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A young woman smiles as she sips from her mug in her sunny kitchen.
We offer a variety of checking accounts to meet your needs.  Whether you want an account that rewards you with cash back, one with a high dividend rate or one that is packed with money saving benefits, we have the perfect account for you!

The following features are included with every account.

Find the account that's right for you.

As a First Heritage Federal Credit Union member, you’re viewed as an individual, not just another number. We realize that everyone has different financial needs, and offer options to match.

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Joining is easy! If you live, work, worship or attend school in the three county community we serve, you’re eligible! This area is comprised of: The Steuben and Chemung counties of New York, and Tioga County of Pennsylvania, which includes Mansfield PA and Wellsboro PA.

Apply for a membership quickly and easily with our online application!
APY = Annual Percentage Yield. Rate may change after the account is opened. Fees may reduce earnings on the account.

*Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by credit union as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our credit union. "Monthly Qualification Cycle" means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. Reward Information: Rewards vary by account. Depending on what Kasasa account you open, you will receive the following rewards when you meet your account's qualifications during a Monthly Qualification Cycle: Kasasa Cash: Balances up to $10,000 receive APY* of 2.50%; and and balances over $10,000 earn .20% dividend rate on the portion of balance over $10,000, resulting in a range from .20% to 2.50% APY* depending on the account's balance. Kasasa Cash Back: 4% cash back on up to a total of $200.00 PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $8.00 cash back may be earned per Monthly Qualification Cycle. Kasasa Saver: (if linked to a Kasasa Cash or Kasasa Cash Back account): Balances up to $50,000 in your Kasasa Saver account receive an APY of .75% and balances over $50,000 earn .20% dividend rate on the portion of balance over $50,000, resulting in a range from .20% to .75% APY depending on the account's balance. ATM Fee Refunds: you will receive reimbursements up to $25 ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you are qualified. ATM receipt must be presented within sixty (60) calendar days of transaction for reimbursements of individual ATM fees of $5.00 or higher. When your Kasasa account qualifications are not met all balances in Kasasa Cash account earn .05% APY*; all balances in Kasasa Saver account earn .05% APY; cash back payments are not made, and ATM fees are not reimbursed. Rewards and ATM fee reimbursements will be credited to the appropriate Kasasa account on the last day of the current statement cycle. Automatic transfer from Kasasa Cash to Kasasa Saver occurs within one day and may cause an overdraft to your Kasasa Cash account if the account's balance is less than the transferred amount when transfer occurs. When linked to the Kasasa Saver account, the dividends earned within the linked Kasasa Cash account does not compound since it is automatically transferred to the Kasasa Saver account. Due to non-compounding, the actual dividend amount transferred from the Kasasa Cash account to the Kasasa Saver account may be less that the advertised Kasasa Cash APY*, if the advertised APY* is represented without a linked Kasasa Saver account. APY = Annual Percentage Yield. APYs accurate as of 07/01/2020. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open a Kasasa account. Monthly Direct Deposit/ACH transaction/Bill Pay, 12 debit card purchase transactions, receipt of electronic statements are a condition of these accounts. Enrollment in electronic services (e.g. online banking, electronic statements) and log-ons may be required to meet some of the account's qualifications. Limit 1 account per social security number. There are no recurring monthly maintenance charges or fees to open or close this account. A Kasasa Cash or Cash Back account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. Contact one of our credit union representatives for additional information, details, restrictions, processing limitations and enrollment instructions.
Kasasa, Kasasa Cash, Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.
**Joint ownership with parent or guardian required. **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.