Personal Banking
Everyday banking that works as hard as you do.
No hidden fees, no waiting rooms — just accounts and tools built around how you actually spend, save, and plan.
No hidden fees, no waiting rooms — just accounts and tools built around how you actually spend, save, and plan.
Basic Credit Heritage Trust Bank single account for daily spending, direct deposit, and bill pay — with real-time balance updates and no minimum balance requirement.
Everyday Checking
$0 /month
Three ways to put money aside, depending on how soon you need it back.
High-Yield Savings
3.75% APY
Unlimited transfers back to checking, interest paid monthly.
12-Month CD
4.20% APY
Locked-in rate for a year, minimum deposit $500.
Goal Buckets
3.25% APY
Round up purchases and auto-save toward named goals.
Flat 5.5% annual rate, terms from 12 to 60 months, no prepayment penalty.