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Checking Accounts

Earn $70 per month, that's $850 per year!

  • FREE Checking Account with 3.40% APY on balances up to $25,0001
  • FREE ATMs anywhere, nationwide (up to $25 per month)2
  • Choose your debit card color and pick up today
  • Link to Rewards Savings to build savings automatically

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Earn 2.50% Cash Back on all Debit Card Purchases

  • FREE checking account with up to $7.50 monthly cash back rewards3
  • FREE ATMs anywhere, nationwide (up to $25 per month)2
  • Choose your debit card color and pick up today
  • Link to Rewards Savings to build savings automatically

Learn More

 

Qualifying for Rewards is a Breeze.

requirements

 

At Heritage, you have options.

With our instant issue cards, you can choose the debit card color that vibes with you, and pick it up at a branch as soon as today.

Checking Account Heritage

Open a Checking Account Online

If you’re ready, we’re ready. Let’s get moving! Opening an account is easy, and we’re right here with you to get started.

Open an Account

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Health Savings Accounts

A Health Savings Account that pays. The money is yours for as long as you need it, year-after-year, through different health plans or employers. 

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Current Member Services

Members can order checks, sign up for Digital Banking, learn about eStatements and more here. 

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1APY=Annual Percentage Yield. APY is accurate as of 09/30/2022. The APY range calculation is based on an assumed account balance cap of $25,000 plus $100,000. The APY decreases as your balance increases above $25,000. Enrollments must be in place and all the following transactions and activities must post and settle to the member’s Reward's Checking account during each Monthly Qualification Cycle to receive the 3.40% APY: 12 (pin-based/signature-based) debit card purchases, enrolled in and logged into digital banking, at least 1 direct deposit into the account, enrolled to receive e-statements. 0.05% APY on all balances, even if qualifications are not met. Ability to earn $849 yearly based on maintaining a monthly balance of $25,000 in the Rewards Checking account and meeting all requirements to earn $70.83 each month x 12 = $849.96. Rates and rewards are variable and may change at any time without notice after the account is opened. $50.00 minimum balance to open. Fees or other conditions could reduce earnings on the account. Qualifications must be met to receive rewards. Program rates, terms, and conditions are subject to change without notice. Membership restrictions may apply.

2ATM fee refunds up to $25.00 per monthly qualification cycle, maximum $5.00 per transaction. Program terms and conditions are subject to change without notice. Membership restrictions may apply.

3Rewards are variable and may change at any time without notice after account is opened. 2.50% cash back on everyday debit card purchases. Enrollments must be in place and all the following transactions and activities must post and settle to the member’s Reward's Cash Back Checking account during each Monthly Qualification Cycle to receive the 2.50% cash back: 12 (pin-based/signature-based) debit card purchases, enrolled in and logged into digital banking, at least 1 direct deposit into the account, enrolled to receive e-statements. Earn up to $90.00 cash back per year, up to $7.50 per monthly qualification cycle. Qualifications must be met to receive rewards.  Rates and rewards are variable and may change at any time without notice after the account is opened. $50.00 minimum balance to open. Fees or other conditions could reduce earnings on the account.  Program rates, terms, and conditions are subject to change without notice. Membership restrictions may apply.

$50.00 minimum balance to open. Membership restrictions may apply. 

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