A Checking Account is the freedom to access your money anytime, anywhere and know it’s safe. We have checking accounts layered with benefits to provide you with the freedom of 24/7 access and the safety of knowing we are here to protect you.

  • Free Access Checking - A totally free checking account with no service or minimum balance requirements.

  • Prime Advantage Checking - Checking for our members age 50 or better. No service charges.**

  • Future Advantage Checking (24 and Under) - A checking that keeps pace with your lifestyle. No service charges or minimum balance required.

  • Merit Checking - Greater earning power at a preferred rate when you maintain a $500 balance.*

  • 2nd Chance Checking - Provides access to affordable financial services to those who have had difficulty in qualifying for a checking account. A $10 monthly service charge is attached to this account.

  • Money Market Checking - Pays higher dividends than a regular checking or savings account.**

  • Health Savings Account (HSA) - A deposit account for the purpose of saving money for health care expenses. High deductible health plan (HDHP) required.

Free member benefits with a checking account:
MyMoney Card, Online & Mobile Banking, Bill Pay, e-Statements, Telephone Banking, access to Fee Free ATM Usage, Direct Deposit, Heritage Choice Rewards (not offered on HSA)

MyMoney Card Benefits:
Use Anywhere Visa® debit cards are accepted, deduct payments directly from your checking account, use as an ATM card and Heritage Choice Rewards


*Merit Checking has a $5 monthly fee if the balance falls below $500 at any time.

**For HFCU paid Prime Advantage, Money Market and HELOC check reorders placed online, Heritage Federal Credit Union will cover standard delivery only. All other delivery methods will be charged to the member’s checking account for which the order is being placed.

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