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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

An account for those who want the basics.

  • No monthly fee
  • Minimum opening deposit of $25
  • No minimum balance
  • Unlimited check writing
  • Check card with approval
  • Overdraft Protection with approval
  • Online & Mobile Banking with Bill Pay
  • Bank by Phone
  • No annual fee on VISA/MasterCard with approval
  • No fee ATM transactions, worldwide
  • Standard e-statements (*paper statements available with a $2.00/month fee)

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
  • Unlimited check writing
  • Check card with approval
  • Overdraft Protection with approval
  • Online & Mobile Banking with Bill Pay
  • Bank by Phone
  • No annual fee on VISA/MasterCard with approval
  • E-Statement with check images (*paper statements available with a $2.00/month fee)
  • No fee ATM transactions, worldwide


Home Town Heroes

An account for those 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
  • Minimum opening deposit of $25.00
  • Unlimited check writing
  • First order of checks at no charge
  • Must have proper identification to qualify and open
  • Check card with approval
  • Overdraft Protection with approval
  • Online & Mobile Banking with Bill Pay
  • Bank by Phone
  • No annual fee on VISA/MasterCard with approval
  • E-Statement with check images (*paper statements available with a $2.00/month fee)
  • 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
  • Unlimited check writing
  • Check card with approval
  • Overdraft Protection with approval
  • Online & Mobile Banking with Bill Pay
  • Bank by Phone
  • No annual fee on VISA/MasterCard with approval
  • E-Statement with check images (*paper statements available with a $2.00/month fee)
  • No fee ATM transactions, worldwide.


Legacy Relationship Checking Account

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

  • Monthly fee of $12; none if $2,000 minimum or $20,000 in combined deposit, consumer and in-house mortgage loan balances
  • Unlimited check writing
  • Heritage Bank & Trust checks at no charge
  • Check card with approval
  • Overdraft protection with approval
  • Online & Mobile Banking with Bill Pay
  • 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
  • No issue fee on Cashiers Checks
  • No annual fee VISA/MasterCard with approval
  • E-Statement with check images
  • 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, discounts and features. Call or ask one of our Client Bankers for a complete list. One low Monthly fee of $4.00 provides all of the services of the Heritage Club Account:

  • Minimum opening deposit of $25
  • Grocery Coupon Book
  • Unlimited check writing
  • Heritage Bank & Trust Club Checks at no charge
  • Check card with approval
  • Overdraft Protection with approval
  • Online & Mobile Banking with Bill Pay
  • Bank by Phone
  • No annual fee on VISA®/MasterCard® with approval
  • No fee ATM transactions worldwide
  • E-Statement with check images
  • No Issue Fee on Cashiers Checks & Money Orders
  • Tiered Interest Account
    • Under $1,000
    • $1,000-$9,999
    • $10,000-$24,999
    • $25,000-$49,999
    • $50,000-$74,999
    • $75,000 and over

Special Club Features Include:

  • $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
  • Entertainment Savers Guide
  • Travel Rewards
  • Walk-in Pharmacy Discount card

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
  • Unlimited check writing
  • Heritage Bank & Trust check at no charge
  • Check card with approval
  • Overdraft protection with approval
  • Online & Mobile Banking with Bill Pay
  • Bank by Phone
  • No annual fee VISA/MasterCard with approval
  • 30% Discount on Safe Deposit Box rentals
  • .15% bump on CDs
  • E-Statement with check images
  • 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 club options to Heritage Gold Senior Checking.

Special Club Features Include:

  • $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
  • Entertainment Savers Guide
  • Travel Rewards
  • Walk-in Pharmacy Discount card

Scholars Checking

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

  • No monthly fee
  • Must have a parent or guardian sign if under 18
  • Must have proof of being a full time student
  • Minimum opening deposit of $25
  • Unlimited check writing
  • Check Card with approval
  • Online & Mobile Banking with Bill Pay
  • Bank by Phone
  • E-Statement with check images (*paper statements available with a $2.00/month fee)
  • 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
  • Overdraft protection with approval
  • Online & Mobile Banking with Bill Pay
  • Bank by Phone
  • Check Card with approval
  • E-Statement with check images (*paper statements available with a $2.00/month fee)

Founders Club Checking

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

  • No monthly fee
  • All shareholders of Heritage Bank and Trust are eligible (personal accounts only)
  • Unlimited check writing
  • Founders Club checks
  • Check Card with approval
  • Online & Mobile Banking with Bill Pay
  • Overdraft Protection with approval
  • 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 cashier’s checks or money orders
  • Annual 50% discount on safe deposit box rental
  • No annual fee Visa or MasterCard with approval
  • E-Statement with check images
  • No fee ATM transactions, worldwide.
  • Tiered Interest
    • Under $1,000
    • $1,000 -$9,999
    • $10,000-$24,999
    • Over $25,000

Great Rate Checking

A rewards checking account. 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 (transactions must post and clear by the end of the statement cycle)
  • One direct deposit or direct debit
  • Enroll for e-statements via online banking
  • 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 .02% APY. Account daily balances will earn .02% 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
  • Check Card with approval
  • Overdraft protection with approval
  • Online & Mobile Banking with Bill Pay
  • No annual fee on VISA/MasterCard with approval
  • No fee ATM transactions, worldwide.

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