Checking Accounts
Whether you are looking for higher dividends, cash back or a first time account for your child we have the perfect checking account to meet your needs.
Accounts to meet your needs.
Select one of our products below and see which is your perfect fit.
Explore our free checking account options!
All of our checking accounts include:
No monthly fees
No minimum balance requirements
One free box of checks for members 55+
No check or deposit fees
Free Online Check images
Choose Your Rewards:
Your Choice Between Cash Back or High Dividends!
APEX Cash Back
Free checking where you enjoy earning cash back on your purchases and refunds on ATM withdrawal fees.*
With APEX Cash Back, we basically pay you to bank with us. It’s free checking where you earn cash back, just for doing simple activities you probably already do. Earn 3.00% cash back on debit card purchases up to $9 per month.*
- Refunds on ATM withdrawal fees, nationwide (up to $25 monthly*)
- Free APEX Saver available
Here’s how easy it is to earn your rewards:
Enrollments must be in place and all of the following transactions and activities must post and settle to your APEX Cash account during each Monthly Qualification Cycle:
Enrollments must be in place and all of the following transactions and activities must post and settle to your APEX Cash account during each Monthly Qualification Cycle:
- At least 1 direct deposit, ACH transaction or bill payment
- At least 12 debit card transactions must post and settle
- Be enrolled in and agree to receive eStatements
Cash Back
3.00%*
APEX Cash
Free checking where you enjoy higher dividends and refunds on ATM withdrawal fees.*
With APEX Cash, we basically pay you to bank with us. It’s free checking that pays dividends on your balance every month, just for doing simple activities you probably already do.
- Refunds on ATM withdrawal fees, nationwide (up to $25 monthly*)
- Free APEX Saver available
Here’s how easy it is to earn your rewards:
Enrollments must be in place and all of the following transactions and activities must post and settle to your APEX Cash account during each Monthly Qualification Cycle:
Enrollments must be in place and all of the following transactions and activities must post and settle to your APEX Cash account during each Monthly Qualification Cycle:
- At least 1 direct deposit, ACH transaction or bill payment
- At least 12 debit card purchases
- Be enrolled in and agree to receive eStatements
*APY = Annual Percentage Yield. Rate may change after the account is opened. In order to earn dividends at the disclosed rate for APEX Cash, or to earn cash back on point of sale transactions using your VISA Debit Card for APEX Cash Back, and be reimbursed for domestic ATM fees incurred, during each monthly qualification cycle: (a) at least one automatic clearing house (ACH) transaction must post and settle to Your Account as evidenced by Your monthly statement; and (b) at least 12 point of sale transactions using Your Visa Check Card must post and settle to Your Account as evidenced by Your monthly statement; and (c) You must consent to receive Your periodic statements electronically. Each monthly qualification cycle will begin on the first day of the calendar month for a monthly statement cycle, and end on the last day of that same calendar month's statement cycle ("monthly qualification cycle"). Individual domestic ATM fees will be reimbursed at an amount equal to the actual fees incurred during a monthly qualification cycle (subject to a total reimbursement of $25.00 during any such monthly qualification cycle), except to the extent that ATM fees of $5.00 or more will not be reimbursed unless you present a copy of the original receipt that details the specific amount of the total charge. On the last day of each cycle (subject to Your meeting the qualifying criteria during the current qualification cycle), earned dividends and reimbursements will post to Your Account, as applicable. Each member may be the primary owner of one APEX Cash Checking or one APEX Cash Back Checking Account.
*APY = Annual Percentage Yield. Rate may change after the account is opened. In order to earn dividends at the disclosed rate for Apex Cash, or to earn cash back on point of sale transactions using your VISA Debit Card for Apex Cash Back, and be reimbursed for domestic ATM fees incurred, during each monthly qualification cycle: (a) at least one automatic clearing house (ACH) transaction must post and settle to Your Account as evidenced by Your monthly statement; and (b) at least 12 point of sale transactions using Your Visa Check Card must post and settle to Your Account as evidenced by Your monthly statement; and (c) You must consent to receive Your periodic statements electronically. Each monthly qualification cycle will begin on the first day of the calendar month for a monthly statement cycle, and end on the last day of that same calendar month's statement cycle ("monthly qualification cycle"). Individual domestic ATM fees will be reimbursed at an amount equal to the actual fees incurred during a monthly qualification cycle (subject to a total reimbursement of $25.00 during any such monthly qualification cycle), except to the extent that ATM fees of $5.00 or more will not be reimbursed unless you present a copy of the original receipt that details the specific amount of the total charge. On the last day of each cycle (subject to Your meeting the qualifying criteria during the current qualification cycle), earned dividends and reimbursements will post to Your Account, as applicable. Each member may be the primary owner of one APEX Cash Checking or one APEX Cash Back Checking Account.
Heritage Checking Account
This checking account is free with absolutely no strings attached.
- No monthly fees
- No minimum balance requirements
- No per check charges
- Free online check images
Score Youth Spend Account*
Teach your child to become a financial champion with this perfect first time spend account that is totally free where they can SCORE monthly rewards.
Each SCORE account member is eligible to receive a Spend card** that can be used to make purchases anywhere VISA® is accepted. Parents can get spending alerts through Card Management, Convenient purchases can be made with Mobile Wallet using Apply Pay®, Samsung Pay® or Google Pay™. SCORE members are encouraged to login to online banking often to keep track of spending and learn financial responsibility.
How to score monthly rewards:
- Make one deposit per month into a SCORE save, spend or give account
- Login to online banking once per month
- Enroll in eStatements
*Federally insured by NCUA. 2% deposit match reward paid on deposits made into a save, spend or give youth account up to $3 per month. 1% cash back reward made on spend card purchases up to $2 per month. Requires enrollment in eStatements, one login to online or mobile banking per month and a deposit into either a save, spend or give youth account. If qualifications are not met, rewards are not paid. Membership eligibility required.
Cash Back:
1%*
on debit card purchases
PLUS
2%**
on deposits
First Heritage Pays Dividends On Business Checking Accounts!
Business Checking Accounts
This account is packed with value and convenience!
- No monthly maintenance fees
- No per check or deposit fees
- Unlimited check writing privileges
- Monthly dividends on average daily balances of $5,000 or more
- Free starter checks plus up to $25 towards your first purchase of First Heritage checks
- Night depository service
APY: 0.10%
Educational Resources:
CHECKING ACCOUNTS
A checking account is a financial tool that offers everyday access to your funds and provides an effective way to track your budget. You will explore how to select, open, and use this type of account. Continue reading about Checking Accounts...
