Home | About Us | Locations & Hours | Contact Us


Online Banking

Access ID:

Sign up

Quick Links

bbb Seal

Temporary Liquidity Guarantee Program

Heritage Bank & Trust is participating in the FDIC’s Transaction Account Guarantee Program.

>> Click here for more information

Schedule Of Fees

Effective 5/1/09

Account Balancing Assistance
$20.00/hour; $10.00 minimum

Account Closed within 90 days
$10.00

Account Research
$20.00/hour
$2.00/copy

Automatic Teller Machines
No fee for original card
$5.00 for replacement card

ATM Fees
All foreign ATM fees will be refunded

Bond Coupon Collection
$15.00

Cashier’s Checks
Customers $3.00

Check Cashing
Non-Customers 2% fee, if drawn
On recognized company, $5.00 min.
Social Security Checks $6.00
Tax refund checks 10%

Charged Off Accounts - $25.00 per account

Check Printing
Fee depends on style and quantity of
Check order

Collection Items/Outgoing and Ingoing
$15.00 per item
Clean Collection Item = $75.00

Coin Counter Fee
$0.20 per roll/Non-Customers

Current Statement Printout
$2.00 for first page
$0.50 for each additional page

Overdraft Protection - Ready Reserve
$25.00 annually

Gift Cards (VISA) - $3.95 per card

IRA Transfer Fee - $25.00

Photocopy
$0.25 per page

Reconcile Bank Statement
$15.00 per hour
First 15 minutes, free

Replace Lost ATM or Debit Card
$5.00

Dormant Checking
$8.00 per month if no activity
Checking Accounts, one year
Money Markets & Savings, 2 years

Fax Transmissions
$5.00 for first page
$1.00 per additional page

Foreign Currency Exchange
1% of the USD equiv. $10 minimum
$20.00 Overnight Delivery

Garnishment, Executions, Levies
$50.00 each

Locater Fee
1% or $100 minimum

Locking Night Drop Bags
First Bag – No charge; Additional bag - $25.00
Key Deposit (per key) - $25.00

Money Orders
Customers $2.00

Notary Public
No charge

Overdraft Fees
The categories of transactions for which an overdraft fee may be imposed are those by any of the following check, in-person withdrawal, ATM or Debit card withdrawal, or other electronic means.
Non-sufficient funds – NSF RETURN ITEM FEE - $30.00
Non-sufficient funds – NSF PAID ITEM FEE - $30.00
Continuous Overdraft Charge after 1 day - $5.00 per day
Ready Reserve Overdraft Protection - $25.00 annually

Wire Transfer
Domestic, Incoming Wires:
Customer, $5.00
Domestic, Outgoing Wires:
Customer, $20.00
International, Incoming Wires:
Customers, $35.00
International, Outgoing Wires:
Customer, $35.00

Safe Deposit Box
Fee varies by box size
Key Deposit (per key) - $10.00
Replacement Key - $10.00
($25.00 late fee when pmt. Past due 16 days)
Drilling - $75.00

Stop Payments
$35.00 each

Returned Deposited Items
Charged back - $5.00
Recleared - $3.00
Special Handling - $2.00

Did you OPT IN?
Important!
Overdraft Changes to keep your DEBIT CARD 
working the same way after Aug. 15th.
Reg E Opt form

 Watch Dog 
Free ATMs Worldwide!  

Go Green