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Bank better — Open a Simply Free Checking account today.

No monthly fees. Completely free online banking. Get a $100 new account bonus.

Get a $100 bonus when you open a new checking account with direct deposit.º Use promo code 100CHECKWEB when you apply online or when you visit your local branch.

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


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

See Rates


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


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


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


(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


°All offers subject to qualified credit. New members: subject to member eligibility and an initial deposit of $5 into a primary savings account, which must remain open for 12 months. Accountholder must be 16 years of age or older to redeem offer. Promo code must be presented by September 30, 2021, and prior to opening the account. Qualifying accounts must be opened within 30 days after presenting promo code. 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 new to Heritage (not transferred from another Heritage account) and received within 30 days of opening new checking account. Direct deposit must be an electronic deposit of your paycheck, pension, or government benefits (such as Social Security) from your employer or the government. Transfers from external accounts do not qualify. **APY is annual percentage yield as of January 1, 2020 and is subject to change without notice. Earn 0.25% APY on balances from $3,000- $19,999, when you maintain a daily minimum balance of $3,000. Balances over $20,000 earn 0.02% APY. Balances from $0-$2,999 earn 0% APY. No minimum or maintenance fees.

30 Year Fixed Mortgage

2.875% Rate, View all mortgage rates >

Auto Loan

24 Months, as low as 1.99% APR*