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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,  24 hour Telephone Banking, direct deposit, and statement imaging.

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
  • Free statement binder
  • ATM/Debit Card Available
  • Non-interest bearing
  • No monthly service charge

  HERITAGE ACCOUNT— Individual

  • $100.00 to open
  • Unlimited check writing
  • Free statement binder
  • First month service fee waived
  • Free 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

  LANDMARK CLUB ACCOUNT— Individual

  • $100.00 to open
  • Unlimited check writing
  • Free official checks
  • Free travelers checks
  • First month service fee waived
  • $8.00 monthly service charge
  • Free ATM/Debit Card
  • Free fax, copy, and notary service
  • Free statement binder
  • Free $10,000.00 accidental death insurance**
  • Free “club” checks
  • Interest paid monthly on minimum daily balance of $1,000.00

  LEGACY ACCOUNT— Individuals 55 years and older

  • $100.00 to open
  • Unlimited check writing
  • Free statement binder
  • First month service fee waived
  • Free “club” checks
  • Free ATM/Debit card
  • Interest paid monthly on minimum daily balance of $1,000.00
  • Direct deposit
  • $10.00 discount on safe deposit box rental for the first year
  • Free $10,000.00 accidental death insurance**

  PRESERVATION ACCOUNT— Money Market Account

  • $2,500.00 to open
  • Up to six transactions per statement cycle
  • $5.00 fee per excessive transaction
  • 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

  Combined balances over $5,000 entitles you to the waiver of a service charge on any of the  above accounts (excluding our club accounts).

  **Not a deposit, Not FDIC insured, Not insured by any federal government agency, and Not guaranteed by the Bank

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

  HOLIDAY SAVINGS ACCOUNT

  • $10.00 to open account
  • Any amount can be deposited at any time
  • Interest paid at 12 month maturity
  • Limit of two withdrawals during 12 month term
  • Checks are disbursed in November
  • Payments can be made automatically from any Heritage Community Bank checking account

  VACATION SAVINGS CLUB

  • $10.00 to open account
  • Any amount can be deposited at any time
  • Interest paid at 12 month maturity
  • Limit of two withdrawals during 12 month term
  • Checks are disbursed in June
  • Payments can be made automatically from any Heritage Community Bank checking account

  CERTIFICATES OF DEPOSIT

  Heritage Community Bank CDs offer you flexibility with terms from 15 days 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 $1,000.00 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