Checking Accounts

Looking for an easy way to stay on top of your finances? Greenville Heritage Federal Credit Union offers checking account solutions that combine convenience, flexibility, and financial tools to support your goals. Our checking accounts are perfect for everyday money management—whether you want to track spending, set budgeting habits, or access your funds on the go. Members enjoy seamless digital banking, no-fee options, and valuable perks designed to make financial wellness simple and stress-free.

24/7 Account Access with Home Banking and Mobile Banking
Enroll in e-Statements
Remote Deposit Capture
Online Bill Pay and Direct Deposit
Access to 30,000+ Surcharge-Free ATMs
Link account to Zelle®

DEBIT CARD FEATURES:

Basic Checking, Heritage Advantage Checking and New Horizon Checking come with contactless Visa® debit card.
Debit cards can be printed on demand, at time of account opening at the Downtown and Simpsonville branch locations.
Link your debit card to your Digital Wallet: Apply Pay, Google Pay
Enroll debit card into Round Up Savings Program.
Debit Card controls available in Home Banking and the GHFCU 2 Go! Mobile App.
Debit card daily limit increases can be requested on day of transaction from time of approval to midnight of the same day.
ATM Debit card limit is $300 daily (5pm to 5pm).

Checking Account Options

Basic Checking

Looking for a simple, stress-free way to manage your money? Greenville Heritage Federal Credit Union’s Basic Checking Account is designed with credit union members in mind—no hidden fees, no surprise charges, just straightforward banking that helps you save every month. It’s the perfect fit for your everyday personal checking needs, giving you the freedom to focus on what matters most.

Opening deposit of just $50, you can enjoy access to all the product features listed above.
Unlimited check writing privileges and a free starter kit including temporary checks.

Heritage Advantage Checking

Earn 5.127% APY* on balances up to $15,000 with the Heritage Advantage Checking Account!

No Monthly Maintenance Fees. No Minimum Balance Requirement.

Upgrade your Checking. Amplify your Returns! With an opening deposit of just $100, you can enjoy access to all the product features listed above. Just meet the following requirements each month:

Maintain eStatements.
Have 1 direct deposit or ACH credit transaction of $500 or more per month.
Make 15 or more debit card transactions per month. (Automatic drafts do not count toward the 15 transactions. Qualified transactions are limited to in-person payments using your debit card at retail locations, gas pumps, restaurants, etc.)
Use Home Banking at least once per month.

_{*APY is Annual Percentage Yield. 5.127% APY effective 04/01/2025. Certain credit requirements must be met. Limit one account per member. Not available on business accounts. $100 Minimum Opening Deposit. Balances above $15,000 will earn corresponding Money Market rate. Dividend reverts to regular checking rate if requirements are not met in a particular month. APY subject to change based on market conditions.}

New Horizon Checking

Everyone deserves a fresh start—and our New Horizon Checking Account is here to help you take that first step. Specially designed for members who’ve faced past banking challenges, this account offers a safe, supportive way to rebuild your financial foundation. With tools to help you manage your money confidently and responsibly, New Horizon Checking is your gateway to a brighter financial future.

Minimum opening deposit of $50.
No minimum monthly balance.
Monthly maintenance fee of $15.
Direct deposit is required for Courtesy Pay overdraft protection.
After a year of responsible use, members can request an upgrade to Basic Checking.

Money Market Checking

Ready to make your money work harder for you? Our tiered, high-yield Money Market Accounts offer the perfect balance of growth and security—so you don’t have to choose. As a valued Greenville Heritage Federal Credit Union member, you’ll enjoy competitive rates that increase with your deposit, giving you more earning power while keeping your funds accessible. It’s smart, stable investing made simple.

Receive six free withdrawals per month.
A $10 monthly fee applies if the balance falls below the $1,000 minimum balance requirement.

Ready to Open your GHFCU Checking Account?

If you are already a member, you can open your checking account by logging in to Home Banking. If you prefer to open your account in person, simply visit any of our convenient branch locations. For your convenience, our Main/Downtown and Simpsonville branches are open until 5:30 p.m. on Thursday and Friday.

To open a checking account, applicant must provide the following:

Two valid forms of ID. (See below.)
A soft pull credit check.

OPEN AN ACCOUNT

Forms of Identification

What forms of identification are acceptable?

For membership, the following is a list of acceptable identification. The ID provided must show your name, residence, and date of birth. One form of identification MUST be a government-issued photo ID like a(n):

Un-expired State Driver’s License or State Identification Card (If your address is different from the one on your driver’s license, please bring a recent utility bill with the correct address.)
Un-expired Commercial Driver’s License
Military ID card
Federal Government Employee ID Card
Permanent Resident Card
Passport
Alien Registration Card, Nonresident Alien Border Crossing Card, Nonimmigrant Visa and Border Crossing Card, or Employment Authorization Card
Matricula Consular Card

The second form of identification can be from the group above or one of the following: