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Personal Checking Accounts

 

Finding the account that's right for you is quick and easy with the following tools.

Checking Accounts That Fit Your Life

Whether you're a young spender, a retiree, or anywhere in between, there's a Heritage checking account that fits you. Like earning rewards? We have you covered. Prefer to keep things simple? No problem. All Heritage checking accounts are equipped with free money management tools to make your life easier.

Neighbor Rewards Checking

A free, interest-earning account that makes it easy to earn cash rewards.

  • Earn interest at a great rate
  • No minimum balance to earn rewards
  • $100 minimum deposit to open
  • 4 easy qualifications to earn higher interest

Heritage Regular Checking

An account designed for your everyday needs.

  • Unlimited check writing
  • Free check imaging
  • $100 minimum deposit to open

Compare Personal Checking Accounts

Neighbor Rewards Checking Heritage Regular Checking
Compare Accounts
Required to Open
$100*
$100
Unlimited Check Writing
Online Banking
Free
Free
Debit Card (On Approval)
Statement Check Imaging
Balance Requirement N/A
$500
Monthly Fees N/A
$5 (waived if you maintain $500 minimum balance)
Qualifications to Earn Higher Interest
Receive at least 1 direct deposit. • Complete at least 1 ACH payment. • Make at least 15 debit card purchases.** • Sign up for and agree to e-statements.
Earns Interest
 
Learn More
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*$100 minimum to open; no minimum thereafter.
**Transactions must post and settle to your account.

We want our Neighbors to earn rewards while enjoying local, friendly service from bankers who know them by name. Our checking accounts are built around our Neighbors' needs.
CrystalWade-1
Crystal Wade
Executive Vice President - Operations
Heritage Digital Banking: Schedule savings, track spending, secure finances, transfer funds, picture deposit

Personal Banking at Your Fingertips

With our mobile banking app on your smartphone, a Heritage Bank “branch” is always close by. Manage your accounts 24/7 from almost anywhere.

Checking vs. Savings Account

What's the difference?

While account features can vary, funds in checking accounts are generally liquid and used to handle everyday transactions like paying bills and making purchases. Customers typically use savings accounts as a safe place to store and accumulate funds to meet certain goals, like buying a house or building an emergency fund.

Need Checks?

Want to Show Your School Pride?

Ask us how you can score custom school spirit checks that sport your school's color and logo!

Everything you need in a bank plus we are Neighbors Serving Neighbors.

Versatile Accounts Built for Every Saver

What are your savings goals? Whether you want to build an education fund, create a safety net for seasonally slow periods, or grow a nest egg for retirement, there’s a Heritage savings account to help you get there. Earn interest to accelerate your growth, plus access a variety of free money management tools.