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Rewards Cash Back Checking

This account puts cash back in your checking account! You heard right, the Heritage Rewards Cash Back Checking is here to break all the rules when it comes to rewarding you! When you use your debit card, you’re instantly earning cash back rewards on those purchases.

Here's What You Need to Know:

  • Rewards Cash Back Checking is a checking that pays you back
  • 2.50% cash back on debit card purchases1
    • No category restrictions on purchases
    • Cash back earned on up to $300 in purchases monthly
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)2
  • Link to free Rewards Savings to build savings automatically while you sleep, it does the work for you!
  • No minimum balance to earn rewards
  • No monthly maintenance fee
  • Free Digital Banking
  • Free Bill Pay
  • Free eStatements
  • Free Visa® debit card at account opening
  • $50 minimum deposit to open

Qualifying for rewards is a breeze

Enrollments must be in place and all of the following transactions and activities must post and settle to your Rewards Cash Back Checking account during each Monthly Qualification Cycle. Even if you don't meet your qualifications during the cycle, you can get right back to earning your rewards the very next month!

  • At least 12 debit card purchases
  • Be enrolled in and log into digital banking
  • Be enrolled to receive e-statements
  • At least 1 direct deposit in account


1Rewards are variable and may change at any time without notice after account is opened. 2.50% cash back on everyday debit card purchases. Earn up to $90.00 cash back per year, up to $7.50 per monthly qualification cycle. 

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.

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