BASIC
CHECKING

REGULAR
CHECKING

HERITAGE CLUB
CHECKING

MASTER'S CLUB CHECKING

NOW
CHECKING

MONEY MARKET
INVESTMENT
     

Features Free Checks and More

For Our Customers
55 and Over

    

 Earns Interest ►

NO

NO

NO

NO

YES
$500 minimum daily balance to earn interest.

YES
$2,500 minimum daily balance to earn interest

Minimum Balance ►

NONE

$500.00 minimum daily balance to avoid maintenance fees
 

NONE


NONE
Requires minimum opening deposit of $100


$500 minimum daily balance to avoid maintenance fee.
$500 minimum opening deposit.
 

$2500 minimum daily balance to avoid maintenance fee. 
$2500 minimum
opening deposit

Per Check/       
Debit Charges ►


25 Free debits per month, $.10 for
each debit over 25.  $.10 for each
ATM or Check Card transaction
 

30 Free debits per month.  $.10 for each debit over 30
(ATM or Check
Card transactions included

NONE

NONE

$.15 for each debit
 if minimum daily balance not maintained


Monthly withdrawals limited to six with
no more than three by check.  A $1.00 fee imposed for each withdrawal over monthly limitation
 

Monthly      
Maintenance      
Fee ►

NONE


$5.00 if minimum daily balance not maintained
 

$6.00 for all the benefits of the
 Heritage Club

NONE

$5.00 if minimum daily balance not maintained

$7.50 if minimum daily balance not maintained

Additional       
Features ►

Convenient check safekeeping.

Images of cancelled checks are returned to you

Free custom
wallet checks*
Free ATM Card.
Free Travelers Checks.
Convenient check safekeeping.
 

Free custom
wallet checks*
Free Travelers Checks
Free Money Orders.
Images of cancelled checks are returned to you

Images of cancelled checks are returned to you

Images of cancelled checks are returned to you

Visit our customer service representative for details on all accounts.

   * Standard design. May receive $5.00 credit toward design of your choice.  Limits do apply.

Available
ATM Card
Check Card
Safety Check Protection

Available
ATM Card
Check Card
Safety Check Protection

Available
ATM Card
Check Card
Safety Check
Protection

Available
ATM Card
Check Card
Safety Check
Protection

Available
ATM Card
Check Card
Safety Check Protection

Available
ATM Card
Check Card
Safety Check
Protection
 

 

 

 

 

 


 

 

    

 
SAVINGS MADE SIMPLE

Heritage Bank makes it simple and convenient for you
to build your savings. We also offer CD products with
rates and terms to help you reach your goals.

Regular Savings -
 No minimum balance required.

• Withdraw money as you need it.
  Transfers from savings to another
  account are limited to six per month.
   $.50 charge on all debits over six.
• No monthly maintenance fee.
• Interest will be compounded and
   credited to your account every quarter.
• ATM card available.

Safari Savers -
 Valuable program for kids 12 and under.

• Designed to teach children basic financial
  and saving skills.  Plus, they receive a prize with each deposit!
• No minimum balance required and no monthly maintenance fee.
 

 SERVICES TO COMPLEMENT
YOUR PERSONAL ACCOUNT

 We have the account to fit your needs and offer other
services designed to make your account convenient to use.

SHAZAM ATM Card
 Enjoy convenience at your fingertips with a SHAZAM® ATM card.  It allows you to bank when you want, where you want - at automated teller machines across the country. Your daily cash needs can easily be handled at our Marion or Hiawatha drive-up ATMs and at our Delhi location.

Subject to qualification.

SHAZAMChek Card
 A SHAZAMChek® 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.

Subject to qualification.

Check Safekeeping
 Why go through the trouble of storing checks every month? We take care of that for you. You will receive a concise statement detailing your transactions and won’t have to worry about filing a lot of paper.

Safety Check Protection
 Sometimes overdrawing your account happens.
We understand that. That’s why it makes sense to take advantage of our Safety Check credit line. Apply today and be protected against overdraft charges.

Subject to qualification.

Automatic Transfers
 You can authorize us to transfer from your savings to your checking if you are overdrawn.  The funds are automatically transferred as needed.

Transfer fee does apply.

Direct Deposit
 Save time and trips to the bank by having payroll and specified government checks automatically deposited into your checking account.