Heritage Bank of Florida is a Florida-chartered, commercial bank headquartered in the unincorporated area of Lutz/Land O'Lakes, Pasco County, Florida. The Federal Deposit Insurance Corporation insures our deposits. We are an independent community bank which commenced full-service banking activities in August 1999. The Bank's primary service area includes central Pasco and north and central Hillsborough Counties. The Bank has rapidly established market share and intends to continue to develop market recognition by offering high-quality banking products and related financial services at attractive interest rates in a friendly and professional banking environment. We offer a comprehensive menu of deposit and loan products for consumer, business, institutional and governmental customers, including interest-bearing checking and money market accounts, certificates of deposit and individual retirement accounts. We believe the combination of a strong menu of products, attractive rates and premier customer service will continue to differentiate, sustain and expand Heritage Bank of Florida's presence among other banks and non-traditional financial services.

Heritage Bank of Florida has elected to participate in the FDIC’s Transaction Account Guarantee Program. Under that program, through December 31, 2010, all non-interest bearing transaction accounts* are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC’s general deposit insurance rule. *NOW accounts offered at this institution are not eligible for this guarantee.