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PERSONAL CHECKING ACCOUNTS

Checking solutions that fit your life? Check.

 

Our anywhere personal banking tools come with every account.

Nationwide Surcharge-free ATM Network
Find an ATM

Online Banking and Bill Pay
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Mobile Banking with Remote Deposit
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24-hour telephone banking
(888) 505-9150

Debit card with Visa protection

Standard overdraft coverage
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Online statements

 
 
 

Compare core checking accounts.

All accounts feature a $100 minimum opening deposit and unlimited check writing.
  SUMMIT

Want rewards for your relationship and interest?

ASCENT

Want benefits you'll use and no minimum balance requirement?

BASE

Looking for just the basics?

Earns interest Yes No No
Monthly maintenance fee $8
Waived when $1,500 minimum balance is met

$6
No minimum balance required

$7
Waived when $100 minimum balance is met
Dime a Time Rewards* No Yes Yes
Free eStatement
$3 fee for paper statement, $5 with check images
Yes Yes Yes
Heritage BaZing** benefits, with cell phone protection, roadside assistance and more Yes Yes No
 

*Dime a Time Rewards: Earn $0.10 for every credit transaction (signature, non-PIN based) using your Visa debit card.

**Heritage BaZing benefits include cell phone protection; roadside assistance; $2,500 personal identity protection; identity theft assistance; $10,000 travel accidental death insurance; shopping and dining discounts from local and national retailers; nationwide travel, hotel, recreation and entertainment discounts; savings on prescriptions, vision services and hearing aids. For additional information, please see the BaZing disclosure (PDF).

See deposit rates
See fees
 

Out-of-the box checking solutions

PREMIER CHECKING
If you have $50,000 or more in combined deposits, this is the account for you. Get the best interest rates on your deposits, plus other benefits like online and mobile banking, Bill Pay, free checks and more.

 

Services to help you save, track and manage your money.

Overdraft Coverage
Overdraft Coverage allows a checking account to be overdrawn to pay for items when funds are insufficient. Limits and fees apply.

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Mobile Deposit
Making a deposit is as simple as snapping a photo from your smartphone or tablet.

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Popmoney®
Now you can pay people the easy way-using just an email address and/or cell phone number to send money. No checkbooks, no cash, no hassle.

Learn more 
Popmoney FAQs (PDF) 

FinanceWorks
Get your complete financial picture, all in one place-free with your Heritage account. Manage your bills, see where you're spending money, categorize expenses and more.

Dime a Time Rewards
Earn $0.10 for every credit card transaction (signature, non-PIN based) using your Visa debit card. Select accounts only.

External Transfers
Move money between your accounts with us and other financial institutions all from a single dashboard.

SaveUp
Build savings with every item purchased with your Visa debit card. SaveUp rounds every purchase to the nearest dollar and transfers the excess amount to your savings account.

Online Bill Pay
Skip the trip to the mailbox and pay your bills in just a few clicks. Set up recurring online payments and rest easy knowing your bills will be paid on time, every time.

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Health Savings Account (HSA)
Get more control over your health care decisions while earning tax-free interest. Pay for eligible medical expenses with your HSA account when you have a qualified high deductible health insurance plan (HDHP).

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CardValet
Control debit card usage and spending on the go with the app that lets you turn your debit card on and off, create transaction limits and more.

Learn more
Download app
CardValet quick tips (PDF)
Using CardValet (video)
 
 

Need help finding the right fit?