly cycle, the account will earn the Great Rate Checking interest rate on daily balances up to $50,000. Any portion of the balance greater than $50,000 earns .05% APY. Account daily balances will earn .05% APY when reward requirements are not met per cycle. You must meet the reward requirements each cycle to obtain benefits. Debit card transactions exclude ATM withdrawals.

  • No monthly fee
  • No minimum balance
  • Unlimited check writing
  • Free VISA Check Card with approval
  • Free Online Banking with Bill Pay
  • No annual fee on VISA/MasterCard with approval
  • No fee ATM transactions, worldwide.

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