Checking Accounts

At Heritage South Credit Union, we offer checking accounts with no monthly fees.

All of our checking accounts come with the following features:

Checking Options

Premium Rewards Checking

Our Premium Rewards Checking Account offers high interest with NO minimum balance and NO monthly maintenance fees! All you have to do is use your account.

Use these qualifying services each month to earn the special interest rate:

  • 12 Visa Debit Card Transactions (excluding ATM)
  • At least one ACH deposit or automatic payment (via ACH)
  • Sign Up for monthly eStatements and eNotices
  • Access Online Banking at least once

If you already have a checking account with us, come by one of our branches and we can switch you over today. You can start earning higher dividends on your checking account THIS month.

Here are some common questions & answers about this unique and rewarding checking account.

Totally Free Checking

Why pay for a checking account, when you can have one for free! Unlike other institutions, Heritage South really does have a FREE checking account. You get access to all of the FREE services listed above, with many other benefits like unlimited check writing, direct deposit, automatic transfers, and much more!

Second Chance Checking

Managing finances can be a tricky thing. It require skill, discipline, and experience. Many of us have made mistakes at some point in our lives. With Second Chance Checking, you have the opportunity to rebuild your credit and financial footing.

  • Deposit of $35 required to open the account
  • No minimum balance required
  • No checks issued on this account, but debit card is allowed following the first deposit into account
  • No Overdraft protection
  • Monthly service fee of $10
  • You may request to convert your account to a Totally Free Checking account if you have maintained positive account activity for 12 months and have paid all amounts owed on chexsystems.

Come get your second chance today!

Prestige Checking

If you are over 60 you will automatically qualify for our Prestige Checking account. Come in and apply for your free checking account today.

  • No minimum balance requirement
  • Instant Issued Debit Cards
  • Monthly Dividends
  • FREE Checks
  • FREE Travelers Checks
  • FREE Money Orders