Heritage Rewards Checking

Heritage Rewards Checking

With Heritage Rewards Checking, you get a WHOLE LOT more! Earn 0.70% APY* on your Rewards Checking balance and get ATM fees refunded* to your account every monthly qualification cycle! Usually the best deal you'll find is a free account with that lets you write checks -- We're changing that with Rewards Checking, the free account that pays you back.


Reward yourself with an incredible 0.70% APY* and unlimited ATM fee refunds!*

To receive our Reward Interest rate and ATM fee refunds, simply do the following transactions and activities in your checking account each monthly qualification cycle:

  • Have at least 10 debit card purchases post and settle per monthly qualification cycle
  • Have at least 1 Automatic Payment (ACH) or Direct Deposit post and settle per monthly qualification cycle
  • Receive and review e-Statements instead of paper statements
  • Be enrolled and log into Online Banking once per monthly qualification cycle

If for some reason you don't qualify one cycle, don't worry -- you still get a great free checking account and earn our base rate of interest. And you can always get the rewards benefits back the next qualification cycle!

Experience the difference with this amazing checking account.

  • 0.70% APY* on balances up to $25,000
  • 0.50% APY* on balances over $25,000
  • 0.25% APY* if qualifications aren't met
  • Unlimited ATM fee refunds*
  • No minimum balance
  • No monthly Fees
  • Unlimited check writing
  • Free no-fee Heritage Debit Card
  • Free Heritage Online Banking with Bill Pay
  • Free e-Statements
  • Free Heritage Toll-Free Banking
  • Direct Deposit available
  • FDIC Insured
  • Minimum of $50 to open your account

Terms and conditions subject to change at any time

*APY=Annual Percentage Yield. APYs accurate as of 06/28/2013. Rates may change after account is opened. Minimum to open is $50. If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed and credited to account on the last day of monthly statement cycle; (2) balances up to $25,000 receive APY of 0.70%; and (3) balances over $25,000 earn 0.50% APY on portion of balance over $25,000. If qualifications are not met, all balances earn 0.25% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Fees may reduce earnings. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. Available to personal accounts only. Limit one account per social security number.

More Info

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 the month and ends the day before the last business day of the next month. For example, the September, 2010 cycle began on August 31, 2010 and ended on September 29, 2010.

What happens if Qualifications are not satisfied for a cycle?

  • You will earn 0.25% Annual Percentage Yield on your free Heritage Rewards checking balance.
  • ATM fees are not reimbursed.
  • You will receive the Rewards for your first cycle, even if the qualifications are not met.
  • Terms and conditions subject to change at any time.