Personal Banking
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Checking accounts
EZ reward account
With this offer, you could receive 4% cash back on the first $250 of debit card purchases per cycle (cap $10). That means you could be making money on necessary purchases each cycle. Heritage Community Bank offers many benefits, but we are most excited by this incredible reward account offer.
When you meet the requirements for an EZ Reward Account with Heritage Community Bank you receive MoneyPass access to ATM networks across the country. Aside from that, you also receive two mobile check deposits at no charge per cycle. This means your first check deposits don't charge you any fees! For those banking on-the-go, EZ accounts come with online banking advantages; check your account balance and receive activity alerts on your smartphone.
Additional benefits:
- No Minimum Balance Requirements
- Fraud Protection Services
- No Services Charges
- No Opening Deposit Required
EZ+ reward account
With the EZ+ account, you can earn 3.25% APY on average monthly balances up to $10,000.00! Any amount above $10,000 and if you do NOT meet the requirements will earn .05% APY back.
Though these two checking accounts are different, both offer MoneyPass access to ATM networks nationwide, fraud protection services, as well as account balance and activity alerts.
Additional Benefits of EZ Reward Accounts:
- No Services Charges
- No Minimum Balance Requirements
- No Opening Deposit Requirements
Requirements:
- Perform one bill payment or ACH payment per cycle to your account
- Perform at least 12 debit card transactions per cycle
- Receive monthly statements electronically (E-statements)
Savings Accounts
Standard Account
Want to go on that special vacation? Ready to put a down payment for a car or a house? Typically, in order to get the income to purchase the things we want, we will have to save up our money over time. Savings accounts can be an advantageous part of banking for two reasons. For one, saving accounts allow you to have a designated place to keep your saved earnings. Because your savings account isn’t connected to items like your debit card, you are less likely to spend this money.
Want to go on that special vacation? Ready to put a down payment for a car or a house? Typically, in order to get the income to purchase the things we want, we will have to save up our money over time. Savings accounts can be an advantageous part of banking for two reasons. For one, saving accounts allow you to have a designated place to keep your saved earnings. Because your savings account isn’t connected to items like your debit card, you are less likely to spend this money.
- Savings accounts require no minimum balance to open
- Interest compounds daily and is paid quarterly (Rate based upon balance. See Current Rates for more info)
Transaction limits apply. 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.
Bright $aver$ Club
This club is for children Birth to 13 years old This savers club is useful for children between the ages of newborn to 13 years old. This account works on a reward system that uses a punch card to manage deposits. This is an excellent way to teach your children the benefits of saving and depositing money into their bank account.
This club is for children Birth to 13 years old.
This savers club is useful for children between the ages of newborn to 13 years old. This account works on a reward system that uses a punch card to manage deposits. This is an excellent way to teach your children the benefits of saving and depositing money into their bank account.
In order to open this account, you need a minimum of $25. Once the initial amount is installed, for every $10 or more deposited, you receive one punch. After 10 punches to your card, your child will receive a prize. In order to receive punches, you must have your punch card with you when you come to the bank. Punches will not be given to previous deposits.
Certificate of deposit
- Automatically renewable with a 10 day grace period
- Interest can be compounded, paid by check or transferred to a checking or savings account with Heritage Community Bank
- A penalty may be imposed for any early withdrawals
- $1000.00 minimum deposit to open account
- Interest is compounded daily
Heritage Community Bank offers the following terms
- 3 month
- 6 month
- 9 month
- 12 month
- 18 month
- 20 month
- 36 month
- 48 month
- 60 month
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.
Individual retirement accounts (IRAs)
Traditional Account
A Traditional IRA is a great way to supplement a personal Retirement plan. It's a smart choice for planning to secure your financial future.
- We offer IRA Savings Accounts and IRA CDs
- No Monthly Service Charge
- Earnings Grow Tax-Deferred
- Annual Contributions May Be Tax-Deductible
Roth Account
A Roth IRA is a powerful combination of retirement savings tax benefits. Persons of any age are eligible, if they meet certain income criteria. This is a great way of providing a valuable strategy for tax-efficient retirement planning.
- We offer Roth IRA Savings Accounts and Roth IRA CDs
- No Monthly Service Charge
- Contributions are not tax-deductible
- Earnings Grow Tax-Free
- No Tax or Penalties on Qualified Withdrawals
Health savings account (HSA)
Saving accounts can be used for much more than saving your income, it can also be used for other services, such as paying healthcare expenses. In order to be eligible for a Health savings Account (HSA) you must have a high deductible health plan. It’s easy paying for qualified healthcare expenses, including dental and vision with your HSA.
There is no minimum opening balance, no minimum balance required and no monthly service charge when you have a relationship at Heritage Community Bank. Once you open this account, you have full ACH capabilities and an official debit card to pay for medical expenses.
HSA plans don’t have a “use it or lose it” provision. You own the money in the account regardless of whether your health coverage changes or you retire or change employers. With an HSA plan, you can build a tax-advantaged savings for current and future health expenses. If you have a health plan through your employer, you may be able to make pre-tax contributions to your HSA from your paycheck.
Money markets
If you want easy access to your money but easier ways to grow your saving, you might want to look to a Money Market account to combine some of the best features of Checking and Savings Accounts.
We find this type of account to be beneficial to customers that want to earn a competitive interest rate and also have the flexibility of a transactional account. They’re especially beneficial for large, infrequent expenses such as, emergency funds, budgeting for quarterly tax payments or tuition.
Enjoy the comfort of knowing your funds are protected by FDIC Insurance to the maximum allowed by law. Heritage Community Bank makes it easy to access your money whenever you need to, make withdrawals, write checks, make debit card purchases and even transfer money into your checking account.* Customers also receive their first box of checks for free!
With Heritage Community Bank, only $1,000.00 is needed for the minimum opening balance. There is also a monthly service charge of $10.00 if that balance falls below $1,000.00.
*Limitations on frequency of transfers – During any calendar month, you may not make more than six withdrawals or transfer to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, or by check, draft, debit card or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the financial institution.
