Checking Accounts
Earn a great rate or cash back for everyday spending – and watch the rewards add up.
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Great Rate Checking
Earn a 5% Annual Percentage Yield (APY)1 with this popular interest checking account and get refunds on ATM fees nationwide when you meet the qualifications each monthly statement cycle:
- Have at least 15 debit card purchases post and settle;
- Have at least one automatic payment from your checking account (ACH) AND;
- Have at least one direct deposit (ACH) post and settle;
- Enroll in and agree to receive eStatements;
- Enroll in and log into online banking or our mobile banking app.
- $25 minimum opening deposit2
- No minimum balance to earn rewards
- No monthly service fee with eStatement or $4.00 for paper statements2
- Earn refunds on ATM fees nationwide
- Online and Mobile Banking with Bill Pay Online
- Mastercard® Chip Debit Card
Account transactions and activities may take one or more days to post and settle to the account and all must do so during the current Monthly Statement Cycle in order to qualify for the account’s rewards. Monthly Statement Cycles for Great Rate Checking end on the last business day of each month. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued by our bank.
Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. A $25.00 minimum deposit is required to open the account. Enrollment in electronic services (e.g. online banking, electronic statements, and log-ons) may be required to meet some of the account’s qualifications. Limit 1 account per social security number. There are no recurring monthly service charges or fees to open or close this account. Contact one of our bank service representatives for additional information, details, restrictions, processing limitations, and enrollment instructions. Member FDIC.
1When your Great Rate Checking Account qualifications are met during a Monthly Statement Cycle, balances up to $50,000 receive an annual percentage yield (APY) of 5.00%; and balances over $50,000 earn 0.25% interest rate on the portion of balance over $50,000, resulting in a range from 4.89% to 1.83% APY depending on the account’s balance. Reimbursements will be issued up to an aggregate total of $20.00 ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Statement Cycle in which you qualified. When Great Rate Checking qualifications are not met, all balances in the account earn 0.01% APY and ATM fees are not reimbursed. Interest and ATM fee reimbursements will be credited to your Great Rate Checking account on the last day of the current statement cycle. Annual Percentage Yield (APY) is accurate as of 1/28/2025. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.
2No fee for eStatements or $4 fee for paper statements, however, receiving paper statements will nullify qualifications. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.
Effective Date: 2/5/2025
| Average Daily Balance | 5.00% APY* | Monthly Earnings |
|---|---|---|
| $5,000 | $250 | $20.83 |
| $10,000 | $500 | $41.67 |
| $25,000 | $1,250 | $104.17 |
| $50,000 | $2,500 | $208.33 |
*Statement cycles for Great Rate Checking end on the last business day of each month.
Heritage Cash Back
Earn up to $6.00 cash back and reimbursements on ATM fees nationwide when you meet the monthly qualifications*:
- Have at least 12 debit card purchases post and settle;
- Have at least one automatic payment (ACH) OR at least one direct deposit (ACH) post and settle;
- Enroll in and agree to receive eStatements;
- Enroll in and log into online banking or our mobile banking app.
- $25 minimum opening deposit
- No minimum balance to earn rewards
- No category restrictions on purchases
- No monthly service fee w/eStatements or $4.00 for paper statements2
- Online and Mobile Banking with Bill Pay Online
- Earn refunds on ATM fees nationwide
- Mastercard® Chip Debit Card
*When your Heritage Cash Back qualifications are met during a Monthly Statement Cycle, you will earn rewards based on the total cumulative debit card purchases that post and settle to the account during the current Monthly Statement Cycle period: $2.00 for Tier 1 ($50.00 - $149.99); $4.00 for Tier 2 ($150.00 - $299.99); or $6.00 for Tier 3 ($300.00). A maximum of $6.00 cash back may be earned per Monthly Statement Cycle. You will also receive reimbursements up to $20.00 ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Statement Cycle in which you qualified. When Heritage Cash Back qualifications are not met, no cash back payments are earned and ATM fees are not be reimbursed. Cash back payments will be credited to your Heritage Cash Back account on the last day of the current statement cycle and ATM refunds will be credited to your account the day qualifications are met and then the day of an ATM transaction until the end of the statement cycle. Rates and rewards are variable and may change after account is opened.
2No fee for eStatements or $4 fee for paper statements, however, receiving paper statements will nullify qualifications. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.
Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Statement Cycle to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued by our bank.
Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. A $25.00 minimum deposit is required to open the account. Enrollment in electronic services (e.g. online banking, electronic statements, and log-ons) may be required to meet some of the account’s qualifications. Limit 1 account per social security number. There are no recurring monthly service charges or fees to open or close this account. Contact one of our bank service representatives for additional information, details, restrictions, processing limitations, and enrollment instructions. Member FDIC.
Effective Date: 2/5/2025
| Rewards Tier | Monthly Spending | Monthly Earnings |
|---|---|---|
| Tier 1 | $50.00 - $149.99 | $2.00 |
| Tier 2 | $150.00 - $299.99 | $4.00 |
| Tier 3 | $300.00 + | $6.00 |
Current Monthly Statement Cycles for Heritage Cash Back
| Qualification Start: (2nd Wednesday of month) | Qualification End: (2nd Tuesday of month) |
|---|---|
12/11/2024 | 1/14/2025 |
| 1/15/2025 | 2/11/2025 |
| 2/12/2025 | 3/11/2025 |
| 3/12/2025 | 4/8/2025 |
| 4/9/2025 | 5/13/2025 |
| 5/14/2025 | 6/10/2025 |
| 6/11/2025 | 7/8/2025 |
| 7/9/2025 | 8/12/2025 |
| 8/13/2025 | 9/9/2025 |
| 9/10/2025 | 10/14/2025 |
| 10/15/2025 | 11/11/2025 |
| 21/12/2025 | 12/9/2025 |
| 12/10/2025 | 1/13/2026 |
Basic Checking
Need an everyday checking account with no fee and no minimum balance? This one gives you all that and more.*
- No monthly fee with eStatements
- No minimum balance
- $25 minimum opening deposit
- Mobile Banking and Mobile Deposit
- Online Banking and Bill Pay Online
- Mastercard® Chip Debit Card with approval
- Unlimited check writing
- Overdraft Privilege with approval
*No fee for eStatements or $4 fee for paper statements. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. A $25.00 minimum deposit is required to open the account. Enrollment in electronic services (e.g. online banking, electronic statements, and log-ons) may be required to meet some of the account’s qualifications. There are no recurring monthly service charges or fees to open or close this account. Contact one of our bank service representatives for additional information, details, restrictions, processing limitations, and enrollment instructions. Member FDIC.
Scholars Checking
Designed to help students learn how to manage their money, this starter checking account comes with a bonus: no monthly fee.1
- No monthly fee with eStatements2
- No minimum balance
- $25 minimum opening deposit
- Mobile Banking and Mobile Deposit
- Online Banking and Bill Pay Online
- Free Mastercard® Chip Debit Card
1Scholars Checking Account is for students. If under age 18, a guardian must also be an owner and signer. Account will convert to a Basic Checking account when student reaches 21 years of age. No fee for eStatements or $4 fee for paper statements.
2No fee for eStatements or $4 fee for paper statements. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. A $25.00 minimum deposit is required to open the account. Enrollment in electronic services (e.g. online banking, electronic statements, and log-ons) may be required to meet some of the account’s qualifications. There are no recurring monthly service charges or fees to open or close this account. Contact one of our bank service representatives for additional information, details, restrictions, processing limitations, and enrollment instructions. Member FDIC.
Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.
Heritage Gold Senior Checking
If you're 50-plus, this one is for you – with perks like unlimited check writing plus interest. You've earned it. Enjoy it!1
- No monthly fee
- No minimum balance
- $25 minimum opening deposit
- Tiered interest rates
- Free bank stock checks
- Unlimited check writing
- Mobile Banking and Mobile Deposit
- Online Banking and Bill Pay Online
- eStatements or paper statements
- Mastercard® Chip Debit Card
- Overdraft Protection with approval
1The Heritage Gold Senior Checking is for those that have reached 50 years of age. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. A $25.00 minimum deposit is required to open the account. There are no recurring monthly service charges or fees to open or close this account. Contact one of our bank service representatives for additional information, details, restrictions, processing limitations, and enrollment instructions. Member FDIC.
Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.
Mastercard® Debit Card
Enjoy the flexibility of using your Heritage Bank & Trust Mastercard Debit Card for ATM transactions and purchases. Our card comes with our pledge to help protect you against debit card fraud. We're here when you need us.
Learn more about ID Theft Protection.
Lost or Stolen Debit Card
If you need to report debit card fraud or a lost or stolen debit card, please contact Hot Card Services at 1-833-311-0067.
Traveling with your Debit Card
Please contact us before your departure to avoid problems using your Heritage Bank & Trust Debit Card while traveling outside of Tennessee.
- Monitored by trained analysts who watch for suspicious transaction activity on your behalf, 24/7, 365 days a year
- Immediate outreach by an experienced fraud analyst to verify the authenticity of your card transactions, if warranted
Compare Checking Accounts
- Features
- Great Rate Checking
- Heritage Cash Back
- Heritage Gold Senior Checking
- Basic Checking
- Scholars Checking
*when qualifications are met
More Resources
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