Whether you need to write three checks each month or fifty, Heritage State Bank has an account for you. We have accounts designed to suit all your needs and your budget. In addition, all of our checking accounts offer you the conveniences of 24 hour Online Banking and Bill Pay.

Regular Checking Account
Benefits:
Heritage State Bank ATM/Debit MasterCard
Unlimited check writing capability
Open to individuals and sole proprietors
 
Limitations: You must deposit $1000.00 to open this account.
Account Fees: A minimum balance fee of $15.00 will be imposed every statement cycle if the balance in the account falls below $200.00 any day of the cycle.
 
Business Checking
Benefits:
Heritage State Bank ATM/Debit MasterCard
Unlimited check writing capability
Gives you all the services your business needs at an economical cost.
 
Limitations: You must deposit $1,000.00 to open this account.
Account Fees: A minimum balance fee of $30.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle.
 
NOW Account Checking
Benefits:
Interest is compounded monthly and added to the account every month.
Heritage State Bank ATM/Debit MasterCard
Unlimited check writing capability
 
Rate Information: The interest will be compounded and credited to your account monthly. You’ll find the interest rate and annual percentage yield in the Heritage State Bank Rate Chart.  Just stop by one of our offices to obtain a copy.    
Balance Information: You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.
Limitations: You must deposit $1,000.00 to open this account.  NOW accounts can only be held by an individual, sole proprietorship, non profit entity, or government. 
Account Fees: A minimum balance fee of $15.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle.
Additional Details: NOW is an acronym that stands for "negotiable order of withdrawal."  It is a transaction account and, thus, is subject to the highest reserve requirements imposed by Regulation D. 
 
Money Market Checking Account
Benefits:
Offers a great interest rate in exchange for large deposits.
  
Rate Information: Interest will be compounded monthly and will be credited to the account monthly.
Balance Information: You must maintain a minimum balance of 2,500.00 in the account each day to obtain the disclosed annual percentage yield.
Limitations: You must deposit $2,500.00 to open this account.  There can be no more than six "convenient" withdrawals per month.  All ofther transactions are unlimited.  Call a Heritage State Bank customer representative for more details.   
Account Fees: A minimum balance fee of $15.00 will be imposed every statement cycle if the balance in the account falls below $2,500.00 any day of the cycle.  

 
Check Orders

Save time by ordering your checks here, directly from Deluxe.

 
Check 21

The Federal Reserve Board's Check Clearing for the 21st Century Act is making checking faster and more efficient.  To learn more about how Check 21 could effect you, click the following link: http://www.federalreserve.gov/paymentsystems/truncation/faqs2.htm