Personal Checking

 

Heritage Totally Free Checking

This account is great for all of your day to day needs with no minimum balance and no restrictions on the number of checks you can write.

Minimum Balance None
Monthly Maintenance Fee None
Interest Bearing No
MasterMoney ATM Card Yes
Telephone Banking Access 24/7 Yes - free
Online Banking

Yes - free

Bill Payment Account Yes - free

 


 

 Advantage Plus

Designed for the customer looking for an interest bearing checking account. It also allows you to write an unlimited amount of checks per month.

Minimum Balance $1,000.00 to waive service charges and earn interest
Monthly Maintenance Fees $10.00 per month plus $0.25 per check if balance falls below minimum
Interest Bearing Yes, calculated daily and credited monthly
Links $10,000 in a Money Market will waive minimum balance
MasterMoney ATM Card Yes
Telephone Banking Access 24/7

Yes - free

Online Banking

Yes - free

Bill Payment Account Yes - free

 



Advantage 55 Club

This club account is for the customer who is 55 years old or greater and who has a Heritage Bank savings, certificate of deposit or money market with $5,000 or more. The account is interest bearing, has unlimited check writing privileges and no monthly maintenance fees.

To qualify for the Club account, you must have $5,000 in a savings, certificate of deposit or money market

Benefits:

  • Free Checks
  • Free Cashier Checks
  • Free Money Orders
  • No service charge fee for license plate stickers
Minimum Balance No
Monthly Maintenance Fee $15.00 member fee if linked account falls below minimum balance
Interest Bearing Yes, calculated daily and credited monthly
Links To qualify for the Club account, you must have $5,000 in a Savings, Certificate or Money Market
MasterMoney ATM Card Yes
Telephone Banking Access 24/7

Yes - free

Online Banking

Yes - free

Bill Payment Account Yes - free

 



Super Advantage 55 Club

This Club account is ideal for the customer who is 55 years old or greater and does not want to have multiple accounts. Keep all of your liquid funds in one account, earn a higher interest rate and still have unlimited check writing capabilities.

Benefits:

  • Free Checks
  • Free Cashier Checks
  • Free Money Orders
  • No service charge fee for license plate stickers
Minimum Balance $5,000.00 to waive service charges and earn interest
Monthly Maintenance Fee $15.00 membership fee if below minimum balance
Interest Bearing Yes, calculated daily and credited monthly
MasterMoney ATM Card Yes
Telephone Banking Access 24/7

Yes - free

Online Banking

Yes - free

Bill Payment Account Yes - free


Senior Checking

This account is for the customer who is  62 years old or greater, has no monthly maintenance fees and allows you to write as many checks as you choose.

Minimum Balance None
Monthly Maintenance Fee None
Interest Bearing No
MasterMoney ATM Card

Yes

Telephone Banking Access 24/7

Yes - free

Online Banking

Yes - free

Bill Payment Account Yes - free



Paramount Money Market Account

This money market account is designed for the customer who is looking to earn a higher rate of interest on liquid funds.  There are three different rate tiers available with higher rates for larger balances.

Minimum Balance

$1,000.00 to waive service charges and earn interest

Monthly Maintenance Fee $25.00 if below minimum
Interest Bearing Yes, calculated daily and credited monthly
Links $10,000.00 in a Money Market will waive the minimum balance required in the Advantage Plus Checking account. 
Restrictions No more than six preauthorized withdrawals, automatic or telephonic transfers, checks, drafts, and debit card or other similar transactions are allowed per month or statement cycle.  Thereafter, a transaction fee of $20.00 per check or transfer is assessed.
Telephone Banking Access 24/7

Yes - free

Online Banking

Yes - free



Heritage Money Market Club

This Club account is for the customer who keeps a larger balance in their account. Three different rate tiers are available with higher rates for the larger balances. In addition, you are eligible for an interest bearing checking account with no minimum balance

Minimum Balance

$25,000 to earn interest

Monthly Maintenance Fee None
Interest Bearing Yes, calculated daily and credited monthly
Links $25,000.00 in a Money Market Club will waive the minimum balance required in an Advantage Plus Checking account.
Restrictions No more than six preauthorized withdrawals, automatic or telephonic transfers, checks, drafts, and debit card or other similar transactions are allowed per month or statement cycle.  Thereafter, a transaction fee of $20.00 per check or transfer is assessed.
Telephone Banking Access 24/7

Yes - free

Online Banking

Yes - free