Checking FAQs

We offer excellent Checking products that have no required minimum deposit or monthly service fee, among other benefits. Visit our Checking page to learn more.

There are no monthly service fees for our Loyalty Rewards Checking Account.

Yes, both debit card point-of-sale and credit card purchase transactions count toward the qualifications of your Heritage High-Yield Checking or Loyalty Rewards Checking account.

Yes, we do offer overdraft protection on ATM and everyday debit card transactions. Click here for more information.

The negative balance should be paid within 30 days. If you need assistance please contact the Risk Department 602.631.3220 or 800.621.0287 ext 3220 (outside Maricopa County).

Other than an initial $5 deposit, there is no minimum balance or deposit for our consumer checking accounts. Our Business Checking has a $100 minimum daily balance.

In order to receive cash back, you have to have at least 15 debit and/or credit card purchase transactions post and settle to your account and have one incoming or outgoing ACH (automatic payment) or one Direct Deposit post and settle to your account.

There are no monthly maintenance fees for the account but there is a $2.00 fee per paper statement received. This fee is eliminated when you enroll in eStatements.

Yes you can have more than one Heritage High-Yield Checking or Loyalty Rewards Checking account, but they must be under separate account numbers.

For specific account inquiries, call Member Service at 602.631.3200 or 800.621.0287  (outside Maricopa County).