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Safety and Security


All Day Banking with NO 2:00 p.m. Cutoff

Heritage Community Bank now offers extended cutoff times for all transactions. Transactions are posted the same day received; until the branch closes, 5 p.m. on Monday through Thursday, and 6 p.m. on Friday. Deploying new technology and improving the bank’s operational processes allow all in-branch transactions to be accepted and processed the same day. This applies Monday through Friday, whether presented in the bank’s lobby or drive through, and provides all customers (both businesses and consumers) the convenience of making a deposit of checks and/or cash at any of the bank’s branches and having the deposit processed the same day. In addition, all of the bank’s electronic systems now operate in real time. This means that all balances, including in-branch, ATM, telephone banking, and online banking, will be actual real-time balances.

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ATM and Debit Cards with No Fee Roaming

Have you ever needed cash while traveling, but you couldn’t find an ATM? Or maybe you could find an ATM, but it wasn’t one of your bank’s machines – so you ended up paying withdrawal fees to access your own money. Have you ever wished there were an easy way to find an ATM with no extra charges, no matter where you are? For customers with internet access or an iPhone, now there is!

With MasterCard’s Global ATM Locator website or their newly released ATM Hunter application for the Apple iPhone, you can locate a nearby ATM from anywhere in the world. Users can enter their current address or a specific location (such as an airport) to find and map nearby machines. For iPhone 3G users, you don’t even have to know where you are, because the iPhone can determine your location through GPS.

Remember, with a Heritage Community Bank ATM/Debit Card, you can make withdrawals 24 hours a day at almost any ATM with FREE ROAMING. No fees are charged at Heritage Community Bank ATMs, and fees of less than $5.00 are refunded on withdrawals of $50.00 or more at any other Pulse, MasterCard, or Cirrus ATM. And with the Global ATM Locator website or the new ATM Hunter application from MasterCard, it just got a whole lot easier to find one!

To access the Global ATM Locator website and locate more than a million ATMs in over 210 countries, click here. To download the ATM Hunter App for free from Apple’s App Store on iPhone and iPod touch devices, click here (

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Free Automated Email/Text Message Alerts

Automated email or text message alerts help you stay up to date on account activity including usage, spending, balances, or important transactions either in or out of the office.

Automated alerts make staying informed about your banking activity easier, faster, and more convenient by providing you with the real time information you need to make effective decisions wherever you are. Alerts may be sent to multiple account holders, and can be customized based on each individual’s needs. You may choose to receive automated alerts via email or text message.

Four kinds of alerts:

  • Event Alerts—notify you whenever a specific transaction occurs, choose from over 15 different alerts
  • Balance Alerts—notify you of declining below or increasing above preselected balance thresholds and can help you to avoid unnecessary overdraft fees
  • Item Alerts—notify you when preselected checks clear your account
  • Personal Alerts—notify you of special occasions or other personal events

To set up automated email or text message alerts, sign into online banking, click on the Options/Settings tab and then click on the Alerts menu option. You can add, edit or delete alerts at any time.

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Free Anti-Fraud Text Alerts with smsGuardian

Protect Your Debit Card Via Text with smsGuardian

Your security is a priority at Heritage Community Bank, and we are proud to introduce smsGuardian, a new debit card fraud protection service available to our customers. This service is linked to your Heritage Community Bank issued debit card and allows you to receive and respond to text message alerts on your mobile device regarding your card’s transaction activity. There is no charge for this service, but message and data rates may apply. All major phone carriers are supported.

Features of smsGuardian

Once you are enrolled for the service, you will receive text message alerts from HCBNK Guardian when any of the following events occur:

  • Authorizations greater than $300
  • Five or more authorizations in 24 hours
  • Out of state authorizations
  • International authorizations
  • Card not present – key-entered authorizations done via internet, telephone, or other instances when your card is not physically present for approval
  • Declined authorizations

If a transaction is legitimate, you simply ignore the text message. If a transaction is fraudulent, you reply to the smsGuardian text message with the code that you received, and your debit card will be blocked from further use. If you do not reply to the text message within 12 hours, the transaction is considered legitimate.

You may discontinue the receipt of alerts immediately by texting the word STOP in reply to a HCBNK Guardian text message alert.

Enrolling in smsGuardian

Enroll in smsGuardian by clicking on the "ENROLL NOW !" icon below. Enrollment is complete when you have provided the necessary information and have authorized us to activate the service.

You may enroll up to five mobile devices per card under the Devices tab. Do-Not-Disturb windows may be set up under the Preferences tab to determine time periods in which a text message should not be sent (not exceeding 12 hours). When the Do-Not-Disturb time period is over, any stored text message alerts will be sent to you.

Enrollment lasts for one year. When you are approaching your annual renewal date, you will be notified by text message and will be able to reply to renew your protection service. Changing mobile service providers may require you to re-enroll your mobile device.

For assistance with smsGuardian, please contact Heritage Community Bank at 843-383-4333.

Enroll Now

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New Enhanced Telephone Banking System

Heritage Community Bank is pleased to introduce our enhanced Telephone Banking system which will be launched in early September. Our Telephone Banking number, (800) 299-8953, will not change, and your current Telephone Banking PIN will also remain the same.

Below is a Telephone Banking Guide to assist you with our new system. All of our current features will still be available in addition to new easy-to-use menus, speech recognition, and much more.

If you have any questions about accessing or using the new Telephone Banking system, please call us at (843) 383-4333. We appreciate your patience and understanding during the process of converting to the new system in early September. We are confident that you will enjoy the new enhanced features!

The Telephone Banking system’s default is Touch Tone. Press 2 to use Voice Recognition.

  • Main Menu – 3*
  • Previous Menu – *
  • Repeat an Option – #
  • Enter a Different Account Number – 9*
  • Hang Up – 7*
Press or
Menu Option
Bank Information
For information about our branch locations,
hours of business, and our ATM locations.
Account Balance
For balance information on checking, savings,
CD or IRA, loan, and Christmas Club accounts.
Account History
For transaction history on checking, savings,
CD or IRA, loan, and Christmas Club accounts.
Future Dated
For the amount of a pending ACH deposit or
scheduled Telephone Banking transfer and the
date it will post.
Funds Transfer
To transfer funds immediately or schedule a
transfer, make an immediate or scheduled
loan payment, or listen to or delete existing
scheduled transfers.
Stop Payment
To stop a check payment or inquire about an
existing stop payment.
Change PIN
To change your current Telephone Banking
Card Services
To activate or deactivate your debit card.
Overdraft Services
To opt-in or opt-out of our Bounce Protection
Overdraft Service program for debit card and
ATM transactions.

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Unlawful Internet Gambling Prohibition Notice

In compliance with the Unlawful Internet Gambling Enforcement Act of 2006 (UIGEA) and implementing regulations (Regulation GG) issued by the Board of Governors of the Federal Reserve System and the United States Department of Treasury, certain transactions are prohibited within your account. Our financial institution is required to notify our commercial customers of this prohibition.

"Unlawful Internet gambling" is defined by the UIEGA as placing, receiving, or otherwise knowingly transmitting a bet or wager by any means which involves the use, at least in part, of the Internet where such bet or wager is unlawful under any applicable Federal or State law in the State or Tribal lands in which the bet or wager is initiated, received, or otherwise made.

Restricted transactions" are defined in Regulation GG to be transactions in which funds are knowingly accepted by gambling businesses in connection with participation by others in unlawful Internet gambling. Restricted transactions are prohibited from being processed through this account or any account you hold with our institution. Restricted transactions generally include, but are not limited to, those in which credit, electronic fund transfers, checks, debit card or credit card transactions, or drafts are knowingly accepted by gambling businesses in connection with the participation by others in unlawful Internet gambling. Internet gambling will generally be considered to be unlawful unless verifiable authorization is obtained by an appropriate State or Tribal authority.

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“Maxi” Launches Kidz Club Program

Heritage Community Bank is proud to offer the Kidz Club program, introducing our very own mascot, Maximillion the Money Dog, also known as “Maxi”. This new program offers our customers a great opportunity to help teach children the importance of learning how to save money. Let Maxi help make learning and practicing good financial habits fun and rewarding for you and the special children in your life.

Description of the Kidz Club Program
Participation in this program is completely voluntary. The Heritage Community Bank Kidz Club program is open to children between the ages of newborn to 12 years. An account can be opened with a deposit of $5.00. All that is needed is the child’s Social Security Number and the identification of the parent or guardian who accompanies the child when opening the account. Each time the child makes a deposit into the Kidz Club account, he or she will have the opportunity to visit the “Doghouse” for a prize. Special events are planned for the Kidz Club children throughout the year, and they will also receive a birthday card from Maxi on their special day.

How the Heritage Community Bank Kidz Club Will Help Our Local Community

  • We developed the Kidz Club Program with the intention of helping to promote good, lifelong savings habits to children in our communities.
  • We wanted to be the first in our communities to develop an ongoing program that supports teaching children about the value and the need to save money and plan for the future.
  • We feel that it is important to help make it easier for parents to begin preparing the next generation to manage their personal financial future at an early age.

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FDIC Deposit Insurance Coverage

The Federal Deposit Insurance Corporation (FDIC) is an independent agency of the United States government that protects the funds depositors place in banks and savings associations. FDIC insurance is backed by the full faith and credit of the United States government. Since the FDIC was established in 1933, no depositor has ever lost a single penny of FDIC-insured funds.

FDIC insurance covers all deposit accounts, including checking and savings accounts, money market deposit accounts and certificates of deposit. FDIC insurance does not cover other financial products and services that banks may offer, such as stocks, bonds, mutual fund shares, life insurance policies, annuities or securities.

The standard insurance amount is $250,000 per depositor, per insured bank for each account ownership category.

The FDIC provides separate coverage for deposits held in different account ownership categories. Depositors may qualify for more coverage if they have funds in different ownership categories and all FDIC requirements are met.

(For details on the requirements, go to .)

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ATM/Debit Card Fraud Monitoring

In our continuing effort to protect our customers' accounts from fraudulent activity, Heritage Community Bank is utilizing a state of the art ATM Fraud Monitoring service. This service is an added layer of security that protects both your privacy and financial information.

What is ATM/Debit Fraud Monitoring?
ATM/Debit Fraud Monitoring is the process of reviewing ATM and MasterCard Debit Card transactions for potential fraudulent activity based upon previous transaction patterns. It is designed to detect fraudulent transactions and to take appropriate actions to prevent further fraudulent attempts.

How Does ATM/Debit Fraud Monitoring Work?
The ATM Fraud Monitoring service uses intelligent technology to create a profile of typical card activities. The profile is built by examining history of spending habits and identifying patterns in several areas including transaction types, geographic locations, and the frequency of transactions. Each incoming transaction is compared to the profile and any questionable transactions are flagged for review by an expert Fraud Analyst.

Will Customers be Contacted?
Yes. We will immediately contact the cardholder in the event of a questionable transaction. Although the fraud monitoring is performed 24 hours a day, seven days a week, FTC laws prohibit the Fraud Center from contacting cardholders daily before 8:00 am or after 9:00 pm in the cardholder’s time zone. If the fraud monitoring system discovers a suspicious transaction before or after these times, the Fraud Center will attempt to contact the cardholder the same day or the following day during the approved hours. We will ask the customer if they authorized the transaction. If the transaction was not authorized, we will take immediate steps to stop the transaction from processing.

What Can Customers Do?
Customers should take the following steps to assist in preventing fraud.

  • Keep all contact information up to date in the event that we must contact you regarding a questionable transaction
  • Notify Heritage Community Bank if you are traveling and will be using your card in a foreign country
  • Review your account activity on a regular basis and immediately notify Heritage Community Bank of any unauthorized transactions
  • Protect your account numbers, pin numbers, and ATM or MasterCard Debit Cards
  • Report a lost or stolen card by calling Heritage Community Bank 24-hour Telephone Banking system at (843) 383-2881 or Toll free at 1-800-299-8953

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Security Reminder

Just as a reminder, do not give any personal financial information (account number, debit or credit card number, online banking ID, password, pin, etc.) to anyone via telephone, text message, or email. The requestor may present themselves as someone from the bank; however, we will never contact you to request this information. If you receive this type of request, please call the bank immediately at 843-383-4333.

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Online Banking Security

Security & You
We appreciate your concerns regarding the security of information you exchange while conducting your online banking; therefore we have the following controls in place.

Multi-Factor Authentication – In order to prevent fraud and identity theft, Heritage Community Bank utilizes multiple pieces of information to validate identity, not just one piece of information such as a password. Our Multi-Factor Authentication system will automatically monitor your accounts for activity that is “unusual” based on your history with our institution. In the rare event that unusual activity is detected, you will be automatically asked to verify your identity by answering pre-selected security or challenge questions to which only you should know the answers.

SSL Protocol – IHeritage Community Bank’s Online Banking system access requires you to use a web browser that uses SSL protocol. SSL stands for Secure Socket Layer, which lets one computer verify another’s identity to allow secure connections.

128 Encryption – To ensure the highest level of security, we required that all users have browsers that support 128 bit encryption.

Firewalls – A firewall is a specially programmed computer that connects a local network to the Internet and, for security reasons, lets only certain kinds of messages in and out.

Passwords – Passwords are a very important part of the online banking process. When you sign up for Online Banking, you will receive special Login Codes assigned by Heritage Community Bank. These codes are for your use only. We highly recommend that you follow these guidelines when securing your codes:

  • Do not reveal your codes to anyone.
  • Avoid selecting codes based on personal information.
  • Avoid keeping written records of your codes.
  • Do not leave your computer unattended when connected to Online Banking.

If you notice any suspicious or unusual activity related to any of your accounts, contact us immediately at 843-383-4333.

We do not pass your account numbers over the Internet. When you enroll in online banking or add accounts for online access, your accounts will be assigned nicknames which are preselected to be the last four digits of your account numbers. These nicknames, also known as “pseudo names”, overwrite your full length account numbers so you have easy recognition without the risk. There are options within our online banking system that allow you to change or update these nicknames at any time so that you may name them for easier recognition.

Tips for Stronger Passwords
Passwords are an important part of computer security. A password tells a computer and/or network that you are who you say you are. Because your password allows you access to private information and to conduct transactions using your bank accounts, it should be safeguarded, carefully chosen and difficult for someone else to guess. Below are some helpful tips for creating and protecting your password.

Do not use any of the following for passwords:

  • Any part of your name - first, last or middle
  • Your initials
  • Your social security number
  • Names of friends, family or pets
  • Birthdays
  • Phone numbers or addresses
  • Any other personal information that could be guessed
  • Common place names
  • Words that can be found in English or other language dictionaries
  • Your user name or login name
  • Repetition of the same letter
  • Sequences of keyboard keys, such as "12345" or "qwerty"
  • Any minor variation of the above, such as spelling backwards or adding a number in front of or behind a word

Do the following:

  • Alpha-numeric passwords using special characters with a minimum of 4 characters, although we recommend a minimum of 8 characters
  • Make up your own acronym. Create a phrase that has meaning for you, and use the first, second or last letter of each word as the password. For example, "I like to go for bike rides" could be il2g4br or “We paid seven bills online today" could be ea7ino
  • Make up your own words that are easy to pronounce, but aren't in any dictionary. "You are too unique" becomes ur2unek
  • Use the license plate method. Use a phrase, and then squeeze it together. "Panthers are #1" becomes pnthrsr1
  • Misspelled words. Coffee becomes kauphy
  • Remove vowels from a word or phrase and add a number. "Computer" becomes cmptr8

Protect your password:

  • Memorize your password. Do not write them down
  • If you suspect that your password has been compromised, change it immediately
  • Never share your password with others, even while on vacation. You are ultimately responsible for any activity that occurs under your user name
  • Don't hint at the format of your password. (e.g., it's a family name)

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