Free Checking


Free Checking...That's Revolutionary


Earn up to $100*, just by using your checking account

American Heritage offers a variety of checking accounts and services to meet our member’s needs. Plus, when you set up a Direct Deposit of $500 or more per month and use your debit card 25+ times in the first 3 months, you’ll earn $100!

So choose the one that’s right for you: totally-free checking or one of the premium checking accounts with high-yielding rates. All checking accounts include free member services like debit cards.

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Cash Reward

With an American Heritage Cash Reward Mastercard, you can earn up to 3% cash back on your vacation expenses. Plus, new cardholders are eligible for $150 in statement credit when you spend $1,500 in the first 90 days!**

Home Equity Loans & Lines of Credit

An American Heritage Home Equity Loan or line of Credit gives you an east way to get the cash you need to reach your financial goals. Whether it’s for home improvements, paying off bills, or tuition, a home equity loan can help you get there.

Mortgage Loans

Whether you’re looking for a new home, your next home, or refinance your current home, we have free pre-approvals*, real-estate services and payment options you need to finance your home!

Checking accounts that fit your lifestyle

*Offer valid as of 05/01/19. All offers are subject to change without prior notice. Offer valid for new checking accounts that are opened between May 1, 2019 through July 31, 2019. If you set up a direct deposit to your account in the cumulative amount of $500.00 or more in each of the following full three statement cycles, you will receive $25 per statement cycle for a maximum of $75 in bonus awards.  Receive an additional $25 bonus if you make 25 or more cumulative debit card transactions during the following full three statement cycles.  Purchases only, ATM withdrawals are not eligible. American Heritage reserves the right to cancel, modify or extend this offer at any time without notice. Member must be in good standing with a minimum $15 deposit in the primary share account. Members receiving incentives may be responsible for paying taxes on the incentives.  May not be combined with other promotions. Offer subject to change without notice. Limit (1) per household. Employees and their family, business and fiduciary accounts are not eligible.  Overdraft or returned item fees may apply. Membership eligibility required.

**To qualify for the $150 statement credit, you must make $1,500 or more in net purchases with your American Heritage Cash Reward Mastercard Account within 90 days of Account opening. Net purchase amount is calculated by totaling all purchase transactions made within the first 90 days, less any returns, refunds, credits, disputes or adjustments applied to the Account during the same period. Purchase transactions do not include cash advances, balance transfers, finance charges, fees, convenience checks, ATM withdrawals, foreign transaction currency conversion charges or insurance charges. To receive the $150 statement credit, Account must be open and in good standing at the time the credit is posted to the Account. Statement credit will be posted within 3 business days after the net purchase threshold is met. Limit 1 statement credit of $150 per Account.