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, nationwide
Link to Free Checking Disclosure
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
- First order of checks free
- 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, nationwide
Link to Traditions Regular Checking Disclosure
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, nationwide
Link to Home Town Heroes Checking Disclosure
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
- First order of checks free
- 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, nationwide.
Link to Traditions Plus Interest Checking Disclosure
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 Travelers checks
- Free Cashiers Checks
- No annual fee VISA/MasterCard with approval
- Free check imaging
- No fee ATM transactions, nationwide.
- Interest rate tiers
- Under $1,000
- $1,000 -$9,999
- $10,000-$24,999
- Over $25,000
Link to Legacy Relationship Account Disclosure
Heritage Club Account
A wide range of products and services to help you manage your money easily and efficiently, plus a variety of personal benefits such as travel insurance and discounts on many things. One low Monthly fee provides all of the services below:
- $10 Monthly Fee
- Minimum opening deposit of $100
- No minimum balance
- Unlimited check writing
- Free Personalized Club Checks
- 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, nationwide.
- $100,000 Common Carrier Travel Insurance ***
- $10,000 Accidental Death & Dismemberment Insurance ***
- $2,500 Accidental Death & Dismemberment Insurance for each child ***
- $5,000 Identity Theft Insurance ***
- Key Tag Return
- Credit Card Registration
- Rental Car Discounts
- Theme Park & Movie Ticket Discounts
- Walk-in Pharmacy Discount Card
- Vitamins, Minerals & Herb Discount Program
- EyeCare & Eyewear Discount Program
- $500 Grocery Coupon Book
- Flowers, Gifts, & Greenery
- Entertainment Savers Guide
- KidCare ID Kit
- MemberTravelSource.com
- Safe Deposit Journal
- Online Benefit Request Feature
*** Insurance is NOT a deposit, NOT FDIC Insured, NOT guaranteed by the government or the bank, and may lose value.
Link to Heritage Club Account Disclosure
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 Personalized 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, nationwide.
- Tiered Interest Account
- Under $2,499
- $2,500 -$9,999
- $10,000-$24,999
- Over $25,000
Link to Heritage Gold Senior Checking Account Disclosure
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
All of the benefits of Heritage Gold Senior Checking plus:
- $150,000 Common Carrier Insurance ***
- $10,000 Non-Reducing Accidental Death & Dismemberment Insurance ***
- Buyers Protection and Extended Warranty ***
- $1000 AD & D for each grandchild ***
- $5,000 Identity Theft Insurance ***
- Key Tag Return
- Credit Card Registration
- Rental Car Discounts
- Theme Park & Movie Ticket Discounts
- Walk-in Pharmacy Discount Card
- Vitamins, Minerals & Herb Discount Program
- Eye Care & Eyewear Discount Program
- $500 Grocery Coupon Book
- Flowers, Gifts, & Greenery
- Entertainment Savers Guide
- Emergency Medical ID
- MemberTravelSource.com
- Safe Deposit Journal
- Online Benefit Request Feature
*** Insurance is NOT a deposit, NOT FDIC Insured, NOT guaranteed by the government or the bank, and may lose value.
Link to Heritage Gold Senior Checking w/Club Option Account Disclosure
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, nationwide.
Link to Scholars Checking Account Disclosure
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
- First order of checks free
- 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 travelers checks, 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, nationwide.
- Tiered Interest
- Under $1,000
- $1,000 -$9,999
- $10,000-$24,999
- Over $25,000
Link to Founders Club Checking Account Disclosure
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 1.00% APY. Account daily balances will earn .25% 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, nationwide.
Link to Great Rate Checking Account Disclosure