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.}

Rebuild your credit with our New Horizon Checking Account, designed for individuals who have had serious banking issues in the past. After the minimum opening deposit of $50, there is no minimum monthly balance and members pay a 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.

Searching for a good investment? Now you don’t have to choose between growth and safety with our tiered, high yield, Money Market Accounts. The more you deposit, the more you earn! You will receive six free withdrawals per month. A $10 monthly fee applies if the balance falls below the $1,000 minimum balance requirement.