Heritage
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Est. 1897 · FDIC Insured

Private banking,
quietly modern.

Checking that earns. Savings at 4.85% APY. A dashboard that respects your attention. No monthly fees, no minimums, no theatrics.

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FDIC · $250k 256-bit AES SOC 2 Type II
A forest-green vault arch on warm ivory — Heritage Bank
$48B
Assets safeguarded
1.2M
Members nationwide
4.85%
APY on savings
A+
BBB rating · 12 yrs
What we offer

Everything your money needs. Nothing it doesn't.

Everyday Checking

No fees. No minimums. ATM rebates worldwide.

High-Yield Savings

4.85% APY, compounded daily. FDIC-insured to $250,000.

Wealth Concierge

A dedicated banker on your phone. 7 days a week.

Built like a vault.
Felt like a concierge.

Heritage holds member deposits at the country's most conservative custodians. Every transfer is cryptographically signed. Every login is hardware-key ready. Every banker is a fiduciary.

  • FDIC-insured to $250,000
  • Real-time fraud monitoring
  • Biometric & passkey login
  • $0 fraud liability guarantee

A bank that earns its keep.

Open an account in under three minutes. No paperwork. No branch visits.

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