Heritage No-Fee Business Checking

As a service for the small to medium business, Heritage First Bank offers an absolutely free checking account as outlined below:

• No minimum balance requirement
• No monthly fees
• No per item charge on first 300 debits per month ($.25 per item thereafter)
• Free wallet style checks or discounted business checks
• Low $100 opening minimum deposit
• Free image statement of cancelled checks
• Free MasterMoney™ debit/ATM card
• Free 1st year small safe deposit box or $30 discount on larger safe deposit box
• No charge for internet banking with bill pay
• Free 24-hour ATM access at any Fidelity Financial Services (Intercept) network ATM
• 24-hour telephone banking
• Free notary service
• Free official bank checks (up to 3 per month)
• Night depository service

Heritage Business Checking

As a community service, Heritage First Bank offers Heritage Business Checking with no monthly maintenance fee to non-profit organizations.

• $100.00 minimum opening deposit
• $10.00 monthly service charge, waived with a $2,000.00 average daily collected balance 
•  No charge for  first 400 items per statement cycle and only $0.25 per item over 400

Heritage Commercial Checking

Heritage First Bank offers businesses an opportunity to offset service charges with an earnings credit on deposited funds. The earnings credit is applied to charges and can significantly reduce the amount of fees incurred.

• $100 Minimum Opening Deposit
• $10.00 monthly service charge
• Analysis Structure:
  • $0.08 per item deposited
  • $0.18 per item posted
  • Coin and Currency
    $0.07 per roll of coins issued; $0.30 per issued strap of bills
  • $5.00 per chargeback redeposited
  • $20.00 per collection item
  • Negative collected balance charge, Prime Rate + 3%
  • Earnings Credit based on  3 month T Bill Rate less 10% reserve requirements

Heritage Business Interest Checking

Heritage Business Interest Checking is available to sole proprietorships, non-profit organizations and governmental units.

• $1,000.00 minimum opening deposit
• Interest paid on collected balance according to tiered structure
  • $0 - $24,999.99
  • $25,000.00 - and up
    
     

Heritage Premium Business Money Market Account

Earn competitive money market rates for your business with the Heritage Business Money Market Account.

• $2,500.00 minimum opening deposit
• $10.00 Monthly service charge, waived with a $2,500.00 average daily collected balance
• Six (6) transfers from the account per statement cycle, only three (3) may be payments by check to a third party, a fee of $6.00 is charged per item in excess of three third party items.
• Interest paid on collected balance according to tiered structure
  
  $.0 - $24,999.99
  $25,000.00 - and up

Other Business Services

• Depository for taxes
• Wire Transfers
• Night Depository
• Merchant Services

Business Loans

As a community bank, we are committed to the growth and prosperity of businesses in our community. We offer a variety of loans specially designed for corporations, partnerships, church and community organizations. Consult one of our commercial lenders for further information on:

• Commercial Real Estate Loans
• Construction Loans
• Working Capital
• Equipment Purchases
• Lines of Credit
• Letters of Credit