Checking Accounts at Heritage South

At Heritage South, We Help When Others Won't‚Ą†. That's why we offer a checking account without all the hassles that many financial institutions place on their accounts. We believe you shouldn't have to jump through hoops or be charged fees just to use your own money. There are no monthly maintenance fees, minimum balance requirements, or per-check charges with our regular Share Draft Checking Account, period. This checking account includes:

  • No monthly¬†maintenance fees

  • No minimum balance requirements

  • Mobile Banking with free Mobile Deposit

  • A network of over 30,000 surcharge free ATMs nationwide

  • Visa Debit Card

  • Interest bearing on balances over $1,000

  • Monthly Statements

  • Optional overdraft protection*

Teen Checking Accounts

It's never too early to teach your teen to save and spend wisely! A Teen Checking Account at Heritage South is a great way to help your teen begin to manage their money for daily expenses. Teen Checking Accounts are available to teens aged 13-17 and require a parent or guardian joint on the account with the teen. They have many of the same features as our regular checking accounts, including no monthly maintenance fees or minimum balance. They are also eligible for a debit card with card controls through the Heritage South app to turn off a lost or stolen debit card. Teen Checking Accounts, however, do not qualify for overdraft protection.

To open a Teen Checking Account, visit any Heritage South branch, call us at 931-680-1400, or open an account online through the Heritage South App.

Who can join Heritage South Community Credit Union?

Membership at Heritage South Community Credit Union is required before you can open a checking account. Our membership is open to anyone who lives, works, worships, or attends school in Bedford, Marshall, Rutherford, Cannon, or Maury counties or the cities of Tullahoma, Manchester, Winchester, Decherd, or Fayetteville. Don't let the word "membership" scare you - all it takes to join is a $1 one-time membership fee and a $5 initial deposit in a savings account. The only requirement to retain your membership is to keep at least $5 in your share account at all times. If you are interested in joining Heritage South and opening a checking account, give us a call, drop by one of our locations, or open your membership online!

Second Chance Checking Accounts

Don't lose hope if you have struggled to manage a checking account in the past! Our Rally Checking Account is your second chance for a successful financial future.

Heritage South Community Credit Union utilizes ChexSystems, a national reporting agency, to assist in approving all checking account applications. Your ChexSystems report contains information about your history with deposit accounts, including checking and savings accounts, and why your past accounts have been closed. Based on what we find in your banking history, you may be eligible for our Rally Checking Account. This second-chance checking account allows you to have a debit card. With satisfactory activity, you may qualify for optional overdraft protection after six months or be eligible to convert to a regular account after one year. Fees apply to our Rally Checking Accounts, so speak to us to learn more about these special accounts.


Must be eligible for membership and open a share savings account to join HSCCU, open any account, or obtain any service. A $5 minimum balance is required to open a share savings account and must be maintained in the account at all times. Fees and other restrictions may also apply.

*Overdraft protection is an optional service that you may choose to add to your account. Must be 18 years of age or over to receive overdraft protection. Fees apply to this service. Check our fee schedule for current fees.