Checking Accounts
Check out our different checking accounts and choose the right one for you. Enjoy free† checking or a premium checking account with high-yielding rates with access to more than 30,000 surcharge-FREE ATMs.
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We offer a variety of checking accounts and services to fit your personal finance needs.

Contactless Debit Cards Are Here!

Introducing another way to pay in-store, contactless cards allow you to tap-and-go for faster and safer transactions. Click here to learn more.

Totally-Free Checking

  • Ideal if you prefer no minimum balance requirement and no monthly fee!
  • FREE Independence Debit Card with ScoreCard® Reward Points
  • A Penny A Purchase: American Heritage will donate $.01 to The Kids-N-Hope Foundation for every purchase you make using your American Heritage Debit Card
  • FREE Online Teller
  • FREE Bill Payer services
  • NO per-check charges
  • FREE overdrafts from your primary Share Savings Account
  • FREE Mobile and Direct Deposit
  • Earn dividends when you maintain a balance of $1,000 or more
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VIP Checking

  • Ideal if you want the convenience of a checking account and a competitive dividend yield
  • FREE Independence Debit Card with ScoreCard® Reward Points
  • A Penny A Purchase: American Heritage will donate $.01 to The Kids-N-Hope Foundation for every purchase you make using your American Heritage Debit Card
  • FREE Online Teller
  • FREE Bill Payer services
  • NO per-check charges
  • FREE overdrafts from your primary Share Savings Account
  • FREE Mobile and Direct Deposit
  • Avoid a $10 monthly fee when you maintain a minimum balance of $5,000 or more
Open an Account

Platinum Checking

  • Ideal if you plan to keep a higher balance and enjoy higher dividends
  • FREE Independence Debit Card with ScoreCard® Reward Points
  • A Penny A Purchase: American Heritage will donate $.01 to The Kids-N-Hope Foundation for every purchase you make using your American Heritage Debit Card
  • FREE Online Teller
  • FREE Bill Payer services
  • NO per-check charges
  • FREE overdrafts from your primary Share Savings Account
  • FREE Mobile and Direct Deposit
  • Avoid a $10 monthly fee when you maintain a minimum balance of $7,500
Open an Account

Identity Protection

  • Protect your account against fraud and identify theft for only $3 a month
  • Card Patrol with Social Security Number Monitoring™
  • Fraud Assist Toolbox
  • Identity Theft Support Service
  • MyIDMatters™
  • Payment Card Protection
  • FREE Independence Debit Card with ScoreCard® Reward Points
  • A Penny A Purchase: American Heritage will donate $.01 to The Kids-N-Hope Foundation for every purchase you make using your American Heritage Debit Card
  • FREE Online Teller
  • FREE Bill Payer services
  • NO per-check charges
  • FREE overdrafts from your primary Share Savings Account
  • FREE Mobile and Direct Deposit
Open An Account

Legacy Club

  • To be eligible, you must be an American Heritage member, age 60 or over, and enroll in Direct Deposit of a payroll, Social Security, or other recurring check
  • FREE Checking Account
  • FREE Check Reorders
  • BONUS rates on loans and certificate products
  • FREE Independence Debit Card with ScoreCard® Reward Points
  • A Penny A Purchase: American Heritage will donate $.01 to The Kids-N-Hope Foundation for every purchase you make using your American Heritage Debit Card
  • Online Teller service
  • FREE Phone Teller
  • FREE Bill Payer services
  • NO per-check charges
  • FREE overdrafts from your primary Share Savings Account
  • FREE Direct Deposit
  • FREE Payroll Deduction
  • The American Heritage Investment and Retirement Center
Open An Account

Cash Management Checking

  • FREE Independence Debit Card with ScoreCard® Reward Points
  • A Penny A Purchase: American Heritage will donate $.01 to The Kids-N-Hope Foundation for every purchase you make using your American Heritage Debit Card
  • Online Teller service
  • FREE Phone Teller
  • FREE Bill Payer services
  • NO per-check charges
  • FREE overdrafts from your primary Share Savings Account
  • FREE Direct Deposit
  • FREE Payroll Deduction
Open An Account

Learn How To Manage Your Money.

Once you've found the best checking account for you, learn how you can avoid living paycheck-to-paycheck.
Manage your Money

Compare Checking Accounts

Account Type APY* Dividend Rate
Totally Free Checking Plus 0.10% 0.100%
Identity Protection Checking 0.10% 0.100%
VIP Checking 0.10% 0.100%
Platinum Checking Account 0.11% 0.110%
Platinum Checking Account (Balances of $25,000 or more) 0.16% 0.160%
Cash Management Checking 0.11% 0.110%

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Gain financial independence with our Independence Debit Card.

Forget needing a checkbook. Take advantage of the simplicity and independence of this great debit card!
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*APY expressed as Annual Percentage Yield. Rates listed paid on $1,000 minimum balance. For additional info, see our Deposit Account Disclosure and Schedule of Fees and Charges. Accounts closed prior to the end of the month will not receive a dividend. Account minimum to earn dividends: Share and Club Accounts $100; Totally Free Checking Account $1,000; Identity Protection Checking Account $1,000; VIP Checking Account $5,000; Platinum Checking Account $7,500; Cash Management Checking Account $7,500. Your savings federally insured to at least $250,000 by the National Credit Union Administration, a U.S. Government Agency backed by the full faith and credit of the United States Government.  Fees may reduce earnings.

 †Overdraft or returned item fees may apply.