Checking Accounts

Interested in moving your accounts to First Heritage? Make the Switch.

Your personal checking account is your passport to financial transactions. A checking account is the basic tool you'll need to pay for services, make bill payments and more. We have a variety of checking accounts to meet every individual and family need. Each account below includes a FREE debit card, online banking, and mobile banking.¹

Connect with a Banker to start the account opening process or contact the nearest First Heritage Financial Center to see which checking account fits you best. We'll walk you through making the switch to First Heritage, where We Revolve Around You!

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Affinity Checking

Designed for individuals who are just starting out and keep low balances.

Interest Checking

Created for those who want to earn interest on higher balances.

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Rewards Checking

Designed for those who want to earn cash-back rewards for all non-PIN transactions.

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Golden Rewards Checking

Created for individuals 50+ who desire interest on higher balances.

	Affinity Checking	Interest Checking	Rewards Checking²	Golden Rewards Checking³
Minimum Balance (to avoid monthly fee)⁴	None	$1,000	None	None
Minimum Balance Fee⁵	N/A	$10/month	N/A	N/A
Checks	Available	Available	Available	Free Golden Rewards Checks⁶
Debit Card⁷, Online Banking and Mobile Banking¹	Free	Free	Free	Free
Interest	No	Contact a Financial Center for current rates	No	Contact a Financial Center for current rates
Non-First Heritage ATM Transactions	Standard Fee Applies	Standard Fee Applies	Up to $20 refunded per month⁸	Up to $20 refunded per month⁸
Debit Card Cash Rebate	No	No	$0.05 / non-PIN transaction⁹	No

¹Third party service provider fees may apply.

²Rewards Checking requires an active monthly direct deposit or enrollment in e-Statements through First Heritage Online Banking.

³Primary account holder must be age 50 or older to qualify. An active monthly direct deposit, such as payroll or retirement, is required to earn advertised rates. Without meeting requirements, account will earn 0.03% base rate. Offer and interest rate subject to change at any time. Interest rate may change after account opening. Fees may reduce earnings.

⁴First deposit due at account opening.

⁵Fees may reduce earnings.

⁶Other check styles available at additional cost.

⁷Overdraft fees may apply.

⁸Up to $20.00 refunded for non-First Heritage ATM uses per statement cycle.

⁹Each non-PIN based debit card purchase earns a $0.05 cash back reward.

Do I need a checking account?

A checking account is an essential tool in managing your money, and offers many features that make everyday banking more convenient. Learn about the benefits of a checking account from First Heritage.

Learn more about Checking Accounts