Free checking account with no monthly fees and no minimum balance to open or maintain.
Save More Checking
Earn 1.00% APY on balances $3,000- $19,999. Qualifies you for our exclusive Save More Savings account.
Max APY: 1.00%Min Deposit: $0.00
Dividend Checking
Earn dividends on balances over $100. Includes free checks.
APY: 0.05%
Secondary Savings
APY: 0.02%
Save More Savings
Max APY: 0.75%Min Deposit: $0.00
Saver's Sweepstakes
APY: 0.10%
Holiday Club Savings
APY: 0.05%
Save More Money Market
Max APY: 0.30%Min Deposit: $0.00
High Yield Money Market
Max APY: 1.50%Min Deposit: $0.00
10 Month Certificate SPECIAL
APY: 1.80%
21 Month Certificate SPECIAL
APY: 2.25%
6 Month Certificate
APY: 0.15%
6 Month Certificate IL
APY: 0.10%
12 Month Certificate
APY: 0.30%
12 Month Certificate IL
APY: 0.20%
24 Month Certificate
APY: 0.50%
24 Month Certificate IL
APY: 0.30%
36 Month Certificate IL
APY: 0.40%
36 Month Certificate
APY: 0.80%
48 Month Certificate
APY: 1.00%
48 Month Certificate IL
APY: 0.60%
APY (Annual Percentage Yield)
Your Selected Products
Dividend Rate
Minimum Balance
Minimum Deposit
Term (months)
0.00%
$0.00
$0.00
N/A
0.02%
$20,000.00
$0.00
N/A
1.00%
$3,000.00
$0.00
N/A
Dividend Rate
0.00%
Minimum Balance:
$0.00
Min Deposit:
$0.00
Term (months):
N/A
Dividend Rate
0.02%
Minimum Balance:
$20,000.00
Min Deposit:
$0.00
Term (months):
N/A
Dividend Rate
1.00%
Minimum Balance:
$3,000.00
Min Deposit:
$0.00
Term (months):
N/A
Dividend Rate
Minimum Balance
Minimum Deposit
Term (months)
0.02%
$25,000.01
$0.00
N/A
0.75%
$0.00
$0.00
N/A
Dividend Rate
0.02%
Minimum Balance:
$25,000.01
Min Deposit:
$0.00
Term (months):
N/A
Dividend Rate
0.75%
Minimum Balance:
$0.00
Min Deposit:
$0.00
Term (months):
N/A
Dividend Rate
Minimum Balance
Minimum Deposit
Term (months)
0.00%
$0.00
$0.00
N/A
0.10%
$2,000.00
$0.00
N/A
0.20%
$10,000.00
$0.00
N/A
0.20%
$25,000.00
$0.00
N/A
0.30%
$50,000.00
$0.00
N/A
0.30%
$100,000.00
$0.00
N/A
Dividend Rate
0.00%
Minimum Balance:
$0.00
Min Deposit:
$0.00
Term (months):
N/A
Dividend Rate
0.10%
Minimum Balance:
$2,000.00
Min Deposit:
$0.00
Term (months):
N/A
Dividend Rate
0.20%
Minimum Balance:
$10,000.00
Min Deposit:
$0.00
Term (months):
N/A
Dividend Rate
0.20%
Minimum Balance:
$25,000.00
Min Deposit:
$0.00
Term (months):
N/A
Dividend Rate
0.30%
Minimum Balance:
$50,000.00
Min Deposit:
$0.00
Term (months):
N/A
Dividend Rate
0.30%
Minimum Balance:
$100,000.00
Min Deposit:
$0.00
Term (months):
N/A
Dividend Rate
Minimum Balance
Minimum Deposit
Term (months)
0.00%
$0.00
$0.00
N/A
0.02%
$100.00
$0.00
N/A
1.49%
$75,000.00
$0.00
N/A
1.49%
$125,000.00
$0.00
N/A
1.49%
$200,000.00
$0.00
N/A
1.49%
$250,000.00
$0.00
N/A
Dividend Rate
0.00%
Minimum Balance:
$0.00
Min Deposit:
$0.00
Term (months):
N/A
Dividend Rate
0.02%
Minimum Balance:
$100.00
Min Deposit:
$0.00
Term (months):
N/A
Dividend Rate
1.49%
Minimum Balance:
$75,000.00
Min Deposit:
$0.00
Term (months):
N/A
Dividend Rate
1.49%
Minimum Balance:
$125,000.00
Min Deposit:
$0.00
Term (months):
N/A
Dividend Rate
1.49%
Minimum Balance:
$200,000.00
Min Deposit:
$0.00
Term (months):
N/A
Dividend Rate
1.49%
Minimum Balance:
$250,000.00
Min Deposit:
$0.00
Term (months):
N/A
Would you like to opt in to the Member Privilege overdraft coverage program? Qualified members can withdraw more than the account balance, up to a pre-approved limit, for a short period of time to cover unexpected emergencies. Heritage will pay the merchant for debit card transactions and pre-authorized checking account withdrawals instead of taking your account negative. (Available only to qualifying members.)
Would you like to opt in to the Member Privilege overdraft coverage program? Qualified members can withdraw more than the account balance, up to a pre-approved limit, for a short period of time to cover unexpected emergencies. Heritage will pay the merchant for debit card transactions and pre-authorized checking account withdrawals instead of taking your account negative. (Available only to qualifying members.)
Would you like to opt in to the Member Privilege overdraft coverage program? Qualified members can withdraw more than the account balance, up to a pre-approved limit, for a short period of time to cover unexpected emergencies. Heritage will pay the merchant for debit card transactions and pre-authorized checking account withdrawals instead of taking your account negative. (Available only to qualifying members.)
RATE DISCLOSURE: The special APY on the Save More Savings account is only available to members with an active Save More Checking account. The APY will default to the Primary Savings APY without an active Save More Checking.*
Press this button if you want to assign an equal value to all beneficiaries.
In some cases, 100 cannot be divided evenly by the number of beneficiaries When this occurs, the amount of the first beneficiary will be increased to make the total equal 100%.
System can't prefill due to ZIP code discrepancy. Please proceed by manually entering the information or correct the value in the ZIP field in the 1st page.
You're logged in as