FDIC: FDIC-Insured - Backed by the full faith and credit of the U.S. Government
FDIC: FDIC-Insured - Backed by the full faith and credit of the U.S. Government
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PERSONAL CHECKING ACCOUNTS

Checking Solutions

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Anywhere Personal Banking Tools

Nationwide surcharge-free ATM network
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Online banking and bill pay
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Mobile app with check deposit
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24-hour telephone banking
888.505.9150

Debit cards with Visa® protection
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Standard overdraft coverage
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Money Management
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Digital Wallets
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Compare Checking Accounts

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

Earn interest on your balance and rewards for your relationship.

ASCENT CHECKING

Benefits you'll use without a minimum balance requirement.

BASE CHECKING

A simple account with just the basics.

Benefits:

  • Competitive tiered interest rates
  • No fee at Heritage or MoneyPass ATMs
  • Online statements included*
  • Heritage Extras** benefits
    • Cell phone protection
    • ID theft aid
    • Roadside assistance
    • $10,000 travel accidental death coverage
    • Buyer's protection and extended warranty
    • Health savings card
    • Shop local, save local with the Heritage Extras app

Benefits:

  • No fee at Heritage or MoneyPass ATMs
  • Online statements included*
  • Heritage Extras** benefits
    • Cell phone protection
    • ID theft aid
    • Roadside assistance
    • $10,000 travel accidental death coverage
    • Buyer's protection and extended warranty
    • Health savings card
    • Shop local, save local with the Heritage Extras app

Benefits:

  • No fee at Heritage or MoneyPass ATMs
  • Online statements included*

Requirements:

  • $100 minimum to open
  • $10 monthly maintenance fee
  • Maintain a $1,500 minimum daily balance in the account to avoid the monthly maintenance fee

Requirements:

  • $100 minimum to open
  • $7 monthly maintenance fee
  • No minimum balance required

Requirements:

  • $100 minimum to open
  • $8 monthly maintenance fee
  • Maintain a $300 minimum daily balance in the account to avoid the monthly maintenance fee
 

*$3 for paper statements/$5 with check images.

**Heritage Extras powered by BaZing benefits include cell phone protection; roadside assistance; $2,500 personal identity protection; identity monitoring; $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 Benefits Guide (PDF).

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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.

Connect with a banker
 

Save, Track & Manage 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 remote deposit
Making a deposit is as simple as snapping a photo from your smartphone or tablet.

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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.

Money Management
A free financial management tool to keep you on track even when you are on the go. Control spending, set budgets, get alerts, view trends, manage a debt plan and more.

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Bill Pay
Skip the trip to the mailbox and pay your bills online 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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Digital Wallets
Make purchases fast and easy with your phone. Simply add Heritage Bank debit card(s) to your digital wallet and start shopping at thousands of merchants nationwide.

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Heritage Extras Powered by BaZing*

Cell Phone Protection

Cell Phone Protection
A cell phone protection plan to reimburse costs for repair or replacement, up to $600 per claim or $1,200 per year.

Roadside Assistance

Roadside Assistance
Roadside service for up to $80 per occurrence.

Identity Theft Protection

Personal Identity Theft & Restoration Benefits
Reimbursement for covered expenses incurred to restore identity and resources to guide through the process.

Buyer's protection

Buyer's Protection and Extended Warranty
Items purchased with your BaZing checking account can be reimbursed or replaced if an accident or theft occurs within 180 days of purchase.

Travel Insurance

Travel Accidental Death Insurance
Covers loss of life to an accident while travelling by licensed common carrier, $10,000 per eligible account holder.

Shopping & Dining Discounts

Savings Network
Online discounts for travel, entertainment, recreation, shopping, and more.

Health Savings Card
Discounts and preferred pricing for prescriptions, eye care and hearing services at participating providers.