Checking

Heritage Community Bank offers checking accounts to fit every need:

Funds Availability Disclosure

Reg E – Electronic Funds Transfers – Your Rights and Responsibilities Disclosure 

EZ REWARD ACCOUNT 

  • Offers 4% cash back on first $250 of debit card purchases per cycle (cap of $10)
  • MoneyPass access to ATM network across the country
  • 2 mobile check deposits at no Charge per cycle
  • Account balance/activity alerts through online banking
  • Fraud protection
  • NO service charges
  • NO minimum balance requirements
  • NO opening deposit required

EZ+ REWARD ACCOUNT

  • Earns 3.25% on average monthly balances up to $10,000.00 ($10,000.01 and above will earn 0.05%)
  • MoneyPass access to ATM network across the country
  • 2 mobile check deposits at no charge per cycle
  • Account balance/activity alerts through online banking
  • Fraud protection
  • NO service charges
  • NO minimum balance requirements
  • NO opening deposit required

Requirements for BOTH Reward Accounts

  • Log into online banking or mobile banking once per cycle
  • Perform one bill payment of ACH payment per cycle
  • Set up recurring direct deposit or ACH payment per cycle
  • Perform 20 debit card transactions each cycle
  • Received monthly statements electronically (E-Statements)

FREE CHECKING ACCOUNT

  • No minimum balance requirement
  • Cost of checks may vary depending upon style and quantity ordered
  • Monthly statement with images
  • ATM/Debit Card

Current Rates

Interest Account

  • $750.00 minimum opening balance
  • Monthly service charge of $5.00 if daily average balance falls below $750.00.
  • Interest Paid Monthly (Rate based upon balance..see Current Rates for more info)
  • Monthly Statement with images
  • ATM/Debit Card
  • Unlimited monthly activity

Elite Account

(for members 55 & up)

  • $1000.00 minimum opening balance
  • Monthly service charge of $5.00 if daily average balance falls below $1000.00.
  • Interest Paid Monthly (Rate based upon balance..see Current Rates for more info)
  • Monthly Statement with images
  • 1st box of checks free(depending upon style)
  • ATM/Debit Card
  • Unlimited monthly activity

Money Market Account

  • $1,000.00 minimum opening balance
  • Monthly service charge of $10.00 if daily average balance falls below $1,000.00
  • Interest Paid Monthly (Rate based upon balance. See Current Rates for more info)
  • Limited to six transactions monthly
  • 1st box of checks free(depending upon style)
  • Monthly Statement with images

Current Rates

Demand deposit and savings accounts with no activity by the customer for 365 days will be moved to a dormant status. When dormant accounts have a minimum balance of $200.00 or less, a fee of $5.00 will be charged each statement cycle.