Free Checking Account
Free Checking is a “no-frills” non-interest bearing demand deposit account that has no monthly base fee and no minimum daily balance requirement and requires no direct deposit.
Get started today by getting your Switch Kit.
- Monthly Fee
- No monthly base fee
- Opening Deposit
- Balance Requirements
- Electronic delivery of account statements (eStatement)
- $6.95 per month
- Customer pays for all check orders
- Other Features
- ATM/Debit Card
- Free ATM/Debit card
- Free unlimited usage of Heritage Bank’s ATMs
- $300 daily withdrawal limit / $1,000 daily purchase limit
- $1.50 to use a non-Heritage Bank ATM
- Easy to qualify – few conditions and requirements.
- Affordable for almost everyone – low opening deposit amount.
- Hassle-free budgeting – no need to track minimum balances or number of checks written each month.
- No fees for using a teller – it’s our pleasure to serve our customers!
- Convenient network of branches and ATMs located in communities where customers live and work.
- *eStatement Enrollment
Enrollment for Electronic Delivery of Account Statements (eStatements) is required within 30 days of account opening through Heritage Bank Online Banking Service at no charge:
- Failure to enroll in eStatements within 30 days of account opening will result in your account being converted to a Premium Value Account and you may incur a monthly base fee of $5.95; or
- Retraction from enrollment in eStatements will result in your account being converted to a Premium Value Account and you may incur a monthly base fee of $5.95; or
- If we become aware that you are not receiving email; we will send you a 30 day notice of conversion to a Premium Value Account and you may incur a monthly base fee of $5.95. All future notices, attachments and/or documents will then be sent to you via U.S. Mail to your last address known to us.