Standard on all Checking Accounts

MoneyMinimum to Open $50.00
Heritage-IconsFREE ATM / Debit card
GlobeFREE HomeBanking
MailFREE eStatements


PDAFREE Mobile Banking
letter-and-penFREE Bill Pay*
HandsShakingOverdraft Protection Available
ClipboardCourtesy Pay Privelege Available


Heritage Simple & Convenient
  • No monthly service fee
  • No minimum balance banking
Prestige Interest Bearing w/ Unlimited check writing
  • Competitive interest on balance $500+
  • Monthly charge if average daily balance falls below $400**
eChecking Checkless checking available only with Netpay Direct Deposit
  • Direct Deposit & e-Statement required
  • Certain teller fees apply*
Stability First step toward financial stability with money management tools
  • Direct Deposit required
  • No minimum balance required
  • Small monthly service charge**
Kids Accounts Saving money is the first step to getting ahead financially, and it’s never too early to start.


ATM / Debit Cards

Click here to find an ATM near you!

ATM/Debit Card is offered on all accounts at no cost. Heritage CU charges no transaction fee for the use of ATM/Debit card through the nationwide ATM networks included in Pulse Select/Money Pass. The use of ATMs not in the network will incur a per transaction fee.

*Bill Payer: Free if at least 4 bills are paid monthly; otherwise small monthly fee of $4.95 will automatically be debited from checking account. NSF, check copy, stop payment fee and other additional fees are your responsibility. We reserve the right to terminate your access to this service at any time. **Prestige: Monthly fee of $9.00 if average daily balance falls below $400.00. ***eChecking: Teller fee of $2.00 applies to lobby and telephone balance inquiries and/or transfers. ****Stability: Monthly service charge of $15.00.

Overdraft Protection

ODST- Share Account Transfer
Share Account Transfer (ODST): When overdraft occurs, necessary funds will automatically be transferred from the share savings account in order to clear a checking account negative balance. Transfers from a savings account to checking will be made in increments of $50. An activation fee of $5 will be assessed for each account transfer transaction. Member agrees all funds in the master share account are available for transfer to cover overdraft items. If an NSF item is present and sufficient funds to cover the item are not available in the share account, a return fee of $25 will be assessed, and the item will be returned to the presenter unpaid. The credit union reserves the right to revoke this privilege at any time. A Non Sufficient Funds Fee may be imposed for covering overdrafts created by check, in person withdrawal, ATM withdrawal, or other electronic means. Whether your overdrafts will be paid is discretionary, and the credit union reserves the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, not making regular deposits, or you have too many overdrafts.

Courtesy Pay Privilege

Courtesy Pay Privilege is an overdraft protection service that is activated when you overdraw your checking account and do not have funds to cover a transaction. We will consider, without obligation on the part of the credit union, the payment of overdrafts up to a set limit.

Here’s how Courtesy Pay helps you:

  • Convenience: Don’t have the funds in your account to complete a transaction? Not a problem. Courtesy Pay covers your transaction on the spot.
  • Privacy: Courtesy Pay safeguards you from the embarrassment of bouncing a check or having your debit card declined at your favorite store. Neither the merchant nor the other patrons will be aware of the overdrawn status of your account.
  • Peace of Mind: Courtesy Pay can prove vital in urgent circumstances such as a break down on a road trip or an emergency trip to the walk-in clinic.

Heritage Credit Union checking accounts come standard with Courtesy Pay overdraft protection for the following transactions:

  • Share Drafts (Checks)
  • ACH transactions
  • Debit Card purchases
  • ATM withdrawals

The regular non-sufficent funds fee applies to each item or transaction honored under the Courtesy Pay program. Members will be notified of any Courtesy Pay activity.

The Credit Union may not pay the overdraft if the member has any of the following:

  • Reached his/her Courtesy Pay limit
  • Opted-out of the service
  • Abused the service
  • Not met other obligations with the credit union

The Credit Union’s Courtesy Overdraft Program Service is an added privilege available after 30 days of checking account activity. Courtesy Pay provides members with the security of knowing their overdraft may be paid up to a total limit of $500 for Heritage, eChecking, or Prestige Checking Accounts and $200 for a Stability Checking Account. A $25 fee will be charged of each overdrawn items including checks, ACH items and Bill Payments. You will have up to 30 days to repay the overdraft.
ATM or everyday debit card transactions are not covered under the Courtesy Pay Program unless you opt in. If you chose to not opt in to the Courtesy Pay Program, all overdrafts will be automatically returned as “NSF” and applicable fees will be assessed to your account. For more information concerning our Courtesy Pay Program, contact one of our Member Service Representative.