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 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% APY
- $500 – $2,499 .10% APY
- $2,500 – $9,999 .20% APY
- $10,000 – $49,999 .25% APY
- $50,000 and above .30% APY
- Free online banking, free bill payment, free mobile banking, free e-statements
Annual Percentage Yield (APY) noted above subject to change. Fees may reduce earnings.
Rates subject to change.
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 Heritage Student Checking
In college, every penny counts. That’s why Coastal Heritage Bank offers a no-fee checking account just for students!
Coastal Heritage Student Checking features:
- NO monthly service charge
- NO transaction fees
- NO minimum balance
- NO ATM fees
Plus, it offers: Free online banking, Free bill payment, Free mobile banking and Free e-statements.
Available to students 17-23 years of age.
Non-interest bearing account. $50 to open.
Heritage Plus Checking
A great checking account that pays you interest!
Earn 2.00% 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:
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- Free online banking, free bill payment, free mobile banking, free e-statements.
- $500 to open.
- Balances over $25,000.00 earn 0.10% APY.
- No minimum balances.
- No monthly maintenance fees.
- No per check charge.
- Free ATM/Debit card.
The Heritage Plus Checking Account is a variable rate checking account based upon qualification factors and variable balances.
2.00% Annual Percentage Yield (APY) as of November 13, 2019 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 statement cycle:
- Make at least 12 debit card transaction(s) posted per statement cycle
- Make at least one (1) direct deposit(s) or ACH transfer(s) per month
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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