Coastal Heritage Bank offers a comprehensive selection of personal checking accounts, each tailored to meet your specific priorities and needs. If you are looking for a simple account, you can open one of our free checking accounts. If you want to make your money grow, while still getting the advantages of a checking account, consider our high interest checking.
We offer free online banking, free bill payment, free mobile banking and free e-statements with all of our accounts. This gives you the convenience of monitoring your transactions and balances, easily pay bills and analyze your spending. If you want to talk to us in person, you’ll get friendly, personal service.
Coastal Checking
No monthly service charge, transaction fees, nor minimum balance. Non-interest bearing account. $50 to open.
- Free online banking, free bill payment, free mobile banking, free e-statements
Coastal Select Checking
A checking account where your balance earns you interest and you have foreign ATM access! No monthly service charge or transaction fees. $50 to open.
- First five (5) foreign ATM fees waived. (other banks may charge to use their ATMs)
- Tiered interest based on account balance:
- $0 – $499 .00%
- $500 – $2,499 .10%
- $2,500 – $9,999 .20%
- $10,000 – $49,999 .25%
- $50,000 and above .30%
- Free online banking, free bill payment, free mobile banking, free e-statements
Rates subject to change.
Student Checking
No monthly service charge, transaction fees, nor minimum balance. Non-interest bearing account. $50 to open.
- Free online banking, free bill payment, free mobile banking, free e-statements
Heritage Plus Checking
Free online banking, free bill payment, free mobile banking, free e-statements
A great interest checking account that pays you interest on balances up to $25,000.00!
Earn 1.15% APY on balances up to $25,000.00* and have unlimited ATM access if the following requirements are met:
- One Direct Deposit (ACH transfer) into the account per month and,
- 12 debit card (non-PIN) transactions per month
Other features include:
- $500 to open an interest checking account
- Balances over $25,000.00 earn 0.10% APY.
- No minimum balances
- No monthly maintenance fees
- No per check charge
- Free ATM card
- Free Online Checking Account
- You’ll receive an easy to understand monthly statement.
The Heritage Plus Checking Account is a variable rate checking account based upon qualification factors and variable balances.
1.15% Annual Percentage Yield (APY) as of January 3, 2017 is paid on balances up to $25,000.00, and 0.10% APY paid on amounts above $25,000.00 per statement cycle if the requirements are met. If you do not meet the requirements per statement cycle, you will receive a rate of 0.10% APY on entire balance.
To qualify for high-interest checking rates, you must meet the following requirements during the Qualification Cycle:
- Make at least 12 debit card transaction(s) posted per “qualification cycle”
- Make at least one (1) direct deposit(s) or ACH transfer(s) per month
The Qualification Cycle is the period from the opening date of your statement through the closing date of your monthly statement. The Qualification Cycle requirements become active on the first day of your enrollment in a high yield checking account. If you have met your eligibility requirements for the statement cycle, we will refund all foreign ATM fees for that statement cycle. If the monthly requirements are not met, we will not pay less than the minimum rate on your account.
Fees may reduce the earnings on the account. Rates may change at any time without prior notice.
Available for personal accounts only. One account per person.
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