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LIMITED BUSINESS
CHECKING

BASIC BUSINESS
CHECKING

REGULAR BUSINESS
CHECKING

BUSINESS CASH
INVESTMENT ACCOUNT

Product Profile ►

Cost-effective account for businesses with limited checking activity. Features a low minimum balance to avoid maintenance fee.

Standard business account available to corporations, partnerships, sole proprietorships and government agencies. Features an interest bearing option for sole proprietorships and non profit organizations.

Ideal business account that offers option to reduce or eliminate any service charges with an earnings credit.

Business account that features an earnings credit and up to 50 free debits and deposited items. Higher balance accounts receive a larger earnings credit.

Minimum Balance ►

$500 per month
Minimum opening deposit
$100

$1500 per month
Minimum opening deposit
$100

None
Minimum opening deposit
$1000

# of checks/debits free ►

NONE

Per Check/Debit ►

$.10 after 50

$.18 after 30

$.15

$.15 after 50

Monthly Maintenance
Fee ►

$5.00 if minimum monthly balance is not maintained

$5.00 if minimum monthly balance is not maintained.

$10.00

Deposit Credit Charge ►

$.10 after 50

$.18 after 30

$.15

None

Deposit Item Charge ►

(Drawn on Us)

No Charge

Number of Deposit items Free

500

None

Local and Transit

$.20

$.18

$.07

Earnings Credit ►

None

Based on 90 day T-Bill

Interest Rate ►

None

Variable rate paid to sole proprietorships and non-profit organizations

None

All cancelled checks are returned. Bid pricing is available for businesses with a large volume of transactions. See our customer service department for additional details on all acccounts. *Optional services include Accounts Analysis

HERITAGE BANK can be your key alliance when it comes to the success of your business. Along with our checking accounts, we offer other valuable services to ensure quality and convenience in your banking relationship with us.

Our loan professionals’ expertise includes an
understanding of the financial tools available to meet your needs. Not only do we provide a variety of loan products, competitive rates and terms, and timely response - all decisions are made locally.

OTHER AVAILABLE SERVICES

SHAZAMChek Business Debit Card
A SHAZAMChek® Business Debit card combines the best features of an ATM card and a check. It works the same way as a cash card and allows you to make purchases without writing a check. These purchases are automatically deducted from your checking account. Use your card everywhere Debit MasterCard is accepted.

CASH MANAGEMENT SERVICES

Automated Clearing House (ACH)

Heritage Bank is a member of ACH, which allows you to send or receive funds electronically through your bank account. Businesses may also handle payroll in a convenient manner through direct deposit to employees’ accounts.

Cash Investment Service

Maximize your return on cash balances through a daily automatic transfer (a sweep) of excess cash from your business checking account overnight to a money market account.