Get $100** when you open a new checking account.

Ready to give your new checking account a boost? Choose either our Simply Free Checking or Dividend Checking account and get $100 when you set up qualifying direct deposit.


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.

Access your checking account wherever you go.

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

Simply Free Checking

Dividend Checking

Perfect for...

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

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

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 >

**All offers subject to qualified credit. New members: subject to member eligibility and an initial deposit of $25 into a primary savings account, which must remain open for 12 months. Coupon must be presented by December 31, 2016, and prior to opening the account. Qualifying accounts must be opened within 30 days after presenting coupon. Cannot use multiple offers on same product. Promotions can change or end at any time. Each coupon may be used once per individual member account. Bonus may be taxable as income and reported on IRS Form 1099-INT. Heritage employees and their immediate families are not eligible. Void if expired, altered, reproduced or photocopied. Must not have had an open Heritage checking account in the 6 months prior to opening new account. $100 will be credited to your Heritage primary share account within 30 days of receipt of your first direct deposit of $100 or more into a new qualifying checking account. Direct deposit must be received within 30 days of opening new checking account and cannot be transferred from another Heritage account. Federally insured by NCUA. Equal Housing Opportunity Lender.

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Earn 1.00% APY* for 17 months

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