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Checking Accounts

Whether you are looking for high interest, 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.

Free checking account options designed to give you the flexibility to manage your money how you want!

All of our checking accounts include:

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No monthly fees
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No minimum balance requirements
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Free Checks for members 55 and older
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No check or deposit fees
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Free Online Check images



























CHOOSE YOUR REWARDS:

YOUR CHOICE BETWEEN CASH BACK OR HIGH INTEREST!

APEX Cash 

Free checking where you enjoy high interest earnings 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:

  • At least 1 direct deposit, ACH transaction or bill payment
  • At least 12 debit card purchases
  • Be enrolled in and agree to receive e-statements
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APY:

UP TO
3.00%*

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% 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:

  • 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 e-statements
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Cash Back 

3%*







*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.

CHOOSE YOUR REWARDS:


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% 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:

  • At least 1 direct deposit, ACH transaction or bill payment
  • At least 12 debit card transactions must post and settle
  • Be enrolled in an agree to receive e-statements
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Cash Back

3%*















*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 totally free with absolutely no strings attached.

  • No monthly fees
  • No minimum balance requirements
  • No per check charges
  • Free online check images
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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
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Cash Back:

1%*

on debit card purchases
PLUS

2%**

on deposits 















Unlike Many Financial Institutions, 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
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APY:

UP TO

0.10%











































Educational Resources:


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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...





Hear it from our members:



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"They have an account where you can earn free money and has some of the best interest rates I've seen."

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"First Heritage staff is always looking out for my best interest, recommending certain checking accounts."