Business Checking

Business Free Checking
Minimum Opening Deposit $100
Monthly Service Charge N/A
Minimum Balance Requirement N/A
Free Transactions Per Statement Cycle 2501
Free Checks Yes, 1 Order Annually2
Free Access to Online, Mobile and TeleBanking Yes
Free Heritage First Bank MasterCard Debit Card Yes
Other Benefits

Free Small Safe Deposit Box or

$30 Discount on Larger Box For 1 Year


Business Regular Checking
Minimum Opening Deposit $100
Monthly Service Charge $10
Minimum Balance to Avoid Monthly Service Charge $2,000
Free Transactions Per Statement Cycle 5001
Free Access to Online, Mobile and TeleBanking Yes
Free Heritage First Bank MasterCard Debit Card Yes
Free Official Checks Yes

Heritage Commercial Checking
Minimum Opening Deposit $100
Monthly Service Charge Determined by Account Activity3
Minimum Balance Requirement N/A
Transactions Allowed Per Statement Cycle Unlimited
Free Access to Online, Mobile and TeleBanking Yes
Free Heritage First Bank MasterCard Debit Card Yes
Free Official Checks Yes

Business Interest Checking
Minimum Opening Deposit $1,000
Monthly Service Charge $12
Minimum Balance to Avoid Monthly Service Charge $2,500
Transactions Allowed Per Statement Cycle 2501
Interest Earned Yes, on Collected Balances of $1,000+
Free Access to Online, Mobile and TeleBanking Yes
Free Heritage First Bank MasterCard Debit Card Yes
Free Official Checks Yes

Heritage Business Premium Money Market
Minimum Opening Deposit $2,500
Monthly Service Charge $12
Minimum Balance to Avoid Monthly Service Charge $2,500
Transactions Allowed Per Statement Cycle 64
Interest Earned Yes, on Collected Balances Based on Tiered Structure5
Free Access to Online, Mobile and TeleBanking Yes
Free Heritage First Bank MasterCard Debit Card Yes
Free Official Checks Yes

1 Combination of items paid, deposits and deposited items. Excess activity fee is $.25 per transaction
2 Basic wallet style
3 Monthly fees based on Analysis Structure:

  • Account Maintenance Fee $10.00
  • Item Deposited $.08
  • Item Paid on Account $.18
  • Roll of Coins Issued $.07
  • Strap of Bills Issued $.30
  • Chargebacks Re-Deposited $5.00
  • Collection Item $20.00
  • Negative Collected Balance Fee Prime + 3%
  • Earnings Credit 91 Day T-Bill - Less 10% Reserve Requirement

4 Transfers from this account to another account or to third-parties by preauthorized, automatic, telephone or computer transfer (including those by draft, debit card or similar order) are limited to 6 per monthly statement cycle. $6.00 fee applies per debit item in excess of 6. Withdrawals made in person are not limited. 5 Tiered Structure: $0-$24,999.99 and $25,000+