All transactions after 3:00 PM or on Saturday will be posted on the following business day.

We also offer a wide range of check types for consideration, including duplicate checks.

Regular Checking

Designed to accommodate those customers needing a low cost, no interest personal checking account with no restrictions.

$100.00 Minimum deposit required

Average Daily Balance Monthly Fee
$0.00 - $500.99 $8.50
$501.00 - $600.99 $7.00
$601.00 - $750.00 $6.00
Over $750.00 -0-
Over 50 checks or debits $0.20 each

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Interest Checking

Designed for those individuals with larger balances that desire interest paid on the personal accounts.

$1,000.00 Minimum deposit required.

Average Daily Balance Monthly Fee
$0.00 - $500.99 $12.00
$501.00 - $999.99 $8.50
$1,000.00 and over -0-
 

No interest will be paid on average daily balances under $1,000.00.

Unlimited transactions included per month.

Interest Bearing Checking++
Rates Effective November1, 2008
Interest Rate
APY*
Minimum to Obtain APY
Required to open
Tier 1
1.000%
1.00%
$1,000.00
$1,000.00
Tier 2 $25,000.00
1.100%
1.10%
Tier 3 $100,000.00
1.200%
1.20%
* APY = Annual Percentage Yield. The APY assumes funds will remain on the deposit a full year at the advertised rate.

++ At our discretion, we may change the interest rate and APY on the above listed account at any time. The interest rate and annual percentage yield may change after account opening.

Fees could reduce the earnings on the account

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Money Market Checking

Designed for those individuals with larger balances that desire interest paid on the personal accounts.

$1,000.00 Minimum deposit required

Average Daily Balance Monthly Fee
$0.00 - $500.99 $12.00
$501.00 - $999.99 $8.50
$1,000.00 and over -0-
 

No interest will be paid on average daily balances under $1,000.00.

You may make only 6 transfers from your account each month, 3 by checks to third parties and 3 automatic transfers.

Money Market Checking++
Rates Effective November1, 2008
Interest Rate
APY*
Minimum to Obtain APY
Required to Open
Tier 1
1.000%
1.000%
$1,000.00
$1,000.00
Tier 2 $25,000.00
1.100%
1.200%
Tier 3 $100,000.00
1.200%
1.200%
* APY = Annual Percentage Yield. The APY assumes funds will remain on the deposit a full year at the advertised rate.

++ At our discretion, we may change the interest rate and APY on the above listed account at any time. The interest rate and annual percentage yield may change after account opening.

Fees could reduce the earnings on the account

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Student Checking

$50.00 Minimum deposit required

As recognition for your accomplishments, there will continue to be no monthly service charge for four years after your high school graduation.

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Free Checking

$50.00 Minimum deposit required

Includes these features and benefits:

  • No monthly service charge
  • Neither cancelled checks nor images will be returned with statements
  • First 50 checks free with paid check order

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Senior Checking

The Senior Account is for those individuals who are 60 years or more and includes these benefits:

$100.00 Minimum deposit required

Includes these features and benefits:

  • No monthly maintenance fee on non-interest bearing checking accounts
  • Receive interest from certificates of deposit monthly, quarterly, semi-annually or annually
  • No fee on travelers checks, personal money orders or copies (limit 10 copies per month)

The only requirement is that you have to sign up to receive the benefits.

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Advantage Checking

$100.00 Minimum deposit required

Includes these features and benefits:

  • No charge for copies (limit 10 per month), personal money orders, travelers checks or notary service
  • Lost key return
  • Credit Card registration
  • Discounts on travel and recreation
  • Emergency medical ID card

For a $8.00 monthly fee - All of these benefits plus $10,000.00 accidental death or dismemberment insurance.*

For a $10.00 monthly fee - all of these benefits plus $30,000.00 accidental death or dismemberment insurance.*

*NOTE: Insurance is not FDIC insured.

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First Heritage Bank FDIC EHL