Heritage Checking

The golden years are a unique time in your life, so it is fitting that we have a checking account specially designed for seniors aged 62 and better.

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Free Debit Card

Never worry about checks again with a free debit card when you open an account.

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Online Banking

Check your balances, view your transaction history, pay bills and more — all from your computer or mobile device.

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Set savings goals, track budgets and more, all in one convenient place.

  • Earn competitive interest rates 
  • Earn Bonus Travel rewards
  • Open your account with as little as $50
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Features & Benefits

Features and Benefits

  • Earn interest on checking(13) 
  • Enjoy unlimited check writing
  • Receive personalized checks(8.1) 
  • Benefit from direct deposit and have your payroll, Social Security or other recurring income deposited straight into your checking account
  • Get a Mastercard® Debit Card
  • Keep track of your finances with Online Statements(22) 
  • Receive image statements
  • Manage your account with Online Banking
  • Bill Pay to make monthly payments through Online Banking
  • Gain access to Spending, our free online budgeting tool
  • Enjoy Mobile Banking(5)
  • Utilize Mobile Wallet – a fast and secure way to keep pace with your lifestyle(14)
  • Receive $100,000 common carrier Accidental Death and Dismemberment Insurance (AD&D)(8.2)(8.3)
  • Enjoy DebitSecure; when you use your debit card, you'll get automatic protection from theft, accidents and injuries(8.3)
  • Receive Payment Card Protection: Cancel your credit card and request prompt replacement with a toll-free call(8.3)
  • Receive a free Savers Club Book: Save 50% at over 3,000 participating lodging properties from coast to coast, and receive discount offers from theme parks and car-rental companies(8.3)
  • Enjoy Bonus Travel: Earn cash rewards when you arrange travel through our toll-free number: (800) 860-7182; get 5% savings on lodging expense, airline travel, car rentals, cruises and package trips(8.3)
  • Receive free copies of Sojourns® magazine(8.3)
  • Bundle your checking and savings accounts for a more convenient way to budget and save toward your goals
  • Gain access to your account information 24 hours a day with just a quick call to our InfoLine at 1-888-797-7711

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.

Add-On Benefits

  • Overdraft Protection available(6)
  • Personalize your debit card by making it one of our collegiate or specialized Affinity Cards(12)
Requirements & Fees


  • Must be 62 years of age or older
  • Opening deposit: $50
  • Monthly requirements to waive monthly service fee:
    • $500 minimum daily ledger balance


  • Monthly service charge:
    • $8 if monthly requirements are not met
  • Monthly statements:
    • FREE Online Statements
    • FREE image statements with imaged checks
  • Free Bill Pay with personal checking account

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