Financial Education
Dive deeper into financial literacy, your credit score and overdraft protection best practices.
Financial Literacy Fun for Kids of All Ages
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Financial Literacy Program
As your community partner, we enjoy teaching financial education to kids of all ages. Reach out to learn more about our financial literacy program or to schedule a financial education presentation.
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Personal Finance 101
Learn tips for young adults and college students
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Youth & Money
Use these tips and resources to help young people understand money concepts that will set them on the path to a smart financial future.
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Fun Activities
If you're a pre-k or elementary school teacher looking for a classroom activity to help instill the joys of saving from an early age, download these activities to help make learning financial security fun!
Coloring Sheets
Needs vs Wants Coloring Sheets
Savings Jar Wraps Coloring Sheets
Helpful Websites
Bookmark these sites for guides to good fiscal management and financial health.
Mapping Your Future provides a 12-step guide to financial success.
National Foundation for Credit Counseling is a nonprofit network of 1,450 member agencies that helps people dealing with stressful financial situations. Consult their site for links and information on financial counseling, debt planner tools and more.
Retirement Planning and Financial Fitness, a government-sponsored website for The Department of Labor, provides helpful links for retirement planning and lifelong financial fitness.
Mastercard is committed to providing consumer protection against fraud. Learn about Zero Liability and other programs designed to educate and empower you.
Credit Reports
Your Credit Report Matters
- Know your credit score.
- Improve your credit score – and your odds of qualifying for a better mortgage rate, credit card approvals and more.
- Review credit reports to catch signs of identity theft early.
Free Credit Reports
Federal law allows you to get a free copy of your credit report every 12 months from the three major nationwide credit reporting companies (Equifax, TransUnion and Experian). Request your free credit reports to ensure the information they contain is correct and up to date.
Overdraft Protection
Overdraft Protection & Overdraft Privilege
Learn about our Overdraft Protection & Overdraft Privilege program and contact us if you have questions.
Ready to sign up? Download our consent form and drop it off at any Heritage Bank & Trust branch location.
Veterans Resources
Are you a military family? These are designed just for you.
Great Rate Checking
Our most popular interest checking account pays you 5% APY* and refunds ATM fees with minimal monthly requirements.
Fraud Resources
American consumers reported $10 billion in fraud losses to the FTC in 2023. Learn how to protect yourself.
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