Business Checking - Heritage Bank and Trust (Columbia, TN)

Business Checking Accounts

Heritage Bank & Trust’s Business checking accounts are tailored to fit the needs of your business. Whether you have a few transactions each month or hundreds, we have an account for you. We offer remote deposit for businesses who need to make deposits from their desk or we have Mobile deposit for smaller businesses on the go. We appreciate the nonprofits in our community and have an account just for you.

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Business Checking Account Benefits

  • Mobile Banking and Mobile Deposit, Online banking and Bill Pay, e-Statements
  • Mastercard® Chip Business Debit Card.     Card Images
  • Overdraft Protection with approval
  • Telephone Banking


Basic Business Checking

Business Checking

Business Analyzed Account

Heritage Heart Checking


Designed for businesses that generate 75 or fewer monthly items.

Designed for businesses that have up to 150 monthly items.

Designed for larger businesses to maximize their total banking relationship.

For non-profit organizations, associations, and foundations.

Opening Deposit





Minimum Monthly Balance


$5,000 average collected balance to avoid $10 monthly service charge. 

No minimum balance required, as monthly fees are based on account activity

Not applicable

Monthly Service Charge


Paper Stmt. Fee - $4


Unless minimum average collected balance is maintained. 

Additional fees based on account analysis; contact Client Banker for full list of analysis fees

No monthly service charge; monthly item fee may apply; contact Client Banker for fee schedule

Pays Interest



**Earned interest credits based on collected balance to offset analysis fees


Online & Mobile Banking and Mobile Deposit





The following features are included in all Heritage Bank & Trust business checking accounts: • Mastercard checkcard with approval • Overdraft protection with approval • Online banking with bill pay, mobile banking and mobile deposit (Mobile Deposit per item limit - $2,500 and daily limit of $5,000) • No fee ATM withdrawals within the Moneypass Network

 For full account details and disclosures, visit us at one of our locations or contact a Client Banker at 931.388.1970
*$4 monthly fee if customer requests paper statements.
**Contact a Client Banker for a full list of analysis fees.


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