Home | Business Banking Deposit Services Cash Management Lending Leasing Credit Cards Courier Investment Business Specials BizPay Professional Packages Commercial Connection Consumer Alert Remote Deposit | Personal Banking Free Checking Interest Checking Savings Accounts CDs IRAs Lending Options Credit and Debit Cards Online Banking BillPay Mortgage Loans Specials Telephone Banking Consumer Alert | About Us Our Vision Key Facts and Figures Executives Board of Directors Careers History Investor Relations | Locations | Customer Service Business Banking Contact Personal Banking Contact View Copy of Checks Reorder Checks Order Copy of Statement Change of Address | Contact Us Business Banking Contact Personal Banking Contact Your Company Can Bank On Our Experience Remote Deposit is here. Click to learn more.   Home / Personal Banking / Savings Accounts Please Select Online Banking Commercial Connection Savings Accounts Savings Account Money Market Account Savings Account The Savings Account is a safe place for customers to keep cash that they do not need access to on a regular basis while allowing them to earn interest. A low minimum balance requirement makes this an ideal savings account for those just starting a savings plan or those who do not maintain balances high enough to earn the higher rates on the Money Market Account and longer-term investment products. To see product specifics, click here. Monthly Fees/ Balance Requirements   None if minimum daily balance of $100 is maintained. $3.00 monthly base fee if balance falls below $100. $2.00 per withdrawal if more than two withdrawals per month.   Opening Deposit   $50.00 ($5.00 for minors)   Interest   Earns Heritage Bank Savings Rate. Interest is compounded daily and paid quarterly on collected balances. (Minimum $5.00 to earn APY)   ATM/Debit Card   ATM card offered on this account.   Other Features Free Online Banking Free Telephone Banking Access to other banking services including Direct Deposit and electronic transfers.   Statement   Quarterly statement (Monthly statement if there is activity on the account.)   Online Banking   Free Online Banking.   BillPay   Not offered with this account   Withdrawal/ Deposit Slips   Pre-printed deposit and withdrawal slips offered at no charge.   Benefits Easy to qualify - few conditions and requirements. Free to minors (under age of 18). Low opening deposit amount - affordable for almost everyone. Back to the top Money Market Account The Money Market Account combines the convenience and flexibility of limited liquidity with the ability to earn a higher rate of return than a savings account or other investment instrument. The account pays interest according to set minimum balance tiers. Restrictions apply to the number of third-party checks, pre-authorized and automatic transfers. To see product specifics, click here. Monthly Fees/ Balance Requirements   $10.00 monthly base fee unless minimum daily balance of $1,000 is maintained. $5.00 fee for each transfer over six during monthly statement cycle.   Opening Deposit   $50.00   Interest   Interest paid monthly and compounded daily on collected balances of $1,000 and more.   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   Other Features Free Telephone Banking Free Online banking Six monthly transfers allowed by preauthorized, automatic, or telephone with up to three by check, draft, debit card, or similar order to third-parties* Free check image statements Access to other financial services including Direct Deposit and electronic transfers. *Note: Excessive withdrawal restrictions are guidelines set by banking regulators and complied with by Heritage Bank.     ATM/Debit Card Free ATM/Debit Card Free unlimited usage of Heritage Bank's ATMs $300 daily withdrawal limit / $1,000 daily purchase limit     Statement   Monthly statement with check images   Online Banking   Free Online Banking   BillPay Not available with this account   Checks   Free   Benefits Limited liquidity plus better rate of return than a Savings Account. Balance options offering tiered interest levels - customer chooses terms to fit personal budget. Affordable fees - customer can control or eliminate fees by maintaining required balances and limiting transfers, withdrawals and third-party checks. 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.