Heritage Free Checking
 

• $100.00 minimum opening deposit
• No Minimum Balance Requirement
• No Monthly Service Fee
• Unlimited check writing
• Free online banking with Bill Pay
• Free check card
• No Direct Deposit Requirement
• Free automated 24-hour telephone service
• Overdraft Protection *

*with credit approval

Heritage Prime Checking
 

• $100.00 minimum opening deposit
• Interest paid on collected balances over $1,000
• No monthly service charge
• Unlimited check writing
• Free online banking with Bill Pay
• Free check card
• No Fee single party travelers checks
• No Fee basic wallet checks
• No Fee cashier's checks
• 20% Discount on Safe Deposit Box Rental (subject to availability)
• No Fee notary service
• Available to anyone 50 or over

Heritage Interest Checking

Let your money work for you with Heritage First Bank's INTEREST Checking Account.

• $100.00 minimum opening deposit
• Interest paid on collected balances over $1,000.00
• Unlimited check writing
• Image Statement of cancelled items
• $7.00 monthly service charge, waived with a  $1,000.00 average daily collected balance
• Unlimited check writing
• Free online banking with Bill Pay
• Free check card

Heritage Premium Personal Money Market Account

Earn a competitive rate of interest with the Heritage Premium Personal Money Market Account.

• $1,000.00 minimum opening deposit
• A fee of $5.00 is charged for all third party checks in excess of 6 per statement cycle
• $6.00  monthly service charge, waived with  $1,000.00 average daily collected balance
• Interest paid on collected balance according to tiered structure
  • $.01 - $24,999.99
  • $25,000.00 - and up

     

Heritage Personal Savings

Earn interest with a lower minimum balance requirement.

• $100.00 minimum opening deposit
• Minimum balance of $100.00 required to avoid fees, if balance falls below minimum, a $3.00 fee applies per quarterly statement cycle
• Three withdrawals per quarterly statement cycle at no charge, $3.00 fee per withdrawal exceeding 3 per quarterly statement cycle

Certificates Of Deposit (CD)
For longer term investments with higher yields, consider opening a certificate of deposit with Heritage First Bank. You may purchase a CD for as little as $500.00. Rates vary according to the term selected. CD's are subject to penalty for early withdrawal.
 

Individual Retirement Accounts (IRA)
The IRA is a convenient savings tool that allows money to be set aside for retirement. A substantial interest penalty is charged for early withdrawals from an IRA. Choose any of our IRA options from six months to sixty months with a minimum opening deposit of $500.00.