Business Checking
Whether you have a few monthly transactions or a few hundred, we have a business checking account for you. Need help opening an account? Relax, we'll help you walk through it.
Basic Business Checking
Do you have 75 or fewer items per month? You'll want this low-volume, low-maintenance small business checking account.
- $25 minimum opening deposit1
- $500 minimum daily balance to avoid $7.50 monthly service charge
- No monthly service fee w/eStatements2
- Free Online Banking with Bill Pay Online
- Free Mastercard® Chip Debit Card with approval
- Free telephone banking
- Overdraft protection with approval
1Account 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.
2$4 monthly fee if customer requests paper statements
Business Checking
If you average up to 150 items a month, you may want to opt for our medium-volume business checking account.
- No minimum opening deposit1
- $5,000 average collected balance to avoid $10 monthly service charge
- No monthly service fee w/eStatements2
- Free Online Banking with Bill Pay Online
- Free Mastercard® Chip Debit Card with approval
- Free telephone banking
- Overdraft protection with approval
1Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. 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.
2$4 monthly fee if customer requests paper statements
Commercial Analyzed Account
Designed for larger businesses, this business checking account looks at your total banking relationship and maximizes your interest and fees accordingly.
- No minimum opening deposit1
- No minimum monthly balance (fees based on account activity)
- $25 additional fees based on account analysis2
- Earned interest credits based on collected balance to offset analysis fees2
- Free Online Banking with Bill Pay Online
- Free Mastercard® Chip Debit Card with approval
- Free telephone banking
- Overdraft protection with approval
1Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. 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.
2Contact client banker for full list of commercial analysis fees.
Heritage Heart Checking
Are you a non-profit member of our community? This no-fee, interest-bearing small business checking account is expressly designed to help you spend more of your time and money fulfilling your mission.
- No minimum opening deposit1
- No minimum monthly balance required
- No monthly service fee w/eStatements2
- Tiered interest based on collected balance
- Free Online Banking with Bill Pay Online
- Free Mastercard® Chip Debit Card with approval
- Free stock checks, available in-branch
- Free telephone banking
- Overdraft protection with approval
1Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. 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.
2$4 monthly fee if customer requests paper statements. Contact client banker for fee schedule. Qualification depends on volume.
Mastercard® Business Debit Card*
Get easy access to your funds worldwide plus 24/7 fraud protection with this Heritage Bank & Trust business debit card.
Questions? Call (931) 388-1970.
Need to report fraud or a lost or stolen debit card? Call (800) 264-5578.
- Protected by FraudWatch® PLUS
- Monitored for suspicious transaction activity by experienced fraud analysts
- Immediate notification at the first sign of fraud to verify the authenticity of your card transactions
Compare Accounts
- Features & Benefits
- Basic Business Checking
- Business Checking
- Commercial Analyzed Account
- Heritage Heart Checking
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