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Heritage Bank, Inc.

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Heritage Freedom
No monthly maintenance fees. No minimum balance required. Heritage Freedom keeps is simple. This is a noninterest-bearing checking account.
  • Free eStatement(s)
  • Free Digital Banking:  Use your smart device or laptop to check balances, transfer funds between Heritage Bank accounts or to another institution and set up automatic bill and loan payments. Use our app for mobile deposits. Also, be sure to set up SecureAlerts so you can monitor activity on your accounts through text messages or email.
  • Unlimited Check Writing
  • Debit Card: Usually available same day when you apply at one of our branches. Debit cards are mailed to customers who open accounts online. Make purchases wherever Mastercard® is accepted.
  • ATMs: Find more than 100 surcharge-free local ATMs and more than 50,000 across the nation through the AllPoint ATM Network. Locate an ATM near you.
  • ClickSwitch: Use our faster, low-stress approach to moving your accounts to Heritage Bank. Set up your direct deposits in minutes. Reset recurring payments in a few clicks.
Heritage Checkless Checking
Avoid overdrafts. No checks. Just a debit card for purchases and cash withdrawals. Noninterest-bearing account.
  • eStatements only - No paper statements are available with this account.
  • Debit Card: Usually available same day when you apply at one of our branches. Debit cards are mailed to customers who open accounts online. Make purchases wherever Mastercard® is accepted.
  • Monthly $3.00 service fee.
  • No checks. Use your debit card to pay or to obtain cash for payment.
  • Free Digital Banking: Use your smart device or laptop to check balances, transfer funds between Heritage Bank accounts or to another institution, and set up automatic bill and loan payments. Use our app for mobile deposits. Also, be sure to set up SecureAlerts so you can monitor activity on your accounts through texts or emails.
  • ATMs: Find more than 100 surcharge-free local ATMs and more than 50,000 across the nation through the AllPoint ATM Network. Find an ATM near you.
  • ClickSwitch: Use our faster, low-stress approach to moving your accounts to Heritage Bank. Set up your direct deposits in minutes. Reset recurring payments in a few clicks.
Heritage NOW
Earn interest on your balances. Avoid maintenance fees.

Monthly maintenance fee of $9.00 is waived if a daily minimum balance of $1,000 is maintained in the account, or if you maintain a combined daily minimum balance of $2,000 in any Heritage Bank checking, savings, money market accounts and/or CDs.
  • Interest rates are subject to change and tiered according to balance. Current Rates
  • Free eStatement(s)
  • Free Digital Banking: Use your smart device or laptop to check balances, transfer funds between Heritage Bank accounts or to another institution and set up automatic bill and loan payments. Use our app for mobile deposits. Also, be sure to set up SecureAlerts so you can monitor activity on your accounts through text messages or email.
  • Unlimited Check Writing
  • Debit Card: Usually available same day when you apply at one of our branches. Debit cards are mailed to customers who open accounts online. Make purchases wherever Mastercard® is accepted.
  • ATMs: Find more than 100 surcharge-free local ATMs and more than 50,000 across the nation through the AllPoint ATM Network. Locate an ATM near you
  • ClickSwitch: Use our faster, low-stress approach to moving your accounts to Heritage Bank. Set up your direct deposits in minutes. Reset recurring payments in a few clicks.
Heritage NOW 50
Must be age 50 or older to enjoy this interest-bearing account.
Free money orders and cashier checks. Enjoy CD rate advantages.

Maintain $1,000 in account or a combined daily minimum balance of $2,000 in any Heritage Bank checking, savings, money market accounts and/or CDs to avoid the $4.00 monthly fee.
  • Interest Rates are subject to change and tiered according to balance. See our rates.
  • Free eStatement(s)
  • Free Digital Banking:Use your smart device or laptop to check balances, transfer funds between Heritage Bank accounts or to another institution and set up automatic bill and loan payments. Use our app for mobile deposits. Also, be sure to set up SecureAlerts so you can monitor activity on your accounts through text messages or email.
  • Unlimited Check Writing
  • Debit Card: Usually available same day when you apply at one of our branches. Debit cards are mailed to customers who open accounts online. Make purchases wherever Mastercard® is accepted.
  • ATMs: Find more than 100 surcharge-free local ATMs and more than 50,000 across the nation through the AllPoint ATM Network. Locate an ATM near you
  • ClickSwitch: Use our faster, low-stress approach to moving your accounts to Heritage Bank. Set up your direct deposits in minutes. Reset recurring payments in a few clicks.
Heritage Money Market Accounts
Save more by optimizing the interest on your balances. Maintain the flexibility to withdraw funds at your discretion.

Interest rates are subject to change and tiered according to balance. Check out our competitive rates. Interest compounded daily and credited monthly.
  • Free eStatements
  • Digital Banking: Monitor your balances and account activity through a smart device or laptop. Transfer funds.
Christmas Club Account
Save in advance for a happy holiday season. Short-term account.
  • Early withdrawals from this account are not permitted.
  • Account automatically closes in mid-October.
  • Check can be mailed or deposited into an account
  • Account can be reopened after November 1. No need to open a new account each year.
Personal Statement Savings
Save for big purchases and unplanned expenses. Earn interest on your balances.
  • $50.00 minium deposit to open
  • $100 minimum balance to earn interest. Interest is compounded daily and credited quarterly on the last business day of the quarter
Certificates of Deposit
Save more securely. Deposit for a specified period.
  • Current Rates.
  • EARLY WITHDRAWAL PENALTY *A penalty may be imposed for withdrawals before maturity. The penalty will be an amount equal to 1/2 of the term of interest on the amount withdrawn.
  • Interest compounded daily.
  • Check out our CD Specials - limited time offers.
6 Month Certificate of Deposit
3 Month Promo Certificate of Deposit

Minimum Deposit: $2,000
  • CD Specials
  • EARLY WITHDRAWAL PENALTY *A penalty may be imposed for withdrawals before maturity. The penalty will be an amount equal to 45 days of interest on the amount withdrawn.
11 Month Promo Certificate of Deposit

Minimum Deposit: $2,000
  • CD Specials
  • EARLY WITHDRAWAL PENALTY *A penalty may be imposed for withdrawals before maturity. The penalty will be an amount equal to 3 months' interest on the amount withdrawn.
15 Month Promo Certificate of Deposit

Minimum Deposit:  $2,000
  • CD Specials
  • EARLY WITHDRAWAL PENALTY *A penalty may be imposed for withdrawals before maturity. The penalty will be an amount equal to 6 months' interest on the amount withdrawn.
23 Month Promo Certificate of Deposit

Minimum Deposit: $2,000
  • CD Specials
  • EARLY WITHDRAWAL PENALTY *A penalty may be imposed for withdrawals before maturity. The penalty will be an amount equal to 9 months' interest on the amount withdrawn.
35 Month Promotional Certificate of Deposit
3.75% APY
Minimum Deposit: $2,000
  • CD Specials
  • EARLY WITHDRAWAL PENALTY:  A penalty may be imposed for withdrawals before maturity. The penalty will be an amount equal to 9 months' interest on the amount withdrawn.