The Heritage Bank Base Checking Account is a regular checking account featuring all the benefits and perks as the other two Heritage Bank checking accounts, excluding Heritage BaZing benefits.
The Heritage Bank Base Checking comes with some useful digital banking tools, allowing you to manage your finances on the go, which makes this offer great for people looking for some flexibility and convenience for their banking needs. Besides, with Money Management tools, you'll be able to track your budget, set goals and alerts, and improve your financial habits, as there are many resources you can use to stay on top of your spending, and take control of your budget.
Given the possibility to have the monthly fee waived if you keep a $100 minimum monthly balance, the Heritage Bank Base Checking Account might be a good solution if you aren't necessarily interested in earning interest or enjoying additional protection, roadside assistance, shopping and entertainment discounts, savings on prescriptions, vision services, and similar perks offered with Heritage BaZing.
On the other hand, since the Heritage Bank Ascent Checking Account comes with a lower fee, and Heritage BaZing benefits, you might want to consider that checking account - but, keep in mind its monthly fee cannot be waived. Finally, the best checking account package from Heritage Bank would definitely be the Heritage Bank Summit, which is an interest-bearing checking account with all the benefits included. If you can meet the minimum balance requirements to have the $8 monthly fee waived, we'd recommend that one - even though this is not to say this checking account offer is bad, to the contrary.
Checking account details
- Monthly fee can be waived if you keep a monthly balance of at least $100.
- Debit card with Visa protection and CardValet.
- Online banking and Bill Pay.
- Mobile banking with remote deposit, and mobile payment options (Apple Pay®, Samsung Pay®, and Android Pay®).
- Free eStatements.
- Unlimited check writing.
- Nationwide surcharge-free ATM network.
- Money Management.
- Popmoney®, for person-to-person money transfers.
- Purchase Rewards.
- Overdraft coverage.
- 24-hour telephone banking (888.505.9150).
Checking account fees
Monthly Fee$7 (can be waived)
Minimum Deposit to Open$100
Out-of-Network ATM Transaction Fee$2.50
Out-of-Network ATM Withdrawal Fee$2.50
Non-Sufficient Funds Fee$34
Foreign Transaction Fee1%
Heritage Bank Base Checking Account FAQ
You can make an appointment with Heritage Bank if you'd like to learn more about their financial products and services, so they could help you decide whether any of their offers is right for you.
You can submit a request online by completing their form. You'll be asked to provide your contact information, and state a reason for your appointment.
Yes, of course, the application form for the Heritage Bank Base Checking is available via this link.
At the time of application, you will need to provide:
- A valid, government-issued ID, such as your driver's license, state ID, military ID or passport,
- Your Social Security number,
- Previous home address (if you have lived at your current home address less than two years),
- Credit or debit card or U.S. checking or savings account to fund your new account.
Note that if you're not a U.S. citizen or resident alien, you won't be able to open the account online.
You should probably ask a Heritage Bank BaZing Customer Service agent. You can contact them at 1.855.UBAZING (1.855.822.9464). You can also send them an email to firstname.lastname@example.org.
If the option is not available by any means, you can always consider other Heritage Bank checking accounts.
There's not much difference when it comes to online and mobile banking, actually. Both are the types of digital banking, allowing you to manage your bank account(s) using a device connected to the Internet.
While you can use online banking from your laptop, desktop computer, and your mobile device, mobile banking is optimized for smaller screens, such as for tablets or smartphones, and there's usually a banking app, providing even better user experience.
You can accomplish many usual banking tasks. For example, with Heritage Bank digital banking tools, you can check your balance, view and deposit checks (remote check deposits are an in-app feature), track spending, make account-to-account or person-to-person money transfers, pay bills, download free monthly statements, earn rewards on your purchases, and more!
You can sign up for Heritage Bank Online Banking by completing their online form available via this link.
Once you've submitted the form, Heritage Bank will review your application, and inform you when it's been accepted. From then, you'll be able to select a password, and use online banking at your convenience.
Money Management is a set of money management tools Heritage Bank offers to its customers to help them get better control of their finances.
These tools allow you to keep an eye on your current balance, and transaction history. By creating spending categories, you can decide how much you'd like to spend per category, and then track progress each month. Categories start green, turn yellow as you spend, and red if you overspend. Besides, you can use the Money Management tools to pay off debt, set savings goals, view trends, and plan for the future.
You can access Money Management from Heritage Bank's mobile banking app or through HeritageBankNW.com, when you log in to your account.
Heritage Bank's routing number is 325170835, and its SWIFT code HETIUS66.
Purchase Rewards is a program in online and mobile banking that gives you cash back on debit card purchases after you add the personalized offers to your account. To access it, you'll need to register for Heritage Bank Online and Mobile Banking.
You can close it or talk to a Heritage Bank Customer Service agent to see whether they can offer you a banking solution that better suits your needs.
In case you decide to close your Heritage Bank Base Checking Account within 90 days of account opening, you will be charged a $25 early account closure fee.
Remember that there's also a dormant account fee of $10/month if you don't use your account for a longer period of time. So, if you're not happy with the Heritage Bank Base Checking Account, better close it, but don't just leave it.