LET GO of HIGH checking fees. Open a new checking account today.
No monthly fees. Deposit checks. Text money to friends.
Choose from free checking or an account that pays you dividends. Apply online in just a few minutes.
"Left Chase bank to come to Heritage, holy cow was it worth it. No monthly fees, no minimum in your account."
— Gabbi, Heritage Member
Our checking accounts include a free debit card, a surcharge-free nationwide ATM network, and innovative online and mobile banking features, plus much more! Choose from...
Simply Free Checking — Our most popular checking account.
- No minimum balance or maintenance fee
Save More Checking — A great choice if you want a competitive rate.
- Earn 0.25% APY* on Save More Checking balance $3,000- $19,999
- You're qualified for our exclusive Save More Savings account
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
*APY is annual percentage yield as of March 24, 2021 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.
Federally insured by NCUA. Equal Housing Opportunity Lender.