Heritage Checking A checking account specially designed for your golden years.

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Heritage Checking Features

See Heritage Checking details
Features and Benefits
  • Earn interest on checking7
  • Enjoy unlimited check writing
  • Receive personalized checks3
  • Benefit from direct deposit and have your payroll, Social Security or other recurring income deposited straight into your checking account
  • Get a Debit Mastercard®
  • No fee for online or paper statements9
  • Manage your account with Online Banking
  • Bill Pay to make monthly payments through Online Banking
  • Gain access to Spending, our online budgeting tool
  • Enjoy Mobile Banking1
  • Utilize Mobile Wallet – a fast and secure way to keep pace with your lifestyle8
Add-On Benefits

Want to get more from your Heritage Checking account? With our optional add-on products, you can build in the extra features you want, for a minimal fee, without having to update your checking account option.

  • Overdraft Protection available2
  • Personalize your debit card by making it one of our collegiate or specialized Affinity Cards6
Requirements
  • Must be 62 years of age or older
  • Opening deposit: $50
  • Requirements to waive monthly fee:
    • $500 minimum daily ledger balance
Fees
  • Monthly fee:
    • $8 if monthly requirements are not met
  • Monthly statements:
    • Online Statements at no additional charge
      • -OR-
    • Image statements with imaged checks at no additional charge
  • Bill Pay at no additional charge with personal checking account
Open an account
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Apply online or stop into your local branch.

3 steps to your new checking account.

  1. Complete our online application.
  2. Fund your account with as little as $50.
  3. Sign up for online banking.
Get started Order checks online

Other personal checking accounts to consider

Performance Checking

Earn a high rate of interest on your checking balance.

Budget Smart Checking

Avoid overspending and stay on track.

Interest Plus Checking

The higher your balance, the more you earn.

My Way Checking

Get all the features you’d expect, and more.
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Learn

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Stop by your nearest Cadence branch to open an account and more.

Get help

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1Carrier data charges may apply. The Cadence Mobile Banking App is available for iPhone® and Android™ devices. Visit the iTunes Store or the Android™ Market to download your app today. If you do not have an iPhone or Android device, you can access Mobile Banking by going to cadencebank.com/mobile after enrolling.

2See Overdraft Protection Terms and Conditions for additional details and availability.

3Heritage Checking customers receive one box free per year of special member checks and 50% off any other check offer. Accounts that receive free checks are required to pay tax and shipping on the check order. 

4Interest is calculated based on simple interest applied to the daily collected balance. Interest is credited at statement time and is available for early withdrawal.

5Not available for Cadence VISA credit card, Mastercard® Business debit or credit card, or HSA customers. Only available for Mastercard® personal debit cards or credit cards issued by Cadence. Not all retailers accept mobile wallet payments. Look for the symbol or icon representing the mobile wallet app you use prior to making purchases. Additionally, the retailer must also accept Mastercard®. Availability of your mobile wallet may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply.

6In order to receive free Online Statements, you must first enroll in Online Statements.

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