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Business Checking and Savings

Business Checking

At Heritage, we understand that businesses come in all shapes and sizes, so we offer Business Checking accounts that can be custom fit for your product and service offerings. Open an account online today!

Open a Business Checking Account

Business checking solutions allow our members to manage the funds that are moving in and out of their accounts with greatest growth and flexibility.

Small Business Checking

A checking account designed for small businesses with moderate transaction volumes.

  • $50 minimum opening deposit
  • 250 free transaction items per month (see fee schedule)
  • No monthly service charge or minimum balance
  • $2 monthly paper statement fee if not enrolled in eStatements
  • Free Digital Banking
  • Free Bill Pay
  • Free eStatements
  • Business Debit Card
Premium Business Checking

A dividend bearing checking account designed for businesses with higher balances and larger transaction volumes.

  • Dividends on your account
  • $500 minimum opening deposit
  • 500 free transaction items per month (see fee schedule)
  • Minimum balance of $15,000 to avoid a $10 monthly service fee
  • Free Digital Banking
  • Free Bill Pay
  • Free eStatements
  • Business Debit Card
Business Money Market
  • Enjoy competitive interest rates as high as 3.75% APY1  on larger balances
  • Earns interest at a higher rate than a standard savings account
  • Gives you access to your funds with the ability to write checks and make withdrawals2

Money Market

Business Savings

Make your money work as hard as you. With Heritage Business Savings, you can manage and maximize earnings for growth and scalability. We offer options that let you pick the account that fits your business’ unique needs and goals.

  • Flexible savings options
  • Competitive dividend earnings
  • Federal insurance on your savings up to $250,000 by the National Credit Union Administration, a U.S. Government Agency.
  • Free Digital Banking and eStatements
  • $5 Minimum balance (your ownership in the credit union)

Connect with a Business Banker


1APY=Annual Percentage Yield. The Business Money Market Account tier dividend rate and APY as of 03/13/2023 are subject to change daily. Dividends compounded monthly. Tier minimum Average Daily Balance of $10,000.00 - $149,499.99 = 2.25% APY; $150,000.00 - $349,999.99 = 2.85% APY; $350,000.00 - $499,999.99 = 3.00% APY; $500,000.00 and up = 3.75% APY. Minimum $10,000.00 to open account. $10.00 monthly fee if $10,000 balance is not maintained. Interest will not be earned if balance drops below $10,000. Fees may reduce earnings. Contact Heritage for details. 

2Government Regulation D permits only 6 pre-authorized or electronic withdrawals, including checks from a savings or money market account per monthly cycle.

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