Free Checking


Revolutionize Your Checking Account


Earn up to $200*, just by using your checking account

American Heritage offers a variety of checking accounts and services to meet our member’s needs. Plus, when you set up a Direct Deposit of $500 or more per month and use your debit card 25+ times in the first 3 months, you’ll earn $200!

So choose the one that’s right for you: totally-free checking or one of the premium checking accounts with high-yielding rates. All checking accounts include free member services like debit cards.

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Credit Card Offers

Want to earn more with your purchases or looking to consolidate debt? Our Cash Reward and Platinum Credit Cards offers special promotions to help you with your everyday purchases or budgeting.

Home Equity Loans & Lines of Credit

An American Heritage Home Equity Loan or line of Credit gives you an east way to get the cash you need to reach your financial goals. Whether it’s for home improvements, paying off bills, or tuition, a home equity loan can help you get there.

Mortgage Loans

Whether you’re looking for a new home, your next home, or refinance your current home, we have free pre-approvals*, real-estate services and payment options you need to finance your home!

Checking accounts that fit your lifestyle

*Offer valid as of January 1, 2020 through December 31, 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, account holder 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 at end of 90 day promotional period. 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.

**To qualify for the $150 statement credit, you must make $1,500 or more in net purchases with your American Heritage Cash Reward Mastercard Account within 90 days of Account opening. Net purchase amount is calculated by totaling all purchase transactions made within the first 90 days, less any returns, refunds, credits, disputes or adjustments applied to the Account during the same period. Purchase transactions do not include cash advances, balance transfers, finance charges, fees, convenience checks, ATM withdrawals, foreign transaction currency conversion charges or insurance charges. To receive the $150 statement credit, Account must be open and in good standing at the time the credit is posted to the Account. Statement credit will be posted within 3 business days after the net purchase threshold is met. Limit 1 statement credit of $150 per Account.