Our Services
From everyday banking to long-term financial planning, Heritage Community Bank provides the tools and expertise to help you achieve your goals.
Personal Banking
Banking solutions designed to fit your lifestyle. Manage your money with confidence and ease.
Checking Accounts
Flexible checking accounts with no hidden fees. Access your money anytime, anywhere with our feature-rich accounts.
- No minimum balance requirement
- Free debit card with instant alerts
- Unlimited transactions
- Overdraft protection available
Savings Accounts
Grow your money with competitive interest rates. Our savings accounts help you build a secure financial future.
- Competitive interest rates
- Automatic transfer options
- No monthly maintenance fees
- FDIC insured up to limits
Personal Loans
Whether for home improvements, medical expenses, or debt consolidation, our personal loans offer flexible terms and competitive rates.
- Fixed and variable rate options
- Flexible repayment terms
- Quick approval process
- No prepayment penalties
Mortgages
Make your dream home a reality. Our mortgage specialists guide you through every step with competitive rates and personalized service.
- Conventional and FHA options
- Fixed and adjustable rates
- First-time homebuyer programs
- Pre-approval in as little as 48 hours
Credit Cards
Enjoy purchasing power with rewards. Our credit cards offer cashback, travel benefits, and low introductory rates.
- Cashback on every purchase
- Low introductory APR
- No annual fee options
- Fraud protection and zero liability
Business Banking
Comprehensive financial solutions to help your business thrive. From startups to established enterprises.
Business Checking
Manage your day-to-day business finances efficiently with accounts built for high transaction volumes and operational flexibility.
- High transaction limits
- Online and mobile access
- Business debit card included
- Detailed monthly statements
Business Savings
Set aside funds for future growth and unexpected expenses. Earn competitive returns on your business reserves.
- Tiered interest rates
- Flexible deposit options
- Linked to business checking
- Sweep account capabilities
Commercial Loans
Fuel your business expansion with tailored financing. Our commercial lending team understands the local market and your unique needs.
- Equipment and vehicle financing
- Commercial real estate loans
- Lines of credit available
- Dedicated loan officers
Merchant Services
Accept payments seamlessly with our comprehensive merchant solutions. From in-store to online, we have you covered.
- Point-of-sale terminals
- Online payment gateway
- Mobile card readers
- Next-day settlement
Payroll Services
Simplify payroll processing and ensure compliance. Our payroll solutions save you time so you can focus on running your business.
- Automated payroll processing
- Tax filing and compliance
- Direct deposit for employees
- Customizable reporting
Digital Banking
Bank on your schedule with our secure digital tools. Manage your finances anytime, anywhere.
Online Banking
Access your accounts 24/7 from any browser. Check balances, transfer funds, pay bills, and manage your finances with our secure online platform. Enjoy real-time account monitoring and customizable alerts.
Mobile App
Bank on the go with our feature-rich mobile app. Deposit checks remotely, send money to friends, and manage your accounts right from your smartphone. Available for iOS and Android devices.
Bill Pay
Say goodbye to stamps and checks. Schedule one-time or recurring payments to virtually anyone. Track payment history and set up reminders so you never miss a due date.
Ready to Get Started?
Open an account or speak with one of our friendly bankers today. We are here to help you find the right financial solution.