Fee Schedule
data accurate as of
November 2009
Checking Account
Reconcilication Worksheet
Routing Number
281378108
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Heritage Federal Credit Union offers several different checking choices to meet your specific needs. Plus, we make switching to Heritage Federal Credit Union easy with our convenient Switch-Kit. You can also reorder checks online.
Whether you're a checking account rookie or pro, use our Checking Account Coach to learn about these topics:
- The basics of checking accounts.
- Protecting yourself from check fraud.
- Keeping track of what's in your account.
- Saving time and money with your checking account.
Point2Point Rewards With Your Checking
You won’t find another financial institution in this area with a program like Point2Point Rewards. When you have an Heritage Federal Credit Union checking account and Express Check debit card, you earn points and rewards when you use your debit card for qualified purchases.
- Bonus of 100 points will be awarded to a member when they use their new Express debit card for the first time after opening a new checking account.
- Earn one reward point for every two dollars spent on signature based purchases on your debit card.
- Redeem points for fun stuff like downloadable music, merchandise, gift cards, non-restrictive travel and cash back.
- Combine debit card and Visa points for even greater rewards.
- When you have an Heritage Federal Credit Union Express Check debit card, you're automatically enrolled in Point2Point Rewards.
Free Access Checking
If you’re looking for totally FREE checking, this is it.
- Relax with our no minimum balance requirement.
- Pay no monthly fees or per check charges.
- Access account for free through our online banking, Telephone Banking or check card.
- View online check images with online banking.
- Using the Express Check Card with this account will enable a member to earn Point2Point Rewards. See Express Check for details.
2nd Chance Checking
This account, also known as the Bank on Evansville Account, will create improved access to affordable financial services for those who have had difficulty in qualifying for a checking account.
- A $10 monthly service charge is attached to this account.
- No minimum balance requirements.
- Dividends are not paid on this account type.
- Receive descriptive monthly statements, electronic or paper format, it's your choice.
- For your convenience receive Express Check Card access (limited to $100 ATM access and $300 purchases within a 24-hour period). These may be increased after 90-days***.
- No surcharge ATM machines available at over 30 local and more than 4,600 nationwide Alliance One Network machines.
- Access your funds after hours through the ATM, Telephone Banking, Express Check Card or Online Banking.
- Using the Express Check Card with this account will enable a member to earn Point2Point Rewards. See Express Check for details.
- The member can request to convert to a standard checking account after 1-year if the member has no more than 3 NSF's in the last 90-days.
- Financial education will be available to members that open this account.
Merit Checking
If a checking account's earning power is important to you, then you want Merit Checking.
- Maintain a $500 balance, earn .50% APY.
- Keep a $1,000 balance and earn .75% APY.
- Pay no per check charges, and no monthly fees when you maintain a $500 balance.*
- View online check images with online banking.
- Using the Express Check Card with this account will enable a member to earn Point2Point Rewards. See Express Check for details.
Future Advantage Checking
To help our young adult members get off on the right financial foot, we offer the Future Advantage Checking account for members age 24 and under. It's absolutely a no service charge checking.
- Pay no check-writing fees.
- Pay no foreign ATM fees.
- Earn dividends on your account, no matter what the balance.
- Receive your first box of checks free (selected design).
- Check out Guides to Independence for info on how to manage money.
- View online check images with online banking.
- Using the Express Check Card with this account will enable a member to earn Point2Point Rewards. See Express Check for details.
Prime Advantage Checking
At Heritage Federal Credit Union we offer the Free Prime Advantage Checking account for members age 50 and better. It's our way of giving back to those who've given so much to family, jobs, community and country.
- Enjoy no service charge checking.
- Earn dividends on your account, no matter what the balance.
- Pay no per check charges.
- Receive free printed checks (selected design).**
- Pay no foreign ATM fees.
- Obtain free single party traveler's checks.
- Receive free money orders or cashier's checks (two per visit).
- View online check images with online banking.
- Using the Express Check Card with this account will enable a member to earn Point2Point Rewards. See Express Check for details.
Checking Extras
All of our checking accounts offer these value-added perks of membership.
Free Express Check Card Extras
- Use anywhere Visa® debit cards are accepted.
- Have payments deducted directly from your checking account.
- Use as an ATM card.
- Earn points redeemable for merchandise, gift cards, cash back and more through the Point2Point Rewards program.
- Eliminate the time spent writing checks.
Fraud Scout
Fraud Scout is a program built to protect you from credit and debit card fraud by detecting activity outside of your normal spending patterns. Read these Frequently Asked Questions for more information about Fraud Scout and how it works.
*Merit Checking assesses a $5 monthly fee if the balance falls below $500 at any time in a month.
** For Prime Advantage check reorders placed online, Heritage Federal Credit Union will cover third class postage only. First class postage will be charged to the Prime Advantage account.
***Express Check limits at ATM and POS will be reviewed after
90-days and these limits may be increased.
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Equal Housing Lender