Account Solutions


55 & Better Free Checking


Specially designed for members 55 and older, this account is absolutely free.

  • No monthly fees or per check charges
  • No minimum balance requirements
  • Free Exclusive Sands Design Checks
  • Free online check images
  • Free online banking with free Bill Pay
  • Free Visa® Debit Card

You can access your money surcharge-free at any First Heritage-owned ATM, or at any of 28,000 CO-OP Network ATMs in the United States and Canada. To find available sites, just use the "ATM Locator" at, or call 1-888-SITECOOP.