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!

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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 $10 monthly service charge will be deducted from your account on the last day of your statement cycle. However, you can earn monthly loyalty credits to reduce or eliminate this charge. Review the Special Features section below to learn more about Loyalty Credits.

Earn up to $10 in loyalty credits each monthly statement cycle ($2 each) by using services you already love. One credit = $2 off your monthly service charge. Earn all five? Your monthly service charge drops to $0!

Ways to earn Loyalty Credits each monthly statement cycle:

  1. Debit Card: Make 15+ purchases with your Heritage Bank debit card (POS only, not ATM).
  2. Digital Banking: Log in at least once via mobile, tablet, or desktop.
  3. Direct Deposit: Receive a qualifying direct deposit (e.g., payroll or Social Security).
  4. E-Statements: Go paperless and receive statements electronically.*
  5. Bill Pay: Send at least one bill payment (one-time or recurring).

*Eligible activity must post during the statement cycle to earn the loyalty credit for that month.

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 the standard on the Cash Back Banking product. If you receive E-Statements only, you will receive one loyalty credit and your monthly service charge will be reduced by $2.

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);

1 With application and approval.