Business Accounts
  Personal Checking Accounts
  Personal Savings Accounts
  Certificate of Deposit
  Individual Retirement Accounts
  Loans

Business Accounts

Regular Business Checking Accounts:

Minimum deposit to open account is $100.00. This account features an earnings credit applied to reduce or off-set activity fees on the account.

Small Business Checking Accounts:

Minimum deposit to open account is $100.00. If a minimum daily balance of $1,000.00 is maintained in the account, there is no monthly maintenance fee. If the account balance drops below $1,000.00 any day during the monthly statement cycle, a monthly fee of $13.00 will be assessed. This account is for customers with less than 100 combined items paid and items deposited per month.

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Personal Checking Accounts

Freedom Checking Account:

Minimum deposit to open account is $100.00. If a $100.00 minimum daily balance is maintained in the account, there is no monthly maintenance fee. If the daily balance in the account falls below $100.00 there is an $8.00 monthly maintenance fee. This account includes services such as Accidental Death Insurance, a travel discount book, credit card protection, a travel magazine subscription, and interest (if a $1,000.00 daily balance is maintained).

Freedom One Checking Account:

Minimum deposit to open account is $100.00. This account includes all the benefits of Freedom 1 Checking plus increased Accidental Death Insurance, safe deposit box discounts, preferred rates on installment loans, free cashiers checks, free money orders, free travelers check, and Rx Advantage. The monthly membership fee for this account is $5.00.

Freedom Plus Checking Account:

(For depositors age 50 and over)

Minimum deposit to open account is $100.00. There is no monthly maintenance fee on the account. This account includes services such as free checks, Accidental Death Insurance, Rx Advantage, unlimited check writing, safe deposit box discounts, preferred rates on installment loans, a travel discount book, a travel magazine subscription, free cashiers checks, travelers checks, money orders, and additional benefits.

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Personal Savings Accounts

Regular Savings Account:

Minimum deposit to open account is $100.00. Interest will be paid on balances of $300.00 or more. For additional information, please call our customer representative.

Youth Savings Account:

No minimum deposit required to open account. Interest is paid on balances of $50.00 or more.

Christmas Club Account:

Minimum deposit required to open account is $5.00. Interest is paid on balances of $50.00 or more. A $5.00 fee will be assessed to accounts closed before the annual October 31st maturity.

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Certificates of Deposit

The minimum deposit required to open any of our Certificates of Deposit is $1,000.00. See our rates page for the current rates on each of our CDs.

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Individual Retirement Accounts

We offer Traditional IRAs, Roth IRAs, and Educational IRAs. Email us or call our Customer Service Representatives at (904) 272-2265 for further details.

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Loans

The following are the types of credit extended at Heritage Bank:

Consumer Loans –

  • Personal loans: secured and unsecured
  • Motor vehicles: new and used
  • Stock and Bond loans
  • RVs, Motor Homes, Travel Trailers, Camper loans
  • Boat, Motor, Trailer loans
  • Home Improvement loans: secured and unsecured
  • Mobile Home loans
  • Aircraft loans
  • Home Equity loans
  • Personal Lines of Credit
  • First and Second Mortgage loans: short term
  • Cash Value Life Insurance loans

Commercial loans-

  • Commercial Construction loans
  • Commercial Real Estate loans
  • Business Machinery, Equipment, Aircraft loans
  • Business loans for General Business Purposes
  • SBA 504 Plan loan for Commercial Real Estate and Equipment

If you would like any further information on any of our loan precuts, contact our Loan Officers.

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