Checking Accounts

We offer a variety of checking accounts and services to fit your personal finance needs.

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.

Earn up to $200*** with a new checking account!

American Heritage is offering a $200*** with your new checking account! Click here to learn how to earn $200***.

 

Totally-Free Checking

  • Ideal if you prefer no minimum balance requirement and no monthly fee!
  • FREE Independence Debit Card with ScoreCard® Reward Points
  • FREE Online Teller
  • FREE Bill Payer services
  • NO per-check charges
  • FREE six overdrafts per month from your primary Share Savings Account
  • FREE Mobile and Direct Deposit
  • Earn dividends when you maintain a balance of $1,000 or more

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
  • FREE Online Teller
  • FREE Bill Payer services
  • NO per-check charges
  • FREE six overdrafts per month 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

Platinum Checking

  • Ideal if you plan to keep a higher balance and enjoy higher dividends
  • FREE Independence Debit Card with ScoreCard® Reward Points
  • FREE Online Teller
  • FREE Bill Payer services
  • NO per-check charges
  • FREE six overdrafts per month 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

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
  • FREE Online Teller
  • FREE Bill Payer services
  • NO per-check charges
  • FREE six overdrafts per month from your primary Share Savings Account
  • FREE Mobile and Direct Deposit

Legacy Club

  • Exclusive Account for our Members 60 Years and Older
  • FREE Checking Account
  • FREE Check Reorders
  • BONUS rates on loans and certificate products
  • FREE Independence Debit Card with ScoreCard® Reward Points
  • Online Teller service
  • FREE Phone Teller
  • FREE Bill Payer services
  • NO per-check charges
  • FREE six overdrafts per month from your primary Share Savings Account
  • FREE Direct Deposit
  • FREE Payroll Deduction
  • The American Heritage Investment and Retirement Center

Cash Management Checking

  • FREE Independence Debit Card with ScoreCard® Reward Points
  • Online Teller service
  • FREE Phone Teller
  • FREE Bill Payer services
  • NO per-check charges
  • FREE six overdrafts per month from your primary Share Savings Account
  • FREE Direct Deposit
  • FREE Payroll Deduction
piggy bank

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.

Compare Checking Accounts

Pineapple Icon
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%

Gain financial independence with our Independence Debit Card.

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

Checking with Confidence

Choose from our different checking accounts and choose the high-yield rate that fits your unique needs.

*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.

** Overdraft or returned item fees may apply.

*** Offer valid as of January 1, 2020 through September 30, 2020. All offers are subject to change without prior notice. Offer valid for specified checking accounts only. Set up a direct deposit in the cumulative amount of $500.00 or more in each of the following full three statement cycles following the month of account opening and receive $50 per statement cycle for a maximum of $150 in bonus awards. Receive an additional $50 bonus when 25 or more cumulative debit card transactions are made during the first three full statement cycles following account opening.  For example, if account is opened in January 2020, accountholder must make $500 or more cumulative direct deposits of $500 in the months of February, March and April 2020, as well as at least 25 debit card purchases during those months to qualify. Bonuses will be awarded on or around the end of the third full statement cycle after account opening. Purchases only, ATM withdrawals are not eligible. Offer valid for specified checking accounts and by invitation only. American Heritage reserves the right to cancel, modify or extend this offer at any time without notice. Member must be in good standing with a minimum $15 deposit in the primary share account. Members receiving incentives may be responsible for paying taxes on the incentives. May not be combined with other promotions. Offer subject to change without notice. Limit (1) per household. Employees and their family, business and fiduciary accounts are not eligible. Overdraft or returned item fees may apply. Membership eligibility required.