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Upgraded Online Bill Pay Service

You have access to an easier, faster and more convenient way to pay bills. Here's how online bill pay from Heritage Community Bank will give you convenience, savings and security. You can:

  • View and pay your bills electronically, all in one place
  • Make secure payments to any person or company anywhere, anytime
  • Verify your account balance as you pay your bills
  • Automate recurring payments to save time each month
  • Receive email and text reminders when bills are due
  • View the due date and amount of upcoming bills right on your dashboard with eBill

If you have any questions regarding this upgrade or using any of the services, please contact Bill Pay Support at 844-357-7811.

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Free Mobile Banking

The Heritage Community Bank Mobile Banking App is a convenient and easy way to gain access to your Heritage Community Bank accounts, monitor account activities, and initiate routine transactions from your mobile device. Access your accounts anytime, from anywhere, using this free* service and you have the ability to:

  • Check Account Balances
  • View Transaction History
  • View Check Images
  • Transfer Funds (Internal and Bank-to-Bank**)
  • Pay Bills***
  • View Account Alerts
  • Manage ATM/Debit Cards
  • Locate Branch Offices and ATMs

Download the mobile banking app and log in with your current online banking ID and password.

App Store Google Play

*There is no fee from Heritage Community Bank for using the mobile banking App. However, connectivity and usage rates may apply. Contact your wireless service provider for more details.

**Bank-to-Bank transfer service is available for consumer accounts only. Enrollment and external account set up must be done from your personal computer before the external accounts will be available in the Transfer option of the mobile banking App. Fees may apply for funds transferred out of Heritage Community Bank.

***Must be enrolled in Online Banking and Bill Pay must be set up previously.

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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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Debit Card Travel Notification

Please notify us at 843-383-4333 if you are planning to travel so we can help prevent any inconvenience to you when using your debit card. Heritage Community Bank debit cards may be blocked for use in certain states and countries that are experiencing elevated levels of fraud. By contacting us and providing the dates and locations of your trip, we can make adjustments that will help ensure you are able to use your card when you travel.

Notifying us about your travel plans will also help our debit card Fraud Monitoring service identify transaction activity associated with your trip. Without notification, your debit card may be blocked for use when transactions appear to be outside your normal spending pattern.

In addition to alerting us of your travel plans, we also advise that you have an alternative method of payment when traveling and not solely depend on your ATM/debit card as new state and country blocks may be put in place at any given time.

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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 $5.00 or less* 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 (

*ATM withdrawal fees over $5.00 are not refunded.

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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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Enhanced Telephone Banking System

Heritage Community Bank is pleased to introduce our enhanced Telephone Banking system. Our Telephone Banking number, (800) 299-8953, has not changed, and your current Telephone Banking PIN remains the same.

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

If you have any questions about accessing or using the Telephone Banking system, please call us at (843) 383-4333. We are confident that you will enjoy the 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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Debit Card Fraud Monitoring with FICO Falcon Fraud Manager

In our continuing efforts to keep your account secure, Heritage Community Bank is utilizing the FICO Falcon Fraud Manager alert system to monitor potential debit card fraud. If suspicious activity is detected on your debit card, you will be contacted in the following ways:

  • You will receive an automatic email notification* with the option to reply with "Fraud" or "No Fraud."
  • One minute after the email, you will receive a free text message alert** which also has the "Fraud" or "No Fraud" option. Texts will be sent between the hours of 7:00 am and 9:00 pm.
  • If no response is received in five minutes, you will receive an automated phone call to confirm or deny fraud. The call will also give you the option to speak to a fraud analyst. Phone calls will be made between the hours of 8:00 am and 9:00 pm.

Remember, our messages will never ask for your PIN or account number.

The telephone number for our Fraud Center is (800)417-4592. You can add this number to your phone contacts and label it "HCB Fraud Center" to display on your phone whenever you get a call from this number. You may also add short code 32874 to your phone contacts and label it the same way.

Please call us at (843)383-4333 or email us at if you have any questions or concerns.

*The email notification service will begin in mid-August 2016.
**Fraud Center text message alerts are sent free to end user (FTEU). This is a separate service from smsGuardian transaction monitoring text alerts. For more information about smsGuardian and how to enroll in this service, click here.

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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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