Checking Accounts

We offer a variety of checking accounts and services to fit your personal finance needs.

Check out our different checking accounts and choose the right one for you. Enjoy totally free checking or a premium checking account with high-yielding rates with access to more than 30,000 surcharge-FREE ATMs.

Earn up to $100** with a new checking account!

American Heritage is offering a $100** with your new checking account! Click here to learn how to earn $100**.

 

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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.

Totally-Free Checking PLUS

  • FREE Independence Debit Card with ScoreCard® Reward Points
  • FREE OnLine Teller
  • FREE Phone Teller
  • FREE Bill Payer services
  • NO per-check charges
  • FREE six overdrafts per month from your primary Share Savings Account
  • FREE Direct Deposit
  • FREE Payroll Deduction

VIP Checking

  • FREE Independence Debit Card with ScoreCard® Reward Points
  • FREE OnLine Teller service
  • FREE Phone Teller
  • FREE Bill Payer services
  • NO per-check charges
  • FREE six overdrafts per month from your primary Share Savings Account
  • FREE Direct Deposit
  • FREE Payroll Deduction

Platinum Checking

  • FREE Independence Debit Card with ScoreCard® Reward Points
  • FREE OnLine Teller service
  • FREE Phone Teller
  • FREE Bill Payer services
  • NO per-check charges
  • FREE six overdrafts per month from your primary Share Savings Account
  • FREE Direct Deposit
  • FREE Payroll Deduction

Identity Protection

  • 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
  • FREE OnLine Teller service
  • FREE Phone Teller
  • FREE Bill Payer services
  • NO per-check charges
  • FREE six overdrafts per month from your primary Share Savings Account
  • FREE Direct Deposit
  • FREE Payroll Deduction

Legacy Club

  • Exclusive Account for our Members 60 Years and Older
  • FREE Checking Account
  • FREE Check Reorders
  • BONUS rates on loans and certificate products
  • FREE Independence Debit Card with ScoreCard® Reward Points
  • FREE OnLine Teller service
  • FREE Phone Teller
  • FREE Bill Payer services
  • NO per-check charges
  • FREE six overdrafts per month from your primary Share Savings Account
  • FREE Direct Deposit
  • FREE Payroll Deduction
  • The American Heritage Investment and Retirement Center

Cash Management Checking

  • FREE Independence Debit Card with ScoreCard® Reward Points
  • FREE OnLine Teller service
  • FREE Phone Teller
  • FREE Bill Payer services
  • NO per-check charges
  • FREE six overdrafts per month from your primary Share Savings Account
  • FREE Direct Deposit
  • FREE Payroll Deduction

Compare Checking Accounts

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Account Type APY* Dividend Rate
Totally Free Checking Plus 0.15% 0.150%
Identity Protection Checking 0.15% 0.150%
VIP Checking 0.15% 0.150%
Platinum Checking Account 0.16% 0.160%
Platinum Checking Account (Balances of $25,000 or more) 0.21% 0.210%
Cash Management Checking 0.16% 0.160%

*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. An additional $250,000 worth of insurance is provided by the Excess Share Insurance Corporation, a private insurance company, for a total coverage of $500,000 for your retirement savings.

**Offer valid for new checking accounts opened January 1, 2019 thru April 30, 2019. $100 will be deposited into your checking account 90 days after account opening date, when qualifications are met. To qualify, deposit a cumulative total of $1,500 to your new checking account via direct deposit/ACH within 90 days of account opening and make a minimum of 25 debit card transactions within 90 days of account opening. Purchases only, ATM withdrawals are not eligible. Accounts must be open and in good standing to be eligible for the reward. May not be combined with other promotions. Offer subject to change without notice. Limit (1) per household. Employees and their family, business and fiduciary accounts are not eligible. Membership eligibility required.

 

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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Checking with Confidence

Choose from our different checking accounts and choose the high-yield rate that fits your unique needs.