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

Why should you open an EZ Reward Account? Well, there are many benefits to this type of checking 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. Sounds nice, right? When can you gain money, by spending money? Heritage Community Bank offers many benefits, but we are most excited by this incredible reward account offer.

Now, let’s talk benefits! 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! And, for those banking on-the-go, EZ accounts come with online banking advantages; check your account balance and receive activity alerts on your smartphone.
Other Benefits of EZ Savings Account:

No Minimum Balance Requirements
Fraud Protection Services
No Services Charges
No Opening Deposit Required

EZ+ REWARD ACCOUNT

You have the option to choose the EZ Reward or the EZ+ Reward or even choose both! In the EZ+ account, you could earn 3.25% 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% back. Though these two checking accounts are different, they do share some similarities. For example, both of these accounts 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

In order to receive an EZ Account Reward, you are required to meet the following requirements:

  • Log into your online banking or mobile banking account once per cycle
  • Perform one bill payment or ACH payment per cycle to your account
  • Set up a recurring direct deposit or ACH credit to your account each cycle
  • Perform at least 20 debit card transactions per cycle
  • Receive monthly statements electronically (E-statements)

EZ Reward Disclosure
This product is offered effective 10/15/18. No minimum opening balance or deposit required to open. *4% cash back rewards for the first $250 of Point of Sale transactions only during calendar month. Cash back reward is capped at $10 per month. Other requirements must be met to be eligible for 4% reward. Please contact bank for details. 

EZ+ Reward Disclosure
**Interest rates and Annual Percentage Yield (APY) are accurate as of 10/15/18. No minimum opening balance or deposit required to open. Fees could reduce earnings on the account. Rates may change at any time without prior notice, before or after the account is opened. 3.25% APY is applicable on the first $10,000 balance. Any amount above $10,000 will earn 0.5% APY. 

MONEY MARKETS

For Money Market accounts, $1,000.00 is needed for the minimum opening balance. There is a monthly service charge of $10.00 if that balance falls below $1,000.00. 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 pre-authorized or automatic transfer or telephone order or instruction, or by check, draft, debit card or similar order to a third party. This type of account is beneficial to customers that want to earn interest and also have the flexibility of a transactional account!.
Customers also receive their first box of checks for free!

Contact us today if you are interested in opening a checking account with us!

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.