Heritage Checking Accounts
We offer a variety of checking accounts to best suit your needs.
What is a Checking Account?
A checking account is a type of bank account designed for everyday financial transactions. It allows for easy access to your funds through various methods, including checks, debit cards, ATMs, and electronic transfers. Checking accounts are primarily used for managing routine expenses such as paying bills, making purchases, and handling day-to-day financial needs. HFCU offers various types of checking accounts. Click on the buttons below to learn more about our different checking account options.
Additional Checking
An additional checking account with no minimum opening balance, no monthly maintenance fees, and no dividends. This account is designed for everyday transactions and convenient money management without balance requirements or ongoing fees. This account can be opened in addition to your Heritage High Yield or Cash Back Checking account.
| Product | Annual Percentage Yield (APY)1 | Minimum to Open Account | Dividend Rate4 |
|---|---|---|---|
| Additional Checking | 0.00% | $0.00 | 0.00 |
Need Checks?
You can order checks easily through Harland Clarke by signing into Heritage Online or clicking on the button below. Shop for check designs, customize your checks, and expedite your shipping if necessary. If you’d like additional assistance, feel free to call us at 845-561-5607.
Checking Account Disclosures
1Any Annual Percentage Yield (APY) provided in this disclosure assumes dividends will remain on deposit for at least one year for accounts with terms. Rates are effective as of 2/9/2026 and are subject to change at any time without notice. You may contact the Credit Union at (845) 561-5607 for current rate information. Fees, withdrawals, or other conditions could reduce earnings on any account. Rates may chance after account opening. Dividends are paid from current income and available earnings. All accounts are subject to the applicable terms and conditions set forth in the Membership Agreement & Disclosures, the Fee Schedule, and any agreement to which the Truth in Savings Disclosure and Membership Agreement references.
2Average daily balance per checking share. Minimum to open account is $0.00.