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Click to learn more.   Home / Personal Banking / Interest Checking Please Select Online Banking Commercial Connection Interest Bearing Checking Accounts Interest Checking Account Premium Account Interest Checking Account Interest Checking is a personal interest-bearing demand deposit account that pays interest according to set minimum balance tiers. To see product specifics, click here. 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   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.)   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   BillPay   $6.95 per month   Checks   Customer pays for all check orders   Benefits Maximum liquidity, competitive rate of return. Convenient balance options offering tiered interest levels - customer chooses terms to fit personal budget. No-hassle, free unlimited check-writing - no need to track number of checks written. Convenient, free imaged-record storage typically not offered by competitors. Convenient network of branches and ATMs located in communities where customers live and work.   Back to the top Premium Account 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. To see product specifics, click here. Monthly Fees/Balance Requirements   Flat monthly 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   ATM/Debit Card Free ATM/Debit card $1,000 daily withdrawal limit / $3,000 purchase limit Free unlimited usage of Heritage Bank ATMs $1.50 to use a non-Heritage Bank ATM   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   Statement   Monthly statement with check images   BillPay Free - $83.40 annual value   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. *Credit cards subject to credit approval and minimum House Hold annual income of $35,000 is required.   Benefits Maximum liquidity, best available competitive rates of return. Convenient balance options offering tiered interest levels - customer chooses terms to fit personal budget. Attractive, affordable package of banking services providing real value and out-of-pocket savings to savvy customers who appreciate and expect rewards for their financial success. No hassle, free unlimited check writing - no number of checks to track. Free, personalized standard "Premium Account" checks allowing customers to be easily recognized and offered free Premium Account services with no questions asked. Convenient, hassle-free higher ATM daily withdrawal limits. Value-added credit card program providing travel and dining discounts. Convenient, free imaged check records typically not offered by competitors. Convenient network of branches and ATMs located in communities where customers live and work. Back to the top Investor Relations      |      Reorder Checks      |      Feedback      |      Security      |      Privacy Member FDIC | Equal Housing Lender ©2008 Heritage Bank. Serving the Southern Crescent of Metro Atlanta. 101 North Main Street, Jonesboro, Georgia, 30236. All rights reserved.