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Personal Demo

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HERITAGE PERSONAL CHECKING

The Heritage Personal checking account is designed to fit your basic checking needs. You pay no account maintenance fee with no minimum balance requirement.

  • Minimum to open $100.00
  • Unlimited check writing
  • No monthly account maintenance fee
  • No minimum balance requirement
  • Direct deposit
  • ATM card issuance
  • Visa check card available upon approval
  • Itemized statement provided monthly with check images
 

HERITAGE PLUS CHECKING

The Heritage Plus checking account is for individuals who maintain a higher balance with the option of earning interest*. You pay no account maintenance fee provided you maintain an average daily balance of $2,500.00 for the statement cycle.

  • Minimum to open $100.00
  • Unlimited check writing
  • Direct deposit
  • ATM card issuance
  • Visa check card available upon approval
  • Itemized statement provided monthly with check images
  • You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.
  • An account maintenance fee of $12.00 will be imposed every monthly statement cycle if the average daily balance for the cycle falls below $2,500.00.
* The interest rate and annual percentage yield (APY) on your account may change at any time at the Bank's discretion.

HERITAGE GOLDEN EAGLE CHECKING

The Heritage Golden Eagle checking account is specifically designed to fit the needs of our age 50 and over customers and includes the option of earning interest*.

  • Minimum to open $100.00
  • Unlimited check writing
  • Direct deposit
  • ATM card issuance
  • Visa check card available upon approval
  • No monthly account maintenance fee
  • No minimum balance requirement
  • Free Official Checks, Travelers Checks and Money Orders
  • Free personalized wallet style checks
  • Itemized statement provided monthly with check images
  • You must maintain a minimum balance of $1,000.00 in the
    • account each day to obtain the disclosed annual percentage yield.
*The interest rate and annual percentage yield (APY) on your account may change at any time at the Bank's discretion.

HERITAGE PERSONAL SAVINGS

The Heritage Personal Savings is designed to give you immediate access to your interest** earning funds.

  • Minimum to open $100.00
  • ATM card issuance
  • Three (3) withdrawals/transfers per month at no charge*
  • Interest compounded daily and credited quarterly**
  • Itemized statement provided quarterly
  • A low balance charge of $3.00 will be imposed every quarter if the average daily balance for the quarter falls below $100.00.

* An activity service charge of $2.00 will be charged for each withdrawal/transfer in excess of three (3) per month.

**The interest rate and annual percentage yield (APY) on your account may change at any time at the Bank's discretion.

Transaction Limitations:
Transfers from a Heritage Personal Savings account to another account or to third parties by preauthorized, automatic, online or telephone transfer are limited to six per month with no more than three by debit card or similar order to third parties. Banking regulations allow you to make unlimited in person or by mail transactions.

HERITAGE LEGACY MONEY MARKET ACCOUNT

The Heritage Legacy money market investment account offers the flexibility of tiered interest* rates. You pay no account maintenance fee provided you maintain an average daily balance of $2,500.00 for the statement cycle.

  • Minimum to open $1,000.00
  • Unlimited in-person or by-mail transactions
  • Three (3) third-party checks per statement cycle (see transaction limitations below)
  • Itemized statement provided monthly with check images
  • You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.
  • An account maintenance fee of $10 will be imposed every monthly statement cycle if the average daily balance for the cycle falls below $2,500.00.

Transaction Limitations:
Transfers from a Heritage Legacy Money Market account to another account or to third parties by preauthorized, automatic, online or telephone transfer are limited to six per month with no more than three by check, draft, debit card or similar order to third parties. A MM activity charge of $5.00 will be charged for each transaction in excess of the allowable number.

*The interest rate and annual percentage yield (APY) on your account may change at any time at the Bank's discretion.

HERITAGE CERTIFICATE OF DEPOSIT

A certificate of deposit offers the best of both worlds – a higher interest rate than most money market or regular savings accounts, and more security than an uninsured investment product. Choose between a rate and maturity of 3 months to 5 years.

  • Minimum opening deposit as low as $500.00
  • Terms available from 3 months to 5 years
  • Competitive rates
  • Automatically renewable at the prevailing rate
  • Penalty may apply for early withdrawal
  • Use a certificate of deposit as collateral for a loan and obtain a lower loan interest rate.

HERITAGE INIDIVIDUAL RETIREMENT ACCOUNT (IRA)

With a Heritage Bank IRA, you can choose between a traditional IRA or Roth IRA. When deciding which IRA is best, most people consider financial goals, age and income. Consider the following to help you decide which is best for you:

A Traditional IRA may be a good choice if:
You get a current year tax deduction.
Your income is too high for a Roth IRA.
You need to rollover assets from an employer-sponsored plan.
A Roth IRA may be a good choice if:
You don't get a deduction for a Traditional IRA contribution.
You expect that tax-free withdrawals from a Roth IRA in the future will outweigh the benefits of a current tax deduction.
You anticipate that you may be in the same or a higher tax bracket in retirement than you are now.
You would like to leave your IRA funds to your heirs rather than use them during retirement.
For both Traditional and Roth IRA products:
  • Minimum opening deposit as low as $500.00
  • Terms available from 3 months to 5 years
  • Competitive rates
  • Automatically renewable at the prevailing rate
  • IRS penalty and or bank penalty may apply for early withdrawal

 

HERITAGE BASIC BUSINESS

The Heritage Basic Business checking account is designed for small/medium size businesses with limited account activity.

  • Minimum to open $250.00
  • 150 items allowed per statement cycle at no charge (“items” includes all debit items and all not-on-us checks deposited)
  • $.25 charged per item in excess of 150 items per statement cycle
  • An account maintenance fee of $10 will be imposed every monthly statement cycle
  • Itemized statement provided monthly with check images
  • Merchant services available

HERITAGE BUSINESS CHECKING

The Heritage Business Checking account is designed for businesses with high account activity.

  • Minimum to open $250.00
  • An earnings credit will be calculated based upon the average collected account balance less the reserve requirement. The earnings credit will be applied against the account maintenance charges, which can reduce or eliminate the monthly fee.
  • An account maintenance fee of $12.00 plus $.20 per debit item plus $.10 per item deposited will be imposed against the earnings credit to calculate the account maintenance fee every monthly statement cycle.
  • Itemized statement provided monthly with check images
  • Merchant services available

HERITAGE BUSINESS SAVINGS

The Heritage Business savings account offers your business the opportunity to earn interest** on excess funds.

  • Minimum to open $1,000.00
  • Three (3) withdrawals/transfers per month at no charge*
  • Interest compounded daily and credited quarterly**
  • Itemized statement provided quarterly
  • A low balance charge of $3.00 will be imposed
    • every quarter if the average daily balance for the quarter falls below $1,000.00.

* An activity service charge of $2.00 will be charged for each withdrawal/transfer in excess of three (3) per month.

**The interest rate and annual percentage yield (APY) on your account may change at any time at the Bank's discretion.

Transaction Limitations:
Transfers from a Heritage Business Savings account to another account or to third parties by preauthorized, automatic, online or telephone transfer are limited to six per month with no more than three by debit card or similar order to third parties. Banking regulations allow you to make unlimited in person or by mail transactions

HERITAGE BUSINESS LEGACY MONEY MARKET ACCOUNT

The Heritage Business Legacy money market investment account offers the flexibility of tiered interest* rates. You pay no account maintenance fee provided you maintain an average daily balance of $2,500.00 for the statement cycle.

  • Minimum to open $1,000.00
  • Unlimited in-person or by-mail transactions
  • Three (3) third-party checks per statement cycle (see transaction limitations below)
  • Itemized statement provided monthly with check images
  • You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.
  • An account maintenance fee of $10 will be imposed every monthly statement cycle if the average daily balance for the cycle falls below $2,500.00.

Transaction Limitations:
Transfers from a Heritage Legacy Money Market account to another account or to third parties by preauthorized, automatic, online or telephone transfer are limited to six per statement cycle with no more than three by check, draft, debit card or similar order to third parties. A MM activity charge of $5.00 will be charged for each transaction in excess of the allowable number.

*The interest rate and annual percentage yield (APY) on your account may change at any time at the Bank's discretion.

FEE SCHEDULE

Account Closing   $10 (within first 6 months)
   
Account History   $2 per statement
   
Account Research   $30 per hour plus $2 per item
   
ATM/CheckCard Issue   No charge
     Replace Lost Card   $5
     Transactions   No charge assessed by Heritage Bank of Florida
   
Bill Pay   No Charge
   
Business Bill Pay   No Charge
   
Check Printing   Varies depending on style of checks ordered
   
Collection Items  
     Domestic   $10
     International   $25
   
Counter Items   No charge
   
Deposit Item Returned   $5 per item
   
Dormant Fee $10 per month
     No activity for 12 months  
   
Hold Mail   $10 per month
   
Internet Banking   No Charge
   
IRA Account Closing   $20 (within first year)
   
Legal Attachments   $50 plus costs
     Levies, Garnishments, etc.  
   
Money Orders  
     Customer   No Charge
     Non-customer   $3
   
Notary Service  
     Customer   No charge
     Non-Customer   $5 per document
   
NSF Check Paid Fee $30 per item
NSF Check Returned Fee $30 per item
   
Official Checks  
     Customer   No charge
     Non-customer   $10
   
Stop Payment   $20 per item
   
Travelers Checks  
     Customer   No Charge
        Checks for 2   $1 per $100
     Non-Customer   $1 per $100
        Checks for 2   $2 per $100
   
Wire Transfers  
     Incoming Domestic   $10
     Outgoing Domestic   $14
     International   $45