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Bank better — Open a Heritage checking account today.

image of woman opening Heritage Credit Union checking account

No monthly fees. Completely free online banking. No minimum balance to open.

Let go of high checking fees. Choose from free checking or an account that pays you dividends. Apply online in just a few minutes.

Or, find your local Heritage branch.


Save time managing your accounts with these free mobile banking features:

  • Check Deposit — deposit checks anywhere, anytime using your mobile device
  • Pay a Friend — send money to almost anyone using text or email
  • External Transfers — transfer funds from other banks and credit unions to your Heritage checking account
  • Debit On/Off — switch your debit card on or off to help protect your account

Checking accounts you can count on.

Choose from free checking or an account that pays you dividends. Our shared branching and ATM networks provide thousands of locations to access your funds.

Checking Accounts Table

Simply Free Checking

Dividend Checking

Save More 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. Those who keep a high checking account balance and want to earn a higher rate.
Minimum to Open $0 $0 $0
Minimum Balance $0 $500 $0
Monthly Fee No $6 — if balance falls below $500 No
Earn Dividends No

Yes

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

See Rates

Yes

Earn 0.25% APY** on daily balances of $3,000 - $19,999 and 0.02% APY** on balances of $20,000 and over (calculated daily and paid monthly)

See Rates

Per Item Fee No No No
Free Online & Mobile Banking Yes Yes Yes
Direct Deposit Yes Yes Yes
Overdraft Protection Limit (Member Privilege) $500 $750 $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)

Yes

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

Debit Card Yes Yes Yes
Free Checks No Yes No

Deposits are federally insured up to $250,000 by the National Credit Union Administration.

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 or click here to apply for your new checking account online.

Order Checks

Order checks online
Contact your local branch


 

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