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Heritage Rewards Checking*5.01% Annual Percentage Yield (APY) paid on balances up to $25,000 and 1.01% APY paid on all amounts above $25,000 each cycle the requirements are met. **Unlimited ATM Fee refunds per cycle if requirements are met.
If you do not meet the requirements for a cycle your account will still function as a free checking account earning 0.25% APY, however it will not receive ATM Fee refunds for that cycle.
No Minimum Balance is required. However, you must deposit a minimum of $50.00 to open this account. Available for Personal Accounts only.
Annual Percentage Yeild as of 08/29/08.
ATM Fees are refunded on the last day of the cycle. Show All | Close All | What are the requirements? | Q | What are the requirements? | 10 Debit Card (point of sale) Transactions1 Direct Deposit or ACH Auto DebitAccess Online Banking (once per cycle)Receive Electronic Statement (when available)
Requierements must be met EACH cycle.Close |
| | What is a cycle? | Q | What is a cycle? | A cycle is the time period during which your activities will be accumulated to determine that you qualify to receive the rewards.
This time period begins on the last business day of "this" month and ends the day before the last business day of "next" month. For example, the September, 2008 cycle began on August 29, 2008 and ended on September 29, 2008. Close |
| | What happens if requirements are not satisfied for a cycle? | Q | What happens if requirements are not satisfied for a cycle? | You will earn 0.25% APY on your free Heritage Rewards checking balance.ATM fees are not reimbursed.
You will receive the Rewards for your first cycle, even if you do not qualify for them, i.e. even if the requirements are not met.Close |
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Terms and conditions subject to change at anytime. Contact your Heritage Community Bank representative for details and to apply for an account today. Regular Checking Heritage Community Bank offers two additional convenient accounts designed to match your checking needs and preferences. Each account offers you a no-fee ATM or Debit Card, Free online banking, and a refund of up to $15, per statement cycle, for surcharges imposed for using another bank’s ATM. Follow the links below for more information about our Regular Checking Products.* Show All | Close All | Heritage Free Checking (this is a New Jersey Consumer Account) | Q | Heritage Free Checking (this is a New Jersey Consumer Account) | No monthly maintenance fees, No minimum balance requirements, Unlimited check writing, Free initial order of standard checks Close |
| | Experience Pays Checking | Q | Experience Pays Checking | For customers 55 years of age or older, Earn a competitive rate of interest on all balances*, No monthly maintenance fees, Unlimited check writing, Free supply of standard checks, Free online banking with Bill Pay. *Minimums apply – please contact us for details. Close |
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*Terms and conditions subject to change at anytime. Contact your Heritage Community Bank representative for details and to apply for an account today. Personal SavingsExperience the difference in helping your money grow. In addition to competative rates, you'll enjoy these additional benefits: Free online banking, Free 24-hour banking with no ATM charges at a Heritage Community Bank machine and a refund of up to $15, per statement cycle, for surcharges imposed for using another bank's ATM. Show All | Close All | Heritage Premium Savings | Q | Heritage Premium Savings | Easy to read monthly statements, Earn our premium rate when this account is linked to any Heritage checking account*. If an active checking account is not maintained, the bank reserves the right to lower the rate. *Minimums apply – please contact us for details. Close |
| | Heritage Statement Savings | Q | Heritage Statement Savings | Easy to read monthly statements, Tiered rate structure pays you higher interest for higher deposit levels*. *Minimums apply – please contact us for details. Close |
| | Heritage Premium Money Market | Q | Heritage Premium Money Market | Earn a competitive rate of interest on a tiered rate structure*. Write up to3 checks per month. Free initial check order. *Minimums apply – please contact us for details. Close |
| | Certificates of Deposit | Q | Certificates of Deposit | Interest Rate guaranteed for the entire term of your account. Choice of terms to suit your financial needs, ranging from 90 days to 60 months. Same choice of terms available for IRA accounts. Special-rate Jumbo CD's available for deposits of $100,000 or more. Automatic renewal at prevailing Heritage Community Bank rates, with a 10-calendar day grace period. Deposits must remain until maturity or a penalty for early withdrawal may apply. Close |
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*Terms and conditions subject to change at anytime. Contact your Heritage Community Bank representative for details and to apply for an account today. Consumer LoansExperience the Difference in making your life better. No matter what your needs may be, Heritage Community Bank has the loan to meet your goals and budget. In addition to competitive interest rates, you'll enjoy personal one on one service and fast, local decision making.* Show All | Close All | Mortgages | Q | Mortgages | Heritage Community Bank has programs for homebuyers (first-time or experienced), refinancing, or second/vacation homes, all available in a number of fixed-rate and variable-rate options. Let our mortgage experts work with you to find the rate and tems that best suit your needs. Close |
| | Home Equity Loans | Q | Home Equity Loans | Cash in on up to 80% of the value of your home for ready money for any purpose. Choose a Heritage Equity Credit Line and use the funds when and how you please by simply writing a check. If you prefer, you can choose a fixed-rate, fixed-term Equity Loan. Close |
| | Auto Loans | Q | Auto Loans | An Auto Loan from Heritage Community Bank gives you the buying power you need, even before you walk in the showroom door. Convenient terms are available for both new and used vehicles. Close |
| | Personal Loans | Q | Personal Loans | Would you like new furniture, appliances, or an entire new wardrobe? Caught short for a special occasion, or are you taking a once in a life time vacation? With competitive rates a Heritage Personal Loan is the answer. Close |
| | Heritage Overdraft Line of Credit | Q | Heritage Overdraft Line of Credit | Never worry again about writing a check against insufficient funds. Heritage Overdraft Line of Credit automatically covers you in the event of an overdraft. And there's never any interest to pay until the loan is activated. (Subject to credit approval.) Close |
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*All loans are subject to credit approval. Contact your Heritage Community Bank representative for details and to apply for an account today. Commercial ServicesExperience the difference in benefits to your bottom line. With a strong commitment to local commerce and the financial security of our community, Heritage Community Bank offers you and your business a special selection of commercial products and services designed to help your business. In addition to competitive pricing, you'll find personal service with easy access to the bank's top management and fast, local lending decisions. Show All | Close All | Heritage Free Business Checking | Q | Heritage Free Business Checking | No monthly maintenance fees. No minimum balance requirements. Unlimited check writing. Free initial order of standard checks. Close |
| | Heritage Business Money Market | Q | Heritage Business Money Market | Earn competitive rate of interest*. Write up to 3 checks per month. Free initial order of standard checks. *Minimums apply – please contact us for details. Close |
| | Certificates of Deposit | Q | Certificates of Deposit | Interest Rate guaranteed for the entire term of your account. Choice of terms to suit your financial needs, ranging from 90 days to 60 months. Automatic renewal at prevailing Heritage Community Bank rates, with a 10-calendar day grace period. Deposits must remain until maturity or a penalty for early withdrawal may apply. Close |
| | Commercial Loans | Q | Commercial Loans | Lines of Credit. Term Loans. Commercial Mortgages. Construction Loans. Commercial Equity Credit Lines. Close |
| | Other Commercial Services | Q | Other Commercial Services | Online Banking, Telephone Banking, Merchant Services, Night Depository Services. Close |
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*Terms and conditions subject to change at anytime. Contact your Heritage Community Bank representative for details and to apply for an account today. Electronic BankingExperience the difference in total banking convenience. Heritage Community Bank lets you bank according to your personal preferences and lifestyle. Show All | Close All | Heritage Online with Bill Pay | Q | Heritage Online with Bill Pay | Available any time, day or night, from your office, home, or anywhere you have an internet connection. Check your account balances and transactions. View your paid checks. Transfer funds. Pay your bills*. Set up alerts for low balances, or when a check clears. Download transactions to your financial management software. Send secure e-mails to the bank from your home or office. Close |
| | 24-Hour ATM Banking | Q | 24-Hour ATM Banking | Access your funds on deposit any time, day or night. Check balances and withdraw cash. No per transaction fee when you use a Heritage Community Bank ATM. A refund of up to $15, per statement cycle, for surcharges imposed for using another bank's ATM. Close |
| | Heritage Debit Card | Q | Heritage Debit Card | Use as an ATM card, or instead of writing a check. Make purchases or pay for goods and services. Funds are deducted from your Heritage Community Bank Checking account; for easy record keeping, your monthly statement will show where the card was used along with a description of the transaction. Close |
| | Heritage Toll-Free Banking | Q | Heritage Toll-Free Banking | Account Balance information. Transaction history. Account Transfers. Account Services.
800 299 8720 Close |
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*Service charges for Bill Pay may apply. Contact your Heritage Community Bank representative for details and to apply for an account today.
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