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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

  HERITAGE ACCOUNT— Individual

  • $100.00 to open
  • Interest paid monthly on minimum daily balance of $1,000.00
  • The monthly service fee of $8.00 is waived if the daily balance is $500 or more or if you are a senior citizen (62 years or older).
  • Unlimited check writing
  • ATM/Debit Card
  • Internet Banking with Bill Pay

  KEYSTONE ACCOUNT— Individual

  • $100.00 to open
  • ATM/Debit Card
  • Non-interest bearing
  • No monthly service charge
  • Unlimited check writing
  • Internet Banking with Bill Pay

  PRESTIGE ACCOUNT— Individual

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

  PRESERVATION ACCOUNT— Money Market Account

  • $2,500.00 to open
  • Up to six transactions per month, $5.00 fee per excessive transaction
  • Unlimited withdrawals at the teller window
  • Interest paid monthly on minimum daily balance of $2,500
  • Tiered interest rates
  • Internet Banking

  LIBERTY ACCOUNT— Money Market Account

  • $1,000.00 to open
  • Interest paid monthly on minimum daily balance of $1,000
  • Up to six transactions per month, $5.00 fee per excessive transaction
  • Unlimited withdrawals at the teller window
  • Internet Banking

  DIRECT DEPOSIT ACCOUNT— SSA - SSI - VA Benefits only

  • $10.00 to open
  • No checks
  • No ATM/Debit Card
  • Limit one withdrawal per month, $3.00 fee for each additional withdrawal

Savings Accounts

  HEIRLOOM ACCOUNT

  • $100.00 to open
  • Allows 6 transactions per month
  • $3.00 fee for each additional transaction
  • Interest accrues daily and pays quarterly on minimum daily balance of $100.00
  • Statement mailed without images
  • ATM/Debit Card

  TRAILBLAZER ACCOUNT (17 year-olds and younger)

  • No minimum opening deposit
  • No ATM/Debit Card
  • Allows 6 transactions per month
  • $3.00 fee for each additional transaction
  • Interest accrues daily and pays quarterly on minimum daily balance of $100.00
  • Statement mailed without images
  • Unlimited withdrawals at teller window

  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