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Checking accounts you can count on.

We offer a basic, truly free checking account for those that crave the simple, and another account that pays you back in dividends. Our shared branching and ATM networks provide thousands of locations to access your funds. Deposits are federally insured up to $250,000 by the National Credit Union Administration.

Save time managing your accounts with these mobile banking features:

  • Pay a Friend — send money to almost anyone using text or email.
  • External Transfers — transfer funds from other financial institutions to your Heritage account.
  • Debit On/Off — switch your debit card on or off to help protect your account.
  • And more... view an interactive menu of all our features >

Compare our checking accounts to determine the best choice for you.

Checking Accounts

Simply Free Checking

Dividend Checking

Perfect for...

Those who manage accounts electronically, and love a bunch of free features.

Those who still prefer to write checks, and wish to earn dividends.

Minimum to Open

$0

$0

Minimum Balance

No

$500

Monthly Fee

No

No fee if balance remains at or above $500 (otherwise $6)

Earns Dividends

No

Yes

Earns dividends on a daily balance of $100 or more (calculated daily and paid monthly)

See Rates

Per Check Fee

No

No

Direct Deposit Available

Yes

Yes

Overdraft Protection Limit

(Member Privilege)

$500

$750

 

Free ATM Access

Yes

(unlimited free access at Heritage and Alliance One ATMs, all others 4 free per month)

Yes

(unlimited free access at Heritage and Alliance One ATMs, all others 4 free per month)

Debit Card

Yes

Yes

Free Online & Mobile Banking

Yes

Yes

Free Checks

No

Yes

Shared Branching Access

Yes

Yes

Access your checking account wherever you go.

Ready to switch checking accounts to Heritage?

Download our account switch kit and stop by your local Heritage branch to get started today or submit this online form to begin the process.

Order Checks

Order checks online > 
Contact your local branch >

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