Heritage Trust Federal Credit Union

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Heritage Trust offers three main checking accounts:

	Back to Basics
	Vintage Checking
	Bonus Checking
	Reorder Checks
	Policy

In addition, we will offer limited purpose accounts, or “special” accounts, such as the Estate, Partnership, and Employee checking accounts.

The Advantage, Classic, Platinum, Golden and Student checking accounts will not be available as new accounts. Any existing accounts under these programs will be grandfathered and their current terms will continue to be honored. Qualified members with any such account may switch to any of the new checking accounts offered.

For more information about checking accounts, visit one of our eleven branch locations or call our Contact Center at (843) 832-2600 or (800) 845-5550 to speak with a representative.

Back to Basics (free checking account)

	$25 minimum deposit to open and order checks		Free debit card
	$50 minimum deposit to open and receive temporary checks		Free HTFCU ATM transactions
	No minimum balance		Foreign ATM transactions are $1.50 each
	No monthly service charge		Free domestic POS and debit transactions
	No per check fee		Free Online Banking
	Fee for ODP from HTFCU accounts or LOCs		Free VoiceLine
	Free Bill Payment

Vintage Checking (over age 50)

	Members age 50 and older		Discount on movie tickets
	$25 minimum deposit to open and order checks		$50 minimum deposit to open and receive temporary checks
	One free box of Exclusive checks per year		Free debit card
	No minimum balance		Free HTFCU ATM transactions
	No monthly service charge		Free foreign ATM transactions
	0.25% discount on consumer loan rates		Free Online Banking
	No per check fee		Free domestic POS and debit transactions
	Free online bill payment		Free VoiceLine
	Free Traveler's Checks		Free statement copies
	Free check copies		Premium of 0.10% on certificates
	Fee charged for ODP transactions from HTFCU accounts or LOCS		Dividends paid on tiered rates if a monthly balance of $500 is maintained

Bonus Checking (premium checking account)

	Premium of 0.10% on certificates		Automatic $1,000 LOC if qualified
	$25 minimum deposit to open and order checks		$50 minimum deposit to open and receive temporary checks
	One free box of Exclusive checks per year		Free debit card
	$20,000 minimum balance on deposit and/or lin loan balances		Free HTFCU ATM transactions
	$500 required direct deposit of at least $500		Free foreign ATM transactions
	No monthly service chare if minimum balance is met, otherwise a monthly fee of $7 will be charged		Free Online Banking
	No per check fee		Free domestic POS and debit transactions
	Free online bill payment		Free VoiceLine
	Free Traveler's Checks		Free statement copies
	Free check copies		Premium of 0.10% on certificates
	Fee charged for ODP transactions from HTFCU accounts or LOCS		Dividends paid on balance in checking account
	Discount of 0.25% on consumer loan rates		Discount on movie tickets

Policy

Checking accounts are available to those members who are at least 18 years of age. Members below age 18 can have a checking account only as a joint owner with an adult. No membership fee is necessary except in cases of new membership. Checking accounts can be owned individually or jointly. Overdraft protection is available for qualified members through lines of credit, share transfers or courtesy pay programs.

REGULATION D: Transfers from your savings to another account by telephone or automatic transfers are limited to a total of 6 per month. This includes VoiceLine, Online banking, Hertiage Call Center, ACH, pre-authorized drafts and overdraft protection.

FEES SUBJECT TO CHANGE

Your savings federally insured to at least $100,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.