Checking Accounts at Heritage Bank

Interest Bearing and Premium Checking Accounts

Heritage Bank offers the following checking accounts:

Heritage Bank also offers a free checking account.

Interest Checking Account

Interest Checking is a personal interest-bearing demand deposit account that pays interest according to set minimum balance tiers.

Monthly Fees
$10.00 monthly base fee or $1000.00 minimum daily balance.
Opening Deposit
$50.00
Interest
Interest paid monthly and compounded daily on collected balances of $1,000 or more.
Interest Tiers
  • $0.00 - $999.99 Tier I - No interest earned
  • $1,000.00 - $9,999.99 Tier II
  • $10,000.00 - $24,999.99 Tier III
  • $25,000.00 and over Tier IV
BillPay
$6.95 per month
Checks
Customer pays for all check orders
Other Features
  • Free unlimited check-writing
  • Free Online Banking
  • Free Telephone Banking
  • Free check image statements
  • Access to other financial services including Direct Deposit and electronic transfers
ATM/Debit Card
  • Free ATM/Debit card
  • Free unlimited usage of Heritage Bank ATMs
  • $300 daily withdrawal limit / $1,000 daily purchase limit
  • $1.50 to use a non-Heritage Bank ATM (waived if the minimum balance requirement is met.)
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Premium Account

The Premium Account is an account package geared to customers who maintain a high-balance in their checking account. The account pays interest according to set minimum daily balance tiers and offers a number of other bank-related perks for those that prefer a flat monthly base fee that will be waived if the customer maintains a minimum daily balance of $25,000.

Monthly Fees
Base fee of $9.00 that can be waived if minimum daily balance of $25,000 is maintained.
Opening Deposit
$50.00
Interest
Interest paid monthly and compounded daily on collected balances of $1,000 and over.
Interest Tiers
  • $0.00 - $999.99 Tier I - No interest earned
  • $1,000.00 - $24,999.99 Tier II
  • $25,000.00 - $49,999.99 Tier III
  • $50,000.00 - $99,999.99 Tier IV
  • $100,000.00 and over Tier V
BillPay
Free - $83.40 annual value
Statement
Monthly statement with check images
Checks
$10 credit on specialty checks or Free standard checks
Travelers Cheques
Free - no limit
Safe Deposit Box
Free 3" x 5" (if available) or $25 credit towards larger box
Credit Card
First year annual fee waived on Visa or Mastercard Platinum Card with DreamMiles Rewards program.

DreamMiles Rewards program features include:

  • One mile earned for every $1.00 in purchases.
  • Program allows cardholders to redeem miles for travel and leisure (including airline travel), select merchandise, select retailers and select dining and entertainment establishments.
Other Features
  • Free unlimited check-writing
  • Free Online Banking
  • Free Telephone Banking
  • Free standard, personalized "Premium Account" checks
  • Free Travelers Cheques and Official Checks
  • Free Safe Deposit Box for life of account
  • Free check image statements
  • First year annual fee waived on Visa or Mastercard Platinum Card*
  • Access to other financial institution services including Direct Deposit and electronic transfers
ATM/Debit Card
  • Free ATM/Debit card
  • Free unlimited usage of Heritage Bank ATMs
  • $300 daily withdrawal limit / $1,000 purchase limit
  • $1.50 to use a non-Heritage Bank ATM
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Premium Value Account

The Premium Value Account is designed to provide complete value to your checking account.  The account has a base fee of $6.95 per month with no minimum balance requirements.  The account offers a bundled package of services that protect you and your family.

Monthly Fees
Base fee of $6.95 that covers all of the added benefits.
Opening Deposit
$50.00
BillPay
$6.95 per month
Payment Card Protection

Protect all your credit, debit, ATM and check cards in the event of loss or theft! Register your card numbers and with one phone call, you may cancel cards, stop unauthorized purchases and request new cards using our toll-free 24-hour number.

Everywhere Cash SavingsSM1

Saving at favorite retailers has never been easier! You can simply go online and click or print your way to savings. You earn cash back when you shop online using your registered credit or debit card, and the savings are automatically refunded to your monthly statement. Or, you can select from a wide variety of coupons to print and use in-store. Choose from recreation savings, dining specials, auto and home services, and more.

Credit Alert®2

With 24-hour, daily credit monitoring, you'll be alerted automatically of certain negative changes to your credit. While it can't prevent identity theft, Credit Alert® can greatly reduce its impact by allowing you to minimize the damage. In the unfortunate event you receive notification of a negative change, you'll be provided with access to the Credit Information Hotline. The hotline is staffed with trained individuals ready to provide answers to commonly asked questions. If there are no changes to your credit, you'll even receive a quarterly notification letting you know that nothing has changed. Your initial enrollment in Credit Alert® will be valid for one year with an option to re-enroll at no additional cost!

Discounted Gift Cards

With this valuable savings benefit, you can purchase gift cards worth $25 from well-known merchants for friends, family members or even yourself while enjoying a discount off the face value of each card.

Identify Fraud Support Service

In the unfortunate event that Identity Theft does occur, members will receive guidance in the recovery process. Professional help is available to assist in organizing paperwork, notifying creditors, obtaining legal counsel, and more.

Ask a branch representative for more benefits offered with our Premium Value Account.
Other Features
  • Free unlimited check-writing
  • Free Online Banking
  • Free Telephone Banking
  • Access to other financial institution services including Direct Deposit and electronic transfers
ATM/Debit Card
  • Free ATM/Debit card
  • Free unlimited usage of Heritage Bank ATMs
  • $300 daily withdrawal limit / $1,000 purchase limit
  • $1.50 to use a non-Heritage Bank ATM
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*Credit cards subject to credit approval and minimum House Hold annual income of $35,000 is required.

1 For cash back rewards, you must access the retailer's link through the website provided and use the credit or debit card you have registered to be eligible for rewards. Credit will be issued automatically to your registered card within 90 days from date of purchase. Participating merchants may change at any time without notice. Certain restrictions and limitations may apply.

2 Credit Alert® is not a credit counseling service and does not promise to help you obtain a loan or improve your credit record, history or rating. The Credit Alert® service may be modified or improved at any time and without prior notice. Credit Alert® is a registered service mark of Affinion Publishing, LLC. Daily monitoring will notify members of any inquiries, certain derogatory information, accounts, public records or change of address that have been added to their credit reports as reported by one of the major credit reporting agencies. If no information has been added or changed, then the member will receive a quarterly notification stating that no information has changed within their credit file. Neither the Plan Administrator, the provider of the Credit Alert® service, or its credit information subcontractors, nor Financial Services Association shall have any liability for the accuracy of the information contained in the Credit Alert® reports which you receive, including any liability for damages, direct or indirect, consequential or incidental.

©2011, Affinion Benefits Group, LLC

FDIC offers insurance coverage up to $250,000.00 per customer.