CHECKING ACCOUNTS
Straightforward, dependable, and built for the people who keep our community running.
Local support you can count on, every day
Useful tools, timely alerts, and real people working together to make managing your money easier.
Checking that keeps everyday spending simple.
No gimmicks or unnecessary hoops. Just practical account features that help you manage your money wherever life takes you.
No Monthly Maintenance Fees
Keep more of your money with checking that doesn’t charge monthly maintenance fees, minimum balance fees, or per-check charges.
No Minimum Balance Requirements
Use your checking account without worrying about maintaining a minimum balance just to avoid extra fees.
Visa Debit Card
Pay directly from your checking account with a Visa Debit Card you can use anywhere Visa is accepted.
Digital Banking
Check balances, view activity, transfer funds, pay bills, and manage your money wherever life takes you.
Mobile Deposit
Deposit checks from almost anywhere using your phone’s camera and the Heritage South mobile app.
Debit Card Controls
Misplaced your card? Use the mobile app to shut it off, turn it back on, or manage card access when you travel.
30,000+ surcharge-free ATMs
Access cash through a nationwide CO-OP ATM network with more than 30,000 surcharge-free locations.
Optional Overdraft Protection
Add another layer of support for eligible accounts with optional overdraft protection. Fees and restrictions may apply.
Compare checking options at a glance.
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Best for
Best for
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No Monthly Maintenance Fees
No Monthly Maintenance Fees
-
No Minimum Balance Requirements
No Minimum Balance Requirements
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Optional Overdraft Protection
Optional Overdraft Protection
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Second Chance Checking
Second Chance Checking
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Guardian Required
Guardian Required
Local Checking
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Best for
Hardworking people who want straightforward checking with useful tools, fewer fees, and local support.
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No Monthly Maintenance Fees
✔
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No Minimum Balance Requirements
✔
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Optional Overdraft Protection
✔
-
Second Chance Checking
✖
-
Guardian Required
✖
Rally Checking
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Best for
Members looking for a second-chance checking option and a path forward.
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No Monthly Maintenance Fees
✖
-
No Minimum Balance Requirements
✔
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Optional Overdraft Protection
✔*
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Second Chance Checking
✔
-
Guardian Required
✖
Teen Checking
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Best for
Teens ages 13–17 learning to manage money with support from a parent or guardian.
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No Monthly Maintenance Fees
✔
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No Minimum Balance Requirements
✔
-
Optional Overdraft Protection
✖
-
Second Chance Checking
✖
-
Guardian Required
✔
* Rally Checking may become eligible for overdraft protection after 6 months of satisfactory account activity.
A fresh start with Rally Checking
Past checking problems do not have to keep you from moving forward. Rally Checking gives eligible members access to everyday banking tools while they work toward a standard checking account. You can trust that even when others won’t help, we will.
- Includes a Visa debit card
- Designed for members with past checking account problems
- Overdraft protection may be available after six months
- May move to standard checking after one year of good account activity
- Monthly and other account fees apply
Heritage South reviews your checking account history when you apply. If standard checking is not the right fit, Rally Checking may be an option.
