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Checking Accounts

We’ve got every (checking) base covered.

Go paperless with boom Debit, or for something a little more traditional, try Choice Checking. And, our Fresh Start Checking is designed to give you one way to recover from past financial difficulty by helping you build your credit score.

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Choice Checking

For a basic account to handle monthly deposits and withdrawals, debit card transactions, bill paying and check writing (when needed), our free Choice Checking is perfect. You’ll receive a VISA® Debit Card that you can use to make purchases or bill payments wherever VISA® is accepted. There are no monthly service charges. You can also use your card at more than 50,000 surcharge-free ATMs across the country.

You will never have to worry about maintaining a minimum balance to avoid monthly service charges. Just make sure you have enough in your account to cover your purchases and withdrawals, and you are good to go. You can set up overdraft protection from savings, a money market or another checking account without incurring a fee. Call us today! Want to get your paycheck early? We offer early deposit as well!

Need more checks? Safely and securely order online, over the phone or at the branch. Learn more here.

Open a Choice Checking Account
VISA® Debit Card

Accepted everywhere VISA is accepted.

Your Heritage Grove VISA® Debit Card is free when you open a checking account with us and is perfect for purchases at thousands of retail locations, including anywhere in the world that VISA® is accepted. Even better, our cards are now 100% contactless. You can also use your card for ATM transactions at more than 50,000 surcharge-free locations across the United States.

Look for the MoneyPass or CO-OP logos on ATMs when using your card to make balance inquiries, withdraw money and in some cases even make deposits. You can find an ATM near your home, office or travel destination.

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For full control of your card, from who can use it to spending limits, check out MyCardRules™, an easy-to-use mobile app that lets you set card controls and spending and user limits and receive transaction alerts.

Heritage Grove Checking Convenience

Heritage Grove Checking accounts come with a variety of features, shown below.

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The power of convenience

You can use your Heritage Grove debit card with any of the universal mobile wallets—Google Pay, Samsung Pay, and Apple Pay. With a mobile wallet, you can load your card into your smart phone and use it to pay at participating merchants. Just download the app (or open it if it’s pre-installed) and follow the instructions to add payment cards.

Learn more about Mobile Wallets

No matter what your financial needs, Heritage Grove is here for you. Give us a call and we can walk you through becoming a member over the phone, or you can take care of the paperwork yourself online.

Your routing number is the first group of numbers on the bottom of your checks. Your checking account number is the second group of numbers.

Message and data rates may apply from your wireless carrier. Check with your carrier for specific fees and charges.


Be sure to select the “Open a Minor Account” option after clicking to open a Checking First account.

Not every employer submits and settles their payroll early. If you have questions on your payroll timing, please consult your employer's payroll department.