Heritage Checking

A checking account specially designed for your golden years.

Open an account Find a branch

Heritage Checking Features

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Debit Card Included

Never worry about checks again with a complimentary debit card when you open an account.
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Online Banking

Check your balances, view your transaction history, pay bills and more — all from your computer or mobile device.
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Early Pay

Get paid up to two days early by adding a direct deposit.1
Additional features
  • Earn competitive interest rates
  • Open your account with as little as $50
  • Complimentary official checks
  • Complimentary stop payments
See Heritage Checking details
Features and Benefits
  • Earn interest on checking2
  • Enjoy unlimited check writing
  • Receive personalized checks3
  • Benefit from direct deposit and have your payroll, Social Security or other recurring income deposited straight into your checking account
  • Get a Debit Mastercard®
  • Get paid up to two days early with Early Pay1
  • No fee for online or paper statements4
  • Manage your account with Online Banking
  • Bill Pay to make monthly payments through Online Banking
  • Gain access to our online budgeting tool
  • Enjoy Mobile Banking5
  • Utilize Mobile Wallet – a fast and secure way to keep pace with your lifestyle6
  • Overdraft Protection available7
  • Complimentary official checks
  • Complimentary stop payments
Requirements
  • Must be 62 years of age or older
  • Opening deposit: $50
  • Requirements to waive monthly fee:
    • $500 minimum daily ledger balance
Fees
  • Monthly fee:
    • $8 if monthly requirements are not met
  • Monthly statements:
    • Online statements at no additional charge
      • -OR-
    • Image statements with imaged checks at no additional charge
  • Bill Pay at no additional charge with personal checking account
Open an account
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Apply online or stop into your local branch.

3 steps to your new checking account.

  1. Complete our online application.
  2. Fund your account with as little as $50.
  3. Sign up for online banking.
Get started Order checks online

Other personal checking accounts to consider

Performance Checking

Earn a high rate of interest on your checking balance.

Budget Smart Checking

Avoid overspending and stay on track.

Interest Plus Checking

The higher your balance, the more you earn.

My Way Checking

Get all the features you’d expect, and more.
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Learn

Find answers, watch videos and plan ahead with online tools.

Visit

Stop by your nearest Cadence branch to open an account and more.

Get help

Connect with one of our teammates for one-on-one assistance.

1Cadence Bank Early Pay is a courtesy service available for consumer checking account holders at the sole discretion of Cadence Bank. Cadence Bank does not guarantee the early availability of any direct deposit. See Cadence Bank Deposit Terms & Conditions for details.

2Interest is calculated based on simple interest applied to the daily collected balance. Interest is credited at statement time and is available for early withdrawal.

3Heritage Checking customers receive one box free per year of special member checks and 50% off any other check offer. Accounts that receive free checks are required to pay tax and shipping on the check order.

4In order to receive free Online Statements, you must first enroll in Online Statements.

5Carrier data charges may apply. The Cadence Mobile Banking App is available for iPhone® and Android™ devices. Visit the iTunes Store or the Android™ Market to download your app today. If you do not have an iPhone or Android device, you can access Mobile Banking by going to cadencebank.com/mobile after enrolling.

6Not available for Cadence VISA credit card, Mastercard® Business debit or credit card, or HSA customers. Only available for Mastercard® personal debit cards or credit cards issued by Cadence. Not all retailers accept mobile wallet payments. Look for the symbol or icon representing the mobile wallet app you use prior to making purchases. Additionally, the retailer must also accept Mastercard®. Availability of your mobile wallet may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply.

7See Overdraft Protection Terms and Conditions for additional details and availability.

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