Checking Accounts
Choose a checking account that suits your needs. Enjoy free checking, online account access, mobile check deposit, and access to 30,000+ surcharge-free ATMs. Easily open your credit union checking account online.
Open A Checking Account

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
  • FREE³ overdrafts from your primary Share Savings Account
  • FREE² Mobile and Direct Deposit
  • Earn dividends when you maintain a balance of $1,000 or more
Open A Totally-Free Checking Account

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
  • FREE³ overdrafts from your primary Share Savings Account
  • FREE² Mobile and Direct Deposit
  • Avoid a $10 monthly fee when you maintain a minimum balance of $5,000 or more
Open a VIP Checking 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
  • FREE³ overdrafts from your primary Share Savings Account
  • FREE² Mobile and Direct Deposit
  • Avoid a $10 monthly fee when you maintain a minimum balance of $7,500
Open a Platinum Checking 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
  • FREE³ overdrafts from your primary Share Savings Account
  • FREE² 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
  • FREE³ 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
  • FREE³ overdrafts from your primary Share Savings Account
  • FREE Direct Deposit
  • FREE Payroll Deduction
Open an Account

Need to Order Checks?

If you are running low or need to request your first batch, its easy to order new checks.
Order Checks

Compare Checking Accounts

Account Type APY¹ 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%

WANT TO STAY UP TO DATE?

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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!
Request a Debit Card
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APY expressed as Annual Percentage Yield. Dividend rates are variable and subject to change after the account is opened. Rates listed paid on $1,000 minimum balance. 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.  For additional info, see our Truth In Savings Disclosure for Savings Accounts.

Message and Data Rates May Apply

Overdraft or returned item fees may apply.