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Regular system maintenance is scheduled from midnight to 5:00 a.m. Central Time on Wednesday, June 20. During this time, Online Banking and Mobile Banking will not be available. We apologize for any inconvenience. Posted 6/18/18.

Carefree Checking

Heritage BankCarefree Checking is a basic, no minimum balance, no interest checking account.

Account Features

Additional Features and Requirements

  • Overdrafts & NSF: $33 per paid item; $36 per returned item
  • Free eStatements or $4 per month if paper statements are mailed
  • Debit card included
  • Transfer money electronically to or from your account…anytime, online

Apply Online

Check your Interest Rates


Make informed decisions about your savings and checking accounts. Click here for more
up to date rate information!



Learn more about the benefits
of FDIC Insurance coverage
for your checking, savings,
and certificates of deposits.



Mobile banking provides a secure and convenient way to manage your finances. Click here to get started with mobile banking.