Personal Savings

Heritage Personal Savings  
Minimum Opening Deposit $0.01
Monthly Service Charge $3
Minimum Balance to Avoid Monthly Service Charge $1003
Interest Earned Yes, on Collected Balances $100+
Excess Withdrawal Fee $31
Free Access to Online, Mobile and TeleBanking Yes

Heritage Health Savings  
Minimum Opening Balance $25
Monthly Service Charge $3
Minimum Balance to Avoid Monthly Service Charge $25
Interest Earned Yes, on Collected Balance of $100+
Withdrawals Allowed Per Month Unlimited

Free Access to Online, Mobile and TeleBanking

Yes
Free Access to Heritage First Bank MasterCard Debit Card Yes

Christmas Club Savings  
Minimum Opening Balance $10
Monthly Service Charge N/A
Interest Earned Yes, on Collected Balances
Early Withdrawal Fee2 $5
Free Access to Online, Mobile and TeleBanking Yes

1$3.00 fee per withdrawal in excess of 3 withdrawals per quarterly statement cycle
2$5.00 fee per withdrawal after account opening. No fee charged for annual distribution check
3$100 daily balance to avoid service charge