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
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. 

Monthly Fees
Base fee of $6.95 per month.
Opening Deposit
$50.00
BillPay
$6.95 per month
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.

 

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