Member Perks


Direct Deposit

Direct deposit can essentially relieve the challenge of rushing to the credit union to deposit your paycheck. Instead, this option allows you to have your company paychecks, as well as government or pension payments, deposited directly into your Share Account or Share Draft (Checking) Account. This service is available to our members free of charge.

Payroll Deduction

This unique option allows our members to authorize any amount to be deducted from their paycheck and deposited directly into any of their accounts at Heritage South Community Credit Union. These payroll deductions may also be applied to loan payments at the members' request. Each member's employer must have the capability to work with Heritage South Community Credit Union in supplying this service.

Online and Mobile Account Access

Heritage South Community Credit Union's website gives members the opportunity to conduct most of their financial business online and contains information pertaining to all aspects of the credit union, including current rates, special promotions, and new products or services. Android and iPhone users may download the Heritage South Mobile App to access their account, transfer funds and make mobile deposits. Visit your app store and search for “Heritage South Community Credit Union” to download.

24-Hour FACTLine

This fast access audio teller allows you to inquire about and make transactions on your account at any time and from any available telephone. This service is available 24 hours a day and is free to our members.

(931) 680-1401
1-800-852-5136 option 2

Toll-Free Line

A nationwide toll free number is available to every member of Heritage South Community Credit Union. The number is 1-800-852-5136.

Online Bill Payment

Heritage South offers free online Bill Pay for all HSCCU Members who have a checking account, eStatements, and direct deposit/payroll deduction. If you do not qualify for free online Bill Pay, it only costs $2.95 per month for the service. Login to your online account and select Bill Pay to begin using this service.

Pay N Seconds

This service allows members to make loan payments via debit cards, credit cards, or electronic check. Payments can be made in person, over the phone, or online. Fees will apply for this service convenience.

Utility Payment

We accept payment for Duck River Electric Membership Cooperative bills, as long as they are not past due. Payments may be turned in at any branch office.

Automated Clearing House (ACH)

This feature allows Heritage South Community Credit Union to electronically transfer funds to and from accounts at other financial institutions.

Money Orders

These are available to members at a minimal charge for those times when a check or cash cannot be used. Check our fees page for current charges.

Prepaid VISA Gift Cards

We offer prepaid VISA Gift Cards and Travel cards. Fees and other conditions apply. Contact your local office for more information.

Notary Service

This option is available to every member of Heritage South Community Credit Union at no cost.



Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government National Credit Union Administration, a U.S. Government Agency



Membership is Limited