Card Services

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Debit & Credit Card Services

Visa® Platinum Credit Cards

Our Visa® Platinum credit cards offers hometown convenience, worldwide acceptance and great benefits.

Three great options all from the bank you know best.

    • Rewards Platinum - unlimited reward points that don't expire. Earn one point per dollar on net purchases and redeem them for merchandise, rental cars, travel and much more. Visit for details.
    • Cash Rewards Platinum - earn 1% cash back on all net purchases. Cash rewards never expire.
    • Platinum Edition - no penalty APR and competitive rates.
    • Signature Travel - Receive special offers and complimentary upgrades at hotels, resorts, and spas. Also receive rental car discounts and much more.
    • Enjoy the following features with all of the above options:
    • Competitive Rates*
    • Manage your account online and go paperless at
    • Chip Card Security
    • Fraud Monitoring and Zero Fraud Liability
    • SecurLOCK™ Email and Text Fraud Alerts
    • Mobile Payments
    • Personal service from people you know
Apply Now

*See the card application’s Important Disclosures for current terms, rates and fees. This card is issued by TCM Bank, N.A. Subject to credit approval.

FraudWatch® PLUS

  • Your Heritage Bank & Trust Mastercard Debit card is protected by FraudWatch® PLUS. You’re protected, round-the-clock, against the increasingly savvy perpetrators of debit card fraud. If you have questions about this service, please contact us at 931-388-1970.
  • Trained analysts watch for suspicious transaction activity on your behalf, 24 x 7, 365 days a year.
  • You will be contacted immediately by an experienced fraud analyst at Fraud Protection Services to verify the authenticity of your card transactions, if warranted.
  • If you would like to report debit card fraud or a lost or stolen debit card contact Hot Card Services at 1-800-264-5578. 

Traveling with your Debit Card

  • Please contact us before your departure to avoid problems using your Heritage Bank & Trust MasterCard® Debit Card while traveling outside of Tennessee.

Report Card Fraud or a Lost/Stolen Debit Card

During normal business hours







Heritage Bank Credit Card

Bankers Bank: 1-800-556-5678


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