Helpful Information

Lost or Stolen Contact Information

Report Lost or Stolen Debit or Credit Card

During normal business hours contact 931-388-1970.
After-hours, contact information
- Mastercard^® EMV Debit Cards - 833-311-0067
- Heritage Bank Credit Card – Contact Bankers Bank at 1-800-556-5678

Report Debit Card Charge Disputes/Fraud

Please contact 833-311-0067

Lost or Stolen Checkbook

Please contact the bank during normal business hours at 931-388-1970.

Find a MoneyPass ATM

The MoneyPass network offers more than 24,000 surcharge-free ATMs coast to coast located where you live, work and travel. Not near a MoneyPass ATM? With Heritage Bank & Trust Heritage Cash or Heritage Cash Back Checking accounts, you can earn refunds on ATM fees, nationwide (up to $4.99 per single transaction/$20.00 per month when qualifications are met).

Safety Tips

Debit Cards

Keep your card in a safe place to avoid damage or theft.
Memorize your Personal Identification Number (PIN). Never write the PIN down on anything in your wallet or on the card.
When selecting a PIN, avoid numbers and letters that relate to your personal information. For example, don’t use your initials, birthday, telephone or Social Security number. If you have such a number, contact the bank and get a new PIN issued.
Always shield the screen and keyboard to protect your PIN from bystanders.
Immediately report a lost or stolen card - Contact Us

ATM Safety

Observe your surroundings before using an ATM. If the machine is obstructed from view or poorly lit, visit another ATM.
Be sure the ATM displays at least one of the following brand marks: MasterCard^®, Maestro^®, Cirrus^® or MoneyPass^®.
Put your card and cash away immediately. Count your money later, and always keep your receipt.
If you see anyone or anything suspicious, cancel your transaction and leave immediately. If anyone follow you after making a transaction, go to a crowded, well-lit area and call the police.
When using an enclosed ATM that requires your card to open the door, avoid letting strangers follow you inside.
When using a drive-up ATM, make sure all passenger car doors are locked and windows are up.
Do not leave your car unlocked or engine running when you get out to use an ATM.
While many ATMs are available 24 hours a day, some may be open only during local business hours. To be on the safe side, plan your withdrawals ahead of time.

Online Safety

Don’t share your User ID and password with anyone that you don’t want accessing your account.
Create a very unique password. Don’t reuse passwords for multiple sites.
Commit your password to memory. Do not write it down or share it.
Log off when you are done with Online Banking.
Be cautious about the e-mails you reply to.
Never click on a link in an e-mail message that asks you to provide sensitive personal, financial or account information.
If you are asked to update or verify personal or account information, call Heritage Bank & Trust first.
When your computer is not in use, shut it down or disconnect it from the Internet if you are not protected by a firewall.

Contact Information

Begin the Account Application Process

Are you interested in banking with Heritage Bank & Trust? Fill out our switch kit below to to start the process. To complete the process, you must be present to provide identification and sign required documents. Following receipt of this Switch Kit a Heritage Bank & Trust representative will contact you to make an appointment to complete your new account application process.

Switch Kit

Address Change

Visit a branch.
Call our office at 931-388-1970.

Request a Stop Payment

You can request a stop payment within Online Banking. Please contact a branch if you need to place a stop payment on a range of checks or an ACH payment.

Send us an email

Fraud Resources

Become Fraud Educated

Don’t be an online victim: Visit the FDIC’s Consumer Assistance & Information page for more info to stay informed and protect yourself from scams and fraud.
Visit the Federal Trade Commission’s Privacy, Identity & Online Security page for tips to protect your information and identity.

To Report Fraud

Suspicious Email

To report a suspicious email that uses Heritage Bank & Trust’s name or logo, forward it to us immediately at onlinebanking@heritagebankandtrust.com.

Activity on your Heritage Bank & Trust Account

Privacy Policy

Protecting your privacy is important to Heritage Bank & Trust and our employees. We want you to understand what information we collect and how we use it. In order to provide our customers with a broad range of financial products and services as effectively and conveniently as possible, we use technology to manage and maintain customer information. The following policy serves as a standard for all Bank employees for collection, use, retention, and security of nonpublic personal information.

Click here to view the PRIVACY POLICY.

In-Branch Services

Coin Counting
Drive-thru Windows
Notary Services
Night Depository
Safe Deposit Boxes

Travel Plans?

Please call 931- 388-1970 before you travel to avoid unnecessary hassles with your Heritage Bank & Trust Mastercard® Debit Card. For even more control, download the My Mobile Money App for greater control while you travel.

Overdraft Privilege & Protection

Life happens! Heritage Bank & Trust understands that unexpected overdrafts occur from time to time – Overdraft Coverage can help. Protect your checking account from additional overdraft fees with Overdraft Protection and Overdraft Privilege. Visit or call your local branch for complete details today! Overdraft Protection Visit our Money Management page for helpful information.

Fees & Service Charges

For a list of current fees and service charges, please contact us at (931)388-1970.

ATM PIN Selection

Select your own Mastercard^® Debit Card personal identification number (PIN) instantly and confidentially at any Heritage Bank & Trust ATM. Simply follow the instructions and choose a PIN that is easy for you to remember. You may also change your PIN by calling 1-800-448-8268 or stopping by a branch.

Telephone Banking

A perfect solution when you need to check your account balances but aren't near a computer. Add this number to your speed dial! Simply call 931-375-2265.

To register for the first time you will need the last four digits of your Social Security Number. Have your account numbers available.

ACH Payments

Schedule transfers to or from accounts at other financial institutions. Contact us today to learn more. Stop by your local branch to complete the setup.

Billpay Support

Paying bills is Fast and Free with Heritage OneClick Billpay! Visit our Online Banking page to learn more. For support, call 888-807-0738.