Consumer Checking Comparison
| EZ Checking | Preferred Checking | Silver Checking | Direct Deposit | |
| Minimum To Open | $50 | $50 | $50 | $50 |
| Interest Bearing | No | Yes | Yes | Yes |
| Minimum Balance Required | $0 | $500 to earn interest and avoid fee | $0 | $0 |
| Monthly Service Charge | $0 | $10 per statement cycle if balance falls below $500 | $0 | $7 without a direct deposit or automatic loan payment |
| Unlimited Check Writing | Yes | Yes | Yes | Yes |
| Checks | Standard rates appy | Free Heritage Bank standard checks | Free Heritage Bank standard checks | Free Heritage Bank standard checks |
| Imaged Checks | Online | Online | Online | Online |
| ATM/Debit Card | Free | Free | Free | Free |
| Online Banking & Bill Pay | Free | Free | Free | Free |
| Bank-By-Phone | Free | Free | Free | Free |
| Out of Network ATM Transactions | 4 Free per month | 4 Free per month | 4 Free per month | 4 Free per month |
| Traveler's Checks, Money Orders & Cashiers Checks | Normal Rates | Normal Rates | Free* | Normal Rates |
| Safe Deposit Box Discount | 20% discount with automatic payment. | 20% discount with automatic payment. | 30% discount. Additional 20% with automatic payment. | 20% discount with automatic payment. |
* Traveler's Checks are free for one person only.
