REGULAR CHECKING $50.00 to open    $10.00 monthly maintenance fee for accounts with an average ledger balance less than $1,200.00    No per-check fee ECONOMY CHECKING $50.00 to open    $6.00 monthly maintenance fee per statement cycle    No minimum balance required    $1.00 per debit (Check, ATM, POS, Draft)  after ten (10) per month DIRECT CHECKING $50.00 to open    Must have at least one monthly Direct Deposit    No monthly maintenance fee per statement cycle    No minimum balance required    No per item fee for debits and/or credits 50 PLUS CHECKING     $50.00 to open    Must be at least 50 years old    No monthly maintenance fee per statement cycle    No minimum balance required    No per item fee for debits and/or credits STUDENT CHECKING $50.00 to open    Must be a full time student    No monthly maintenance fee per statement cycle    No minimum balance required    No per item fee for debits and/or credits NOW $1,000.00 to open    $2,000.00 average ledger balance to avoid the maintenance fee    $12.00 maintenance fee per statement cycle    Simple interest method is based on average ledger balance and paid monthly    Interest is forfeited if the account is closed before interest is credited MONEY MARKET $1,000.00 to open    $2,500.00 average ledger balance to avoid the maintenance fee    $12.00 maintenance fee per statement cycle    Simple interest method is based on average ledger balance and paid monthly    Interest is forfeited if the account is closed before interest is credited    You may make only (6) debits from your account during any monthly statement period. No more than (3) of these debits may be made by check, draft, debit card or similar order to a third party. You may make unlimited withdrawals in person.    Each withdrawal over 6 per month is $5.00 SAVINGS $100.00 to open    $500.00 average ledger balance to avoid the maintenance fee    $5.00 maintenance fee per monthly statement cycle    Simple interest method is based on average ledger balance and paid monthly    Interest is forfeited if the account is closed before interest is credited    $25.00 minimum balance for account to remain open    Check cashing charge of $3.00 per checks if balance is under $100    Each withdrawal over 6 per month is $2.00 STUDENT SAVINGS $50.00 to open    Must be a full time student or under the age of 18    No monthly maintenance fee per month    Simple interest method is based on average ledger balance and paid monthly    Interest is forfeited if the account is closed before interest is credited    $25.00 minimum balance for account to remain open    Each withdrawal over 6 per month is $2.00 Certificates of Deposit Certificates of Deposit are an ideal way to save. You can earn a higher rate on your deposits by locking into a specified term. Minimum opening deposit and minimum balance of $1,000 Interest is compounded monthly Automatically renews at maturity at the current rate being offered Competitive rates Substantial penalty may be imposed for early withdrawal Fees could reduce the earnings on the account INDIVIDUAL RETIREMENT ACCOUNTS Individual Retirement Accounts are a great savings plan for your retirement years while at the same time receiving special tax benefits. Minimum opening deposit of $1,000.00 Allows you to save for retirement, sheltering your earnings until distribution Interest is compounded monthly Competitive rates Substantial penalty may be imposed for early withdrawal CURRENT RATES HERITAGE CARD IN-TOUCH Back to Top