Checking Accounts
Choose from a variety of convenient and inexpensive checking solutions.


 Basic Business CheckingBusiness CheckingBusiness Interest CheckingPremium Legacy Checking
Best for: Businesses with low to moderate activity levels. Businesses with moderate to high activity levels.

Sole proprietors and non-profit organizations. Non-profit organizations and foundations.
Minimum opening balance: $2,500 $2,500 $2,500 None
Monthly service charges: $0 mon. srvc. chrg. with avg. daily available balance greater than $20,000; $5 with avg. daily available balance of $10,000.01 - $20,000; $10 with avg. dailiy available balance of $5,000.01 - $10,000; $15 with avg. daily available balance of $2,500.01 - $5,000; & $20 when avg. daily available balance is $2,500 or less. $18 plus any analysis fees assessed.

May be offset by credit earnings on account balances.

Waived with minimum daily balance of $5,000.

Waived with average daily available balance of $7,500.
Online access: yes check yes check yes check yes check
Phone access: yes check yes check yes check yes check
Features: No monthly service charge if balance and activity requirements are met. Account earnings can offset service charges. Pays interest. Pays interest.

No monthly service charge.

Free official checks, first order of 500 standard checks free or discount on special orders.

Discount on safe deposit box rental. (Safe deposit contents are not FDIC insured.)

Chart Key

Rates and fees are subject to change.
Debit Cards
  We offer a variety of cards, including our VISA® Rewards check card. To check your Heritage Direct check card rewards activity, please visit For lost or stolen cards, please contact 1-800-554-8969. Available 24 hours a day.