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Personal
Checking Accounts
Reward Checking
 Reward Checking is a high-interest checking account with no minimum balance, and refunds on your ATM fees! Open
an account with $50 or more today!
Your Rewards
- Earn our highest yielding checking interest rate, currently 2.55% APY
- Automatic refunds of your ATM fees, nationwide! (maximum of $25 per month)
How You Qualify
- Make 10 or more check card transactions (excluding ATM transactions)
- Have at least one direct deposit or automatic payment (ACH)
- Receive a monthly E-Statement
Even if you don't meet the monthly incentives, you still receive:
- Free checking account with no minimum balance and no monthly fees
- 0.10% APY
How
to open a new account or convert an existing account
Opening
an account online is easy. Learn more about how to open a new account or how to convert an existing Heritage Bank checking account, including information you'll need to apply.
Additional Features
- Interest paid on balances of $.01 or greater
- Free Visa Check Card*
- The Annual Percentage Yield (APY) is in effect as of Wednesday, November 19, 2008. Rates may change without notice after account is opened. Fees may reduce earnings
- If you do not meet the requirements during a monthly statement cycle you will earn the Standard APY of 0.10% and will not receive ATM refunds for that time period
- Available to personal accounts only
- Variable interest rate may change daily; Interest calculation is based on average available (collected) balances and is compounded monthly
- If you close your account before interest is credited, you will not receive the accrued interest
- Overdrafts and NSF: $27 per item
- $25 fee if account is closed within 90 days of opening
- For more details, see our Account Terms and Conditions
Important Information About Procedures for
Opening a New Account
To help the government
fight the funding of terrorism and money laundering activities,
Federal law requires all financial institutions to obtain, verify,
and record information that identifies each person who opens an
account. What this means for you: When you open an account,
we will ask for your name, address, date of birth, and other information
that will allow us to identify you. We may also ask to see your
driver's license or other identifying documents.
During the approval process it may be found that
additional information or documentation may be necessary in order
to open the account. We will contact you for any additional information
needed to open your account.
Account Disclosure
Federal banking regulations require that you read the account disclosure when you apply for a bank account. Click here to read the Reward Checking Account Terms and Conditions.
*$1/transaction if used at non Shazam ATMs.
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