Here at Heritage Savings & Credit Union Inc we offer 7 different accounts for people of different ages with different goals in life. Heritage Savings can offer you flexibility like larger financial institutes cant or won’t. Feel free to check out our different accounts online, or come on in and discuss which account would best fit your lifestyle with one of our representatives.

$2.00 per month

Minimum Balance to waive cheque Items $750.00.

Balance less than $750.00 – $.60 per cheque

In-Branch Withdrawals & Deposits Free

**Interact Fee – HCU-$1.00, Interac-$1.50,
Plus(US) -$3.00 Direct Payment Fee – $.60 per item

Free unlimited Direct Deposits

Bill Payments – $1.00 per bill

Stop Payments – Specific – $8.50

Stop Payments – Non Specific – $12.50

Certified Cheques – Members – $5.25

Non- Members – $9.50

Money Orders – Canadian – $3.50, US – $5.00

Bank Drafts – $4.00

1% Fee  Travellers Cheques

No Fee Night Deposit Banking

Tiered Daily Interest Paid (Regular Chequing Rate)

Overdraft or LOC available upon approval (Posted Interest Rates)

Credit Union Mastercard (Upon Approval)

Safety Deposit Box per year:

Small – $25.00     Medium – $40.00    Large – $75.00

Personnalized Cheques (Printing Cost Only)

Passbook or Monthly Statement – Free

Deposit made By Mail or Post Dated – Free

On-Line Banking

Telephone Overdraft Transfers or

Internal Overdraft Transfers – $3.00 per request

FREE

Ages 0-12

Passbook Savings Account

Free unlimited Direct Deposits

Bill Payments Free

Free Certified Cheques

Free U.S. or Canadian Money Orders

Free Bank Drafts

Free Night Deposit Banking

Tiered Daily Interest Paid (Regular Saving Rate)

$100.00 Minimum for Term Deposit

Passbook Only

Deposit made By Mail or Post Dated – Free

On-Line Banking – Free

Cards Sent For Birthdays

**No debit Card Access

$9.95

65 FREE Debits (cheques, P.O.S., pre-authorized payments,
withdrawls (excluding in branch) over 65 debit – $.60 per debit.

Free unlimited Direct Deposits

Bill Payments Free

Free Stop Payments

Free Certified Cheques

Free U.S. or Canadian Money Orders

Free Bank Drafts

No Fee Traveller’s Cheques

Free Night Deposit Banking

Tiered Daily Interest Paid (Regular Chequing Rate)

Overdraft or LOC available upon approval (Posted Interest Rates)

Credit Union Mastercard (Upon Approval)

$5.00 Discount applied on safety deposit boxes

Personnalized Cheques (Printing Cost Only)

Passbook or Monthly Statement – Free

Deposit made By Mail or Post Dated – Free

On-Line Banking

Telephone Overdraft Transfers or Internal Overdraft
Transfers – $3.00 per request

Maximizer Minus (SENIOR +60)

FREE

No Service Charges on Deposits or Withdrawls

**Interact Fee HCU – $1.00, Interac – $1.50, Plus (U.S.) -$3.00

Free unlimited Direct Deposits

Bill Payments Free

Free Stop Payments

Free Certified Cheques

Free U.S. or Canadian Money Orders

Free Bank Drafts

No Fee Traveller’s Cheques

Free Night Deposit Banking

Tiered Daily Interest Paid (Regular Chequing Rate)

Overdraft or LOC available upon approval (Posted Interest Rates)

Credit Union Mastercard (Upon Approval)

$5.00 Discount Safety Deposit Box

Free Personal Basic Cheques

Passbook or Monthly Statement – Free

Deposit made By Mail or Post Dated – Free

On-Line Banking – Free

Telephone Overdraft Transfers or

Internal Overdraft Transfers – $3.00 per request

$2.00

Minimum Balance to waive cheque Items $750.00.

Balance less than $750.00 – $.60 per cheque

In-Branch Withdrawals & Deposits Free

**Interact Fee – HCU-$1.00, Interac-$1.50,
Plus(US) -$3.00 Direct Payment Fee – $.60 per item

Free unlimited Direct Deposits

Bill Payments – $1.00 per bill

Stop Payments – Specific – $8.50

Stop Payments – Non Specific – $12.50

Certified Cheques – Members – $5.25

Non- Members – $9.50

Money Orders – Canadian – $3.50, US – $5.00

Bank Drafts – $4.00

1% Fee  Travellers Cheques

No Fee Night Deposit Banking

Tiered Daily Interest Paid (Regular Chequing Rate)

Overdraft or LOC available upon approval (Posted Interest Rates)

Credit Union Mastercard (Upon Approval)

Safety Deposit Box per year:
Small – $25.00     Medium – $40.00    Large – $75.00

Passbook or Monthly Statement – Free

Deposit made By Mail or Post Dated – Free

On-Line Banking

Telephone Overdraft Transfers or

Internal Overdraft Transfers – $3.00 per request

FREE

Age 13-no longer in school

Debits, Cheques, Withdrawals, POS

25  Free debits –  Additional Debits $.25

**Interact Fee HCU – $1.00,  Interac – $1.50,  Plus (U.S.) -$3.00

Free unlimited Direct Deposits

Bill Payments Free

Free Stop Payments

Free Certified Cheques

Free U.S. or Canadian Money Orders

Free Bank Drafts

No Fee Traveller’s Cheques

Free Night Deposit Banking

Tiered Daily Interest Paid (Regular Saving Rate)

$100.00 Minimum for Term Deposit

Overdraft Available Upon Approval with Guardian Guarantor

Student Mastercard Available (upon Approval)

N/A

20 Free Basic Cheques

Passbook or Monthly Statement – Free

Deposit made By Mail or Post Dated – Free

On-Line Banking – Free

Debit Card Access with Guardian signature

Daily Transaction Limit – $100.00 per day