SIMPLE CHECKING. NO SURPRISES.
No hoops, no hassle — just a simple checking account that works whenever you do.
Benefits You'll Love
- No monthly service fees or balance requirements
- First 50 checks free to get you started
- Free digital banking with mobile deposit and bill pay
- Free Visa® debit card for everyday purchases
- Straightforward checking for your busy lifestyle
- Requires two forms of ID to open (one must be a picture ID)
- No monthly service fee1
- No minimum balance requirements
- First 50 checks are free
- Free check cashing
- Free digital banking services, including:
- Free online banking & bill pay
- No monthly fee with eStatement enrollment
- Free eStatements
- Free Visa® debit card
- $100 minimum deposit to open
1 A “Dormant Fee” of $3 may be deducted if:
- There is $100 or less in the account AND
- There is no activity or other indication in writing of interest in the account during the previous six (6) months
Your daily balance on each day is the ending balance of the account from the previous day, plus deposits and minus withdrawals made that business day.
Use this calculator to determine your projected earnings from our Heritage Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Heritage Cash*
| Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| 0 - $25,000 | $100 | 5.84% | 6.00% |
| $25,000+ | $100 | 1.00% | 6.00% to 2.00% |
| All balances if qualifications not met | $100 | 0.0499% | 0.05% |
*Qualifications
Enrollments must be in place and all of the following transactions and activities must post and settle to your Heritage Cash account during each Monthly Qualification Cycle:
- At least 12 debit card purchases
- At least 1 direct deposit, ACH credit, or ACH payment transaction
- Be enrolled in and agree to receive eStatements
Heritage Saver*
| Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| 0 - $50,000 | $20 | 1.98% | 1.00% |
| $50,000+ | $20 | 1.00% | 2.00% to 1.50% |
| All balances if qualifications not met | $20 | 0.0499% | 0.05% |
*Qualifications
Qualifying for your Heritage Cash or Heritage Cash Back rewards automatically qualifies you for the highest Heritage Saver rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Heritage Cash or Heritage Cash Back account during each Monthly Qualification Cycle:
- At least 12 debit card purchases
- At least 1 direct deposit, ACH credit, or ACH payment transaction
- Be enrolled in and agree to receive eStatements
Wisdom Elite*
|
Average Daily Balance |
APR |
APY |
|
>$100,000 |
3.50% |
3.56% |
|
$50,000-$99,999 |
3.10% |
3.15% |
|
$25,000-$49,999 |
2.65% |
2.69% |
|
$15,000-$24,999 |
1.90% |
1.92% |
|
<$15,000 |
1.00% |
1.01% |
Rates may change after account opening. Transaction fees may reduce earnings.
*APY accurate as of 2/12/2026. APY=Annual Percentage Yield. This is a tiered-rate account. Rates vary by balance tier and may change after account opening. See bank for complete tier details, transaction limitations, and fee schedules. Member FDIC.