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Heritage Direct Savings Account

Heritage Direct Savings is an all-electronic account that you manage online which pays our most competitive savings rate.

Account Features

  • 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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