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Secure Checking

Secure Checking is our budget checking account that you may open with as little as $100.00. There is no minimum balance requirement, and the account provides you with Cellular Telephone Protection and IDProtect, an identity theft protection service. A $4.95 maintenance fee is charged monthly; however, you can enroll in eStatements to receive a $1.00 monthly credit to your account. You may view copies of your checks online.

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Student Checking

If you are a full-time student less than 23 years of age, you qualify for our Student Checking Account. You may open this account with as little as $100.00 and your student ID. There is no minimum balance requirement and no monthly maintenance fee. You may view copies of your checks online. At age 23, you will no longer qualify for this account.

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Senior Secure Checking

If you are age 62 or over, you qualify for our Senior Secure Checking Account. You may open this account with as little as $100.00. There is no minimum balance requirement, and the account provides you with Cellular Telephone Protection and IDProtect, an identity theft protection service. A $4.95 maintenance fee is charged monthly; however, you can enroll in eStatements to receive a $1.00 monthly credit to your account. Copies of your checks are included with your monthly statement and may also be viewed online. Additional benefits include:

  • Unlimited custom check orders at no charge
  • No issuance fee on official checks
  • $10.00 discount on safe deposit box rental

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Interest Checking

Our Interest Checking Account pays interest on your daily collected balance and interest is compounded daily and credited to your account monthly. An opening balance of at least $100.00 is required and you must maintain an average daily balance of $500.00 or more to avoid the monthly maintenance fee of $10.00. You earn interest each day the collected balance is $500.00 or more. Copies of your checks are included with your monthly statement and may also be viewed online.

Interest Tiers on Interest Checking:

  • $500.00 – $2,499.99
  • $2,500.00 – $4,999.99
  • $5,000.00 or more

Rates and annual percentage yields will vary; check with bank personnel for current rates. Other miscellaneous fees may apply.

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Heritage Premier Checking

Our Heritage Premier Checking is our elite checking account. A minimum balance of $10,000.00 is required to open the account and an average daily balance of $10,000.00 or more must be maintained to avoid a monthly maintenance fee of $20.00. Interest is earned on a daily collected balance of $10,000.00 or more. Copies of your checks are included with your monthly statements and may also be viewed online. Additional benefits include:

  • Heritage Premier Checking checkbook cover
  • Unlimited custom check orders at no charge
  • Free 3X10 Safe Deposit Box or credit toward a larger box

Interest Tiers on Heritage Premier Checking:

  • $10,000.00 – $49,999.99
  • $50,000.00 or more

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