Our sixty plus years in banking has taught us that banking is a relationship between our Community and our customers. To thank you for having a relationship with us, we offer valuable benefits that provide both savings and protection for you and your loved ones.
Heritage Checking offers these benefits:
- Credit Monitoring
- Total Identity Monitoring
- 3-in-1 Credit Report and Score
- $10,000 Accidental Death and Dismemberment Insurance
- Interest Bearing Account
- Free standard personalized checks and unlimited check writing
- Domestic ATM fees are refunded up to $25 per statement cycle
- Annual safe deposit box discount of $10
- Free Option Online (Internet banking) and Online Bill Pay
- Free Mobile Banking
- And Much More!
A minimum deposit of $2,000.00 is required to open this account. There will be no monthly maintenance fee for accounts with a minimum daily balance of $40,000.00 or a combined total balance of $40,000.00 in the following personal CB&T accounts: checking, money market, savings or time deposit accounts of which you are an owner. If you do not maintain one of the required minimum balances, you will be assessed a monthly maintenance fee of $30.00.
This account is an interest bearing account. At our discretion, we may change the interest rate and APY on this account at any time. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example: checks). Interest will be compounded monthly. On the days that the balance is below $500.00, the account will not earn the disclosed annual percentage yield. Interest will be credited to the account monthly. If you close the account before interest is credited, you will not receive the accrued interest.
We use the daily balance method to calculate the interest on the account ("Balance"). This method applies a daily periodic rate to the principal in the account each day.
Our Mobile Community (mobile banking) is available to Heritage account holders. Your mobile carrier's text messages and web access charges may apply.
Statement options include free monthly eStatements with check images.
Return Item Charge & Overdraft Charge $30.00 (Fee created by check, ATM or in person withdrawals or other electronic means).
A $5.00 monthly inactivity fee will be charged for inactive accounts with balances of $50.00 or less. This fee can be avoided by keeping your account active. An account becomes inactive after one year of no activity on the account. Activity is defined as any transaction, such as a withdrawal, deposit, bill payment or ACH payment. An account inquiry, such as checking your balance in Option Online (internet banking) or at an ATM, is not a transaction and does not count as activity. If the account balance is less than $5.00, the account will be debited for the remaining balance and the account will be closed.
Not insured by FDIC or any Federal Government Agency. Not a deposit of or guaranteed by the bank or a bank affiliate.