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Personal Banking

Heritage Community Bank is a full service bank offering a variety of deposit accounts for all your banking needs.  Our commitment to convenience and superior customer service makes our products unmatchable.  Besides offering checking, money market, savings, CD and IRA accounts, we also provide the MasterCard® Debit Card, Internet Banking, direct deposit, and electronic statements.

At Heritage Community Bank, we are committed to making your banking experience simpler and more convenient. That's why we offer such a wide range of checking options. No matter which product or option you choose, Heritage Community Bank offers you more conveniences and services that allow you to stay in touch with your money.

Checking Accounts

  KEYSTONE ACCOUNT— Individual

  • $100.00 to open
  • ATM/Debit Card Available
  • Non-interest bearing
  • No monthly service charge

  HERITAGE ACCOUNT— Individual

  • $100.00 to open
  • Unlimited check writing
  • ATM/Debit Card
  • $8.00 monthly service charge when balance falls below $500.00 during the month
  • Interest paid monthly on minimum daily balance of $1,000.00

  PRESTIGE ACCOUNT— Individual

  • $5,000.00 to open
  • Unlimited check writing
  • ATM/Debit Card
  • Interest paid monthly on minimum daily balance of $5,000

  LIBERTY ACCOUNT— Money Market Account

  • $1,000.00 to open
  • Up to six transactions per statement cycle
  • $5.00 fee per excessive transaction
  • Unlimited withdrawals over the counter
  • Interest paid monthly on minimum daily balance of $1,000

  PRESERVATION ACCOUNT— Money Market Account

  • $2,500.00 to open
  • Up to six transactions per statement cycle
  • $5.00 fee per excessive transaction
  • Unlimited withdrawals over the counter
  • Tiered interest rates
  • Interest paid monthly on minimum daily balance of $2,500

  DIRECT DEPOSIT ACCOUNT— Individual

  • $10.00 to open
  • No checks
  • No ATM/Debit Card
  • Limit one withdrawal per month, $1.00 charge for each additional withdrawal

Savings Accounts

  HEIRLOOM ACCOUNT

  • $100.00 to open
  • Allows six withdrawals per quarter
  • $1.00 fee for each additional withdraw
  • Interest accrues daily and pays quarterly on minimum daily balance of $100.00
  • Statement mailed quarterly without images

  TRAILBLAZER ACCOUNT (17 years old and younger)

  • No minimum opening balance
  • No ATM/Debit Card
  • Allows six withdrawals per quarter
  • $1.00 fee for each additional withdrawal
  • Interest accrues daily and pays quarterly on minimum daily balance of $100.00
  • Statement mailed quarterly

  CERTIFICATES OF DEPOSIT

  Heritage Community Bank CDs offer you flexibility with terms of up to three years. 

  • Minimum of $1,000.00 to open
  • Earns interest at a rate established by the Bank

  FIXED RATE IRA ACCOUNT

  The fixed rate IRA is available for conservative investors and those who want a maximum rate of return.

  • Minimum of $100.00 to open
  • Earns interest at a rate established by the Bank
  • TDOA accounts available

P.O. Box 428, Greeneville, TN 37744    (423) 636-5000
Report lost/stolen debit card:
(800) 500-1044
Heritage Community Bank is an equal housing opportunity lender    Heritage Community Bank is a member of FDIC