Heritage Direct Savings is an all-electronic account that you manage online which pays our most competitive savings rate.
- Open an account with $1,000 or more (must apply through our web site)
- Minimum balance of $1,000 required to earn interest
- $17 monthly service charge if account balance falls below $1,000 (daily minimum ledger balance); fees could reduce earnings
- Six free withdrawals allowed per month, $3 for each additional withdrawal*
- Monthly eStatements required; Must have valid email address to open account
($4 per month if you fail to enroll and paper statements are sent to you through U.S. Mail )
Additional Features and Requirements
- Variable interest rate may change daily; Interest calculation is based on daily (collected) available balances and is compounded monthly
- Debit Card not available
- Overdrafts and NSF: $33 per paid item; $36 per returned item
- $30 fee if account is closed within 6 months of opening
- Transfer money electronically to or from your account…anytime, online
- Account holder must have a linked checking account (at any financial institution chartered in the U.S.) which can be used to transfer money from this account
*Preauthorized, telephone, and online banking transfers are limited to a combined total of six per month as prescribed by federal regulations governing savings accounts. If you surpass this limitation during two months within a 12-month rolling period, your account will be charged $30.00.
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