Personal Checking & Savings Accounts
Simple, Transparent, and Local
At Heritage Bank, we make it easy to manage your money with straightforward accounts and friendly local service.
Checking Accounts Include:
- Convenient ATMs nationwide
- Online and Mobile Banking access
- No Automated Phone Systems — Ever!
Savings Accounts Include:
- Competitive Interest Rates
- Automatic Transfers for Easy Saving
- Access to Heritage Bank’s helpful Topeka team
Open a Checking or Savings Account
Brilliant Accounts
| Simple Checking | Heritage Checking | Brilliant Checking | Money Market | Heritage Savings | |
|---|---|---|---|---|---|
| Monthly Service Charge | None | $6 Waived for customers 55+ | $10.00 | $10.00 | $5.00 |
Criteria to waive Service Charge | NA | Charge waived for completing 15 debit card transactions per month and a monthly ACH deposit or withdrawal | $5,000 minimum daily balance or $10,000 average balance | $1,000 minimum daily balance or $2,500 average balance | $100 minimum or $200 average. Waived for customers under age 18 and those 55+ |
| Earns Interest | No | Yes | Yes | Yes | Yes |
| Unlimited Check Writing | Yes | Yes | Yes | Yes | N/A |
| Online Banking | Free | Free | Free | Free | Free |
| Debit Card | Free | Free | Free | Free | Free |
| Online Bill Pay | Free | Free | Free | Free | N/A |
| ATM Withdrawals | Yes | Yes | Yes | Yes | Yes |
| Additional Benefits | N/A | N/A | 2 free boxes of checks per year Free first-year rent on Safe Deposit Box | N/A | N/A |
Simple Checking
Monthly Service Charge
None
Criteria to waive
Service Charge
NA
Earns Interest
No
Unlimited Check Writing
Yes
Online Banking
Free
Debit Card
Free
Online Bill Pay
Free
ATM Withdrawals
Yes
Additional Benefits
N/A
Heritage Checking
Monthly Service Charge
$6
Waived for customers 55+
Criteria to waive
Service Charge
Charge waived for completing 15 debit card transactions per month and a monthly ACH deposit or withdrawal
Earns Interest
Yes
Unlimited Check Writing
Yes
Online Banking
Free
Debit Card
Free
Online Bill Pay
Free
ATM Withdrawals
Yes
Additional Benefits
N/A
Brilliant Checking
Monthly Service Charge
$10.00
Criteria to waive
Service Charge
$5,000 minimum daily balance or $10,000 average balance
Earns Interest
Yes
Unlimited Check Writing
Yes
Online Banking
Free
Debit Card
Free
Online Bill Pay
Free
ATM Withdrawals
Yes
Additional Benefits
2 free boxes of checks per year
Free first-year rent on Safe Deposit Box
Money Market
Monthly Service Charge
$10.00
Criteria to waive
Service Charge
$1,000 minimum daily balance or $2,500 average balance
Earns Interest
Yes
Unlimited Check Writing
Yes
Online Banking
Free
Debit Card
Free
Online Bill Pay
Free
ATM Withdrawals
Yes
Additional Benefits
N/A
Heritage Savings
Monthly Service Charge
$5.00
Criteria to waive
Service Charge
$100 minimum or $200 average. Waived for customers under age 18 and those 55+
Earns Interest
Yes
Unlimited Check Writing
N/A
Online Banking
Free
Debit Card
Free
Online Bill Pay
N/A
ATM Withdrawals
Yes
Additional Benefits
N/A
Bank Local. Bank Better.
When you bank with Heritage Bank, your money stays local — helping Topeka families, schools, and small businesses thrive.
