Checking Accounts

Heritage Bank & Trust offers a wide variety of checking accounts designed to fit your needs. We have interest bearing accounts to basic checking. The choice is yours! Contact us now to get started.

Contact Us  Switch Kit   Kasasa Checking

All of our checking accounts include these great benefits

  • Mobile Banking and Mobile Deposit, Online banking and Bill Pay, e-Statements with Check Images (Basic and Scholars Checking does not include images).
  • Mastercard® Chip Debit Card

  • Unlimited Check Writing
  • Overdraft Protection with approval (except with Scholars Checking)
  • Telephone Banking
  • No fee ATMs worldwide, we refund your ATM fees wherever you go*

Account Options

Personal Checking

Options 

Basic Checking

Scholars Checking**

Heritage Gold Senior Checking

Legacy Relationship Checking

Features

Perfect for everyday checking. Unlimited check writing.

Designed for students allowing them to learn to manage their money with no monthly fee.

For customers 50 and over. Enjoy unlimited check writing, first order of checks at no fee, and interest too!

Earns interest and is full of benefits with extra interest on CDs, discounts on loans and Safe Deposit Boxes, and no fee for Cashiers checks. Access to Legacy Money Market at no cost. 

monthly service charge

None***

None***

None

$12 unless minimum daily balance maintained.

pays interest

None 

None

Tiered Rates 

Tiered Rates

minimum  balance

None 

None

None 

$2000 Daily collected balance or $20,000 in combined total relationship to avoid $12 monthly service charge.

 Check Printing

None

None Bank stock checks at no charge.

Bank stock checks at no charge.

 StATEMENTS

 E-Statements
(does not include images)

 E-Statements
(does not include images)
E-statements or paper

 E-statements or paper

*On Kasasa accounts, you will receive reimbursements up to $20.00 ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified

**Scholars Checking - account is for students who are minors; guardian must be an owner and signer on account.  Account will convert to a Basic Checking account when minor reaches 21 years of age.

*** $2 monthly fee if customer request paper statements. 

Checking accounts require a $25 opening deposit except Legacy Relationship checking which requires $2,000.

Full account details and disclosures are available at one of our locations or by contacting us at 931-388-1970.

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