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

GREAT RATE Checking

Heritage REWARDS Checking

Great Rate Checking pays you high interest.* Heritage Cash Back pays you in cash on everyday purchases.* The choice is yours! Contact us to get started!

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 Great Rate Saver Switch Kit Contact Us Other checking account options

Heritage Rewards Checking Accounts

GREAT RATE Checking

Heritage Cash Back Checking

Pays you high interest and refunds on ATM fees, nationwide.*

Pays you in cash back and refunds on ATM fees, nationwide.*

Rewards*
  • Earn 3.00% APY on balances up to $50,000
  • Earn 3.00% to 1.16% APY** on balances over $50,000 depending on balance in account
  • Earn 0.01% APY** if qualifications aren't met
  • No minimum balance to earn rewards

Rewards*

  • Earn up to $6.00 cash back on debit card purchases if qualifications are met
  • Earn the following for cumulative debit card purchases that post & settle per statement cycle: 
    • Tier 1 - $50.00 - $149.99 = $2.00
    • Tier 2 - $150.00 - $299.99 = $4.00
    • Tier 3 - $300.00 + = $6.00
  • No category restrictions on purchases
  • No minimum balance to earn rewards
Monthly Service fee - $0 Monthly Service fee - $0

Free ATMs?

  • Earn refunds on ATM fees, nationwide (up to $4.99 per single transaction/$20.00 per month)*

Free ATMs?

  • Earn refunds on ATM fees, nationwide (up to $4.99 per single transaction/$20.00 per month)*

Free online and mobile banking with bill pay?

  • YES

Free online and mobile banking with bill pay?

  • YES

Free Mastercard® debit card with approval?

  • YES

Free Mastercard® debit card with approval?

  • YES

Minimum Opening Deposit

  • $25

Minimum Opening Deposit

  • $25

Here's how to earn your Heritage rewards

 

Just do the following simple transactions and activities (we call them qualifications) within your free Great Rate Checking or Heritage Cash Back checking account during each monthly statement cycle:

 GREAT RATE CHECKING     
 HERITAGE CASH BACK       
 Have at least 15 debit card purchases post and settle  Have at least 12 debit card purchases post and settle

 Have at least 1 automatic payment directly from your
 checking account (ACH) AND 
 1 direct deposit (ACH) post and  settle

 Have at least 1 automatic payment (ACH) OR 1 direct deposit (ACH) post and settle

 Be enrolled in and agree to receive e-Statements

 Be enrolled in and agree to receive e-Statements

Be enrolled in and log into online banking or mobile banking

Be enrolled in and log into online banking or mobile banking 

Plus, there are no additional qualifications to earn a higher Great Rate Saver rate. Just meet your Great Rate Checking qualifications and get a higher rate on your linking Great Rate Saver, too!

 

Monthly Statement Cycles for Great Rate Checking end on the last business day of each month. 

Monthly Statement Cycles for Heritage Cash Back 2022 are as follows:

 Heritage Cash Calendar

 

*Reward Information:
Great Rate Checking:  When your Great Rate Checking account qualifications are met during a Monthly Statement Cycle, (1) Balances up to $50,000 receive APY** of 3.00%; and balances over $50,000 earn 0.25% interest rate on the portion of balance over $50,000, resulting in a range from 3.00% to 1.16% APY depending on the account’s balance and (2) you will receive reimbursements up to $20.00 ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Statement Cycle in which you qualified. When Great Rate Checking qualifications are not met, all balances in the account earn 0.01% APY and ATM fees are not refunded. Interest and ATM fee reimbursements will be credited to your Great Rate Checking account on the last day of the current statement cycle. **APY = Annual Percentage Yield. APYs accurate as of 9/1/2022. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.

Heritage Cash Back:  When Heritage Cash Back qualifications are met during a Monthly Statement Cycle, you will receive Tier 1 - $50.00 - $149.99 = $2.00; Tier 2 - $150.00 - $299.99 = $4.00; Tier 3 - $300.00 + = $6.00 for cumulative debit card purchases that post and settle to the account during that cycle period. A maximum of $6.00 cash back may be earned per Monthly Statement Cycle. You will also receive reimbursements up to $20.00 ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Statement Cycle in which you qualified. When Heritage Cash Back qualifications are not met, no cash back payments are made and ATM fees are not refunded. Cash back payments will be credited to your Heritage Cash Back account on the last day of current statement cycle and ATM refunds will be credited to your account the day qualifications are met nd then the day of an ATM transaction until the end f the statement cycle. Rates and rewards are variable and may change after account is opened.

Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Statement Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued by our bank.

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. A $25.00 minimum deposit is required to open the account. Enrollment in electronic services (e.g. online banking, electronic statements, and log-ons) may be required to meet some of the account’s qualifications. Limit 1 account per social security number. There are no recurring monthly service charges or fees to open or close this account. Contact one of our bank service representatives for additional information, details, restrictions, processing limitations, and enrollment instructions. Member FDIC.

 

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