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.