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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Checking Accounts

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

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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%

WANT TO STAY UP TO DATE?

Gain financial independence with our Independence Debit Card.

Forget needing a checkbook. Take advantage of the simplicity and independence of this great debit card!

Get Independent

*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.