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Routing Number
281378108

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Health Savings
Account Brochure
Health Savings Account brochure
 


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.

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.


Heritage Choice Rewards With Your Checking

You won’t find another financial institution in this area with a program like Heritage Choice Rewards. When you have a 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 (reissued cards are not eligible for this bonus) 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 a Heritage Federal Credit Union Express Check debit card, you're automatically enrolled in Heritage Choice 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 Heritage Choice 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 Heritage Choice 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 preferred rate.
- Keep a $1,000 balance and earn preferred rate.
- 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 Heritage Choice 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.

- Free pack of 20 checks with account opening.
- Pay no check-writing fees.
- Pay no foreign ATM fees.
- Earn dividends on your account, no matter what the balance.
- View online check images with online banking.
- Using the Express Check Card with this account will enable a member to earn Heritage Choice 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 Heritage Choice Rewards. See Express Check for details.

Money Market Checking

If you need to "park" some money where you can still access it on occasion, a money market checking account may be the answer.

- Pays higher dividends than a regular checking or savings account.
- Minimum balance to open and to earn interest on money market checking is $1,000.
- Dividends increase for balances of $10,000 and $25,000.
- Make up to six withdrawals per month, by check, ATM, or Telephone Banking by Phone.
- No monthly service charge.
- No cost for checks.
**

 

Non-Profit Checking

A checking account designed specifically for organizations that are non-profit. However, there is a $0.15 per check charge that will be assessed for each check over 150 cleared within a month.  Community and church groups such as Boy Scouts, etc. should bring their organizational papers with them when applying for this account.

- Dividends are calculated daily and compounded monthly
- No monthly service charge
- Descriptive monthly statement (Either paper or electronic)
- Access to funds through the ATM, Telephone Banking, Express Check Card and Online Banking
- Using the Express Check Card with this account will enable a member to earn Heritage Choice Rewards.  See Express Check for details.

Health Savings Account (HSA)

A deposit account for the purpose of saving money for health care expenses. To be eligible, an individual is generally someone covered by a High Deductible Health Plan (HDHP)

- Contributions are pre-tax or tax deductible
- Deposits can be made weekly, monthly, annually or by payroll deductions
- Contributions can be withdrawn for qualified medical expenses, tax and penalty free at any time.
- Earnings paid on HSA are tax-deferred for the life of the account, until withdrawn
- No "use-it or lose-it" provision
- No minimum daily balance requirement
- No monthly service charge
- Descriptive monthly statement, either paper or electronic
- Access to funds after hours through ATM, Telephone Banking, HSA Debit Card, Online Bill Pay or HSA Checks
- Checks printed in-branch at no cost

Health Savings Account FAQ

Checking Extras

All of our checking accounts offer these value-added perks of membership.

- Free Online Banking
- Free Bill Pay Service
- Free E Statements
- Free Telephone Banking
- Fee Free ATM Usage
- Free Direct Deposit
- Heritage Choice Rewards (not offered on HSA)

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 Heritage Choice Rewards
- Eliminate the time spent writing checks.

Falcon

Falcon 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 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.

***Express Check limits at ATM and POS will be reviewed after
90-days and these limits may be increased.

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812-253-MYCU(6928) 1-800-858-1693
©2014 Heritage Federal Credit Union, All Rights Reserved.
Serving Vanderburgh and Warrick County - Evansville, Newburgh and Boonville.


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Your savings federally insured to at least $250,000 and
backed by the full faith and credit of the United States Government
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This Credit Union is Federally-Insured by the National Credit Union Administration
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