Join Now

Rates

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.

an older man points to something on a phone an older woman is holding

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

Let’s talk about boom

boom Debit is a powerful, mobile, debit card-only, no-strings-attached approach to making purchases and paying bills. There are no monthly service charges or overdraft fees because you only spend the money you have available. You can even use your Heritage Grove boom Debit card with any of the universal mobile wallets, including Google Pay^™, Samsung Pay^™ and Apple Pay^™. Note that boom Debit does not allow check writing.

boom Debit

boom gives you access to:

Free Mobile Banking¹
Bill Payer
Free Online Banking
Fee-free transfers from Share -00 (Savings)
Early paycheck deposit
Full card management with MyCardRules^{^™}
Free eStatements
Access to over 50,000 surcharge-free ATMs

Getting money into your boom account is easy. Make a remote capture deposit from your smartphone*, sign up for direct deposit at our branch or at over 6,000 Shared Branch locations. You can also transfer money from your other Heritage Grove accounts.

First Checking

Savings and debit accounts are serious financial tools that can help kids and teens learn what financial responsibility means.

Our boom Debit account offers all of that and more. With no minimum balance requirement, no monthly fees and no overdraft fees, your teen can enjoy the benefits of a debit account with free mobile banking and mobile deposit.

All savings and boom Debit accounts are set up with a parent or guardian as a joint account owner². As the child of a Heritage Grove family member, they’re automatically eligible to become members.

Get started with boom

Fresh Start Checking

If you’ve had checking account and/or credit challenges in the past, our Fresh Start Checking can help you start building good account history. It only takes a $50 deposit to open the checking account and there is a $10 monthly account fee.

There is no overdraft protection or check writing available on this account. But you can get paid up to two days early with our payroll direct deposit option.

Open a Fresh Start 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.

moneypass logo

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.

a hand holds a phone with a Heritage Grove lock screen

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

1. Why is Heritage Grove moving to contactless cards?

We are switching to contactless cards because they offer a safe, fast checkout experience for members.

2. How do I know if my card is contactless?

If your current card was issued prior to January 10, 2022, it is not contactless.

3. When will I get my new contactless card?

Your new card will be mailed approximately 45 days before the end of the expiration month on your existing card. For example, if your card expires 3/2025, your new card will be mailed to you during February 2022 and will have a new expiration date. Activate and begin using the new card as soon as you receive it. Please note: If your card expires in January or February your replacement card will be sent in December 2022.

4. What if I don’t want a contactless card?

All cards are being replaced in 2022 with a contactless card, but if you prefer not to use the contactless feature you can continue to use the chip and magnetic stripe payment methods on the card.

5. Are contactless payments secure?

Yes, the security level of a payment using the contactless method is the same as a contact chip card.

6. Can contactless cards be cloned and used by a thief? Do I need a protective sleeve?

Along with the account number, a one-time security code is sent from the card to the payment terminal to identify that transaction. Since the card does not send your name, the 3-digit code on the back of the card or your billing address using the contactless interface, the thief won't have the information needed to conduct payment transactions, either in person, on the phone or online. You do not need a protective sleeve or NFC-blocking wallet.

7. Does contactless technology prevent all fraud from happening?

No. The industry continues to improve technology to protect cardholders, and criminals continue to develop new ways to commit fraud. Contactless and Contact chip cards provide an additional layer of protection when used at contactless-enabled and chip-enabled terminals.

8. Will contactless cards prevent merchant compromises?

Contactless, and chip card, technology provides an additional layer of security, and may help reduce fraud that can result from merchant system compromises, but it will not prevent a compromise from happening to a merchant.

9. Will contactless cards allow my location to be tracked?

No. Contactless card technology is not a locator system. The technology on the card is only for authentication of card data when making a purchase.

10. How does it work?

Contactless cards, or tap to pay, use NFC (near field communication) to securely complete payments at a contactless-enabled merchant terminal, which will have the Contactless Symbol on it.

Hold the card within 1 – 2 inches of the Contactless Symbol on the terminal or directly on the Contactless Symbol until the transaction is complete (1 – 2 seconds).

The terminals read the card the best when it is placed flat over the Contactless Symbol. Tapping the edge or corner of the card to the terminal may not be as effective.

11. Will the card work outside of the United States?

Yes, there are millions of merchant locations around the world that accept contactless payments. Please note that you must notify the credit union prior to travel to ensure your card is not blocked for foreign transactions.

12. Is a PIN required for contactless transactions?

It is possible that a merchant location may require a PIN, but normally this is not the case.

13. Can the Contactless feature be used for online purchases?

No, it is only available for in-person transactions at merchant locations with contactless-enabled terminals.

Ordering Checks

For Choice Checking account holders we offer checks through Checks for Less. Check (re)orders are $18 for standard check orders. Note that boom Debit and Fresh Start Checking accounts do not allow check writing.

Orders placed online will use the information currently printed on your checks. If your name or address has changed since your last order, call 503-588-0211 or 1-877-695-8321 to place your order.

If you go online and are unable to place your check order, it may be for one of the following reasons:

You have a name or address change.
It is a new check order or you have not ordered from Checks For Less before.
You do not know your starting check number.

If you are unable to place your check order due to one of the above reasons, call 503-588-0211 or 1-877-695-8321.

Order checks now

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.

Equal Housing Lender Federally insured by NCUA

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

Designed and maintained by Raoust

631 Winter Street NE, Salem, OR 97301
503-588-0211 or 1-877-695-8321
Routing number: 323276391

Designed and maintained by Raoust

Open a Heritage Grove Account

Are You a Member?

Follow the link below to apply. You will be asked to enter your online banking login credentials to have your information preloaded.

Start the application process

Or get status of existing loan application

Not a Member Yet?

It's easy to become a member and begin to take advantage of our wonderful products and services and other member benefits.

Join and Apply Now

If you are currently not signed up for Online Banking, please call 503-588-0211 or 877-695-8321 (toll-free) or email us at creditunion@OurGroveCU.com.