Personal Checking Accounts

Heritage Bank > Personal Services > Personal Checking Accounts

Checking That's Right For You

Opening a Heritage Bank Checking account has never been easier. Simply apply online and we’ll find the product that best fits your unique needs. It’s quick, secure and easy! A bank employee will call you back the next business day to discuss our recommendation and answer any questions. Then we’ll have all the paperwork ready and waiting for you to sign when you arrive!

Cash Back Banking

Definitely our most popular checking account, Cash Back Banking will help you save time and money!

Opening Deposit:  $100

Minimum Balance:  None

Monthly Service Charge: A $6.00 service charge will be deducted from your account on the last day of your statement cycle. However, we’ll give you a $.25 credit for each debit card POS transaction that posts in your statement cycle. (POS at a merchant, not an ATM)

You will see the $6.00 service charge on your statement as well as a credit back called “Debit Card Usage Refund”  ($.25 times the number of POS debit card transactions that post in your statement cycle).  This can reduce or even eliminate the net cost of your account for that month depending on how many debit card transactions you run in the cycle!  Your credit back cannot exceed $6.00 (or $8.00 if you choose paper statements).

Per Item Charge:  None

Interest:  No

ATM Access:  Free ATM use at ANY bank’s ATM  (Owner of ATM surcharges, if any, still apply.)

Debit Card:  VISA Debit Card available FREE and no transaction charges 1

Printed Checks:  Customer pays for checks if desired.  Styles and prices vary.

Bill Pay:  Free

Internet, Telephone and Mobile Banking with Mobile Deposit:  Free – bank anywhere, anytime.

E-Statements:  E-Statement (electronic delivery of your monthly bank statement) is standard on the Cash Back Banking product.  If you prefer paper statements, that is available for an additional $2.00/month. E-Statements are a free service and will look identical to the paper statement and images you are accustomed to receiving in the mail.

Image Checking System: Free – Images of checks and deposits included with your E-statement.

1 With application and approval.

Heritage Checking

Opening Deposit: $100.00

Minimum Balance: $1000 daily balance

Monthly Service Charges: None, or $6.00 if balance falls below $1000 minimum daily balance

Per Item Charges: $.20 per item after 25 per month (electronic transactions such as debit cards, ATM withdrawals, and ACH debits do not count toward this limit).

Interest: Yes, tiered rates

ATM Access: Free at all Heritage Bank ATMs; $2.00 at other locations (Owner of ATM surcharges, if any, still apply.)

Debit Card: VISA Debit Card available FREE and no transaction charges1

Printed Checks: First order Heritage Bank design checks free

Bill Pay: Free

Internet, Telephone and Mobile Banking with Mobile Deposit:  Free – bank anywhere, anytime.

E-Statements: E-Statements are a free service and will look identical to the paper statement and images you are accustomed to receiving in the mail

Image Checking System: Free – Images of checks included with your statement

1 With application and approval.

Advantage Club Checking

Opening Deposit: $100.00

Minimum Balance: None

Monthly Service Charges: $10.00

Per Item Charges: None

Interest: Yes, tiered rates

ATM Access: Free at all Heritage Bank ATMs; $2.00 at other locations (Owner of ATM surcharges, if any, still apply.)

Debit Card: VISA Debit Card available FREE and no transaction charges1

Printed Checks: Free specialty design checks with every order

Bill Pay: Free

Internet, Telephone and Mobile Banking with Mobile Deposit:  Free – bank anywhere, anytime.

E-Statements: E-Statements are a free service and will look identical to the paper statement and images you are accustomed to receiving in the mail

Image Checking System: Free – Images of checks included with your statement

Special Features: No fees for money orders (up to five per month); free small safe deposit box.

1 With application and approval.

Student Checking

Opening Deposit: $100.00

Minimum Balance: None

Monthly Service Charges: 
None

Per Item Charges: None

Interest: No

ATM Access: Free at all Heritage Bank ATMs; $2.00 at other locations (Owner of ATM surcharges, if any, still apply).

Debit Card:  VISA Debit Card available FREE and no transaction charges 1

Printed Checks: Customer pays for checks if desired – Style and prices vary

Bill Pay:  Free

Internet, Telephone and Mobile Banking with Mobile Deposit:  Free – bank anywhere, anytime.

E-Statements: E-Statements are a free service and will look identical to the paper statement and images you are accustomed to receiving in the mail

Image Checking System: Free – Images returned with monthly statement

Special Features: Available for full-time students enrolled at primary or secondary institutions. When you are no longer eligible, your account will be converted to another checking account product.

1 With application and approval.

Premier Club Checking

Opening Deposit: $100.00

Minimum Balance: $100 daily balance

Monthly Service Charges: None, or $6.00 if balance falls below $100 minimum daily balance

Per Item Charges: None

Interest: Yes, tiered rates

ATM Access: Free at all Heritage Bank ATMs; $2.00 at other locations (Owner of ATM surcharges, if any, still apply.)

Debit Card: VISA Debit Card available FREE and no transaction charges1

Printed Checks: Free Heritage Bank design checks with every order

Bill Pay: Free

Internet, Telephone and Mobile Banking with Mobile Deposit:  Free – bank anywhere, anytime.

E-Statements: E-Statements are a free service and will look identical to the paper statement and images you are accustomed to receiving in the mail

Image Checking System: Free – Images returned with monthly statement

Special Features: Available for depositors age 50 or older. No fees for money orders (up to 5 per month); Premier Club special events, day trips, and group travel.

1 With application and approval.

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