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
Prime
Advantage NOW Account
:
“CD Interest with the Flexibility
of a Checking Account”
Minimum deposit to open account is $100.00. There is
no monthly service charge to seniors (Age 50 and Over)
on the account. A monthly service charge of $8.00 will
apply to accounts, if the balance falls below $100
anytime during the statement cycle. This account includes
services such as free checks, unlimited check writing,
free cashiers checks, travelers checks, money orders,
free online banking, free online BillPay, free telephone
banking, and additional benefits. Interest will be
paid on the daily balances based on the lowest minimum
ledger balance maintained during the statement cycle.
Both interest rate and APY will be calculated using
the tier for the lowest minimum balance during the
statement cycle. No interest will be paid if the minimum
balance falls below $1,000.
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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 products, contact our Loan Officers.
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