Statements that reconcile
Every posting carries a reference, a running balance and the counterparty — search six years of history or export a CSV in one click.
Chartered 1974 · Ithaca, New York
Banking that stillanswerson the second ring.
Heritages Trust keeps the ledger for 18,412 households across the Finger Lakes. Open a Heritage Checking account in about four minutes, then reach a banker in Ithaca whenever something needs a human.
- Routing number
- 062094719
- Service desk
- +1 (607) 800 4495
- Savings APY
- 4.12%
Heritage Checking
•••• 4417
$12,486.03
Available now · last posted 14 minutes ago
- Payroll depositFernwood Studio LLC+3,184.22
- Greenstar Food Co-opCard ending 4417−64.18
- Monthly interest creditLegacy Savings+73.49
- NYSEG autopayScheduled payment−128.40
Sample view. Your own ledger appears the moment you sign in.
- Legacy Savings4.12% APY/
- Trust Money Market4.38% APY/
- 12-month certificate4.55% APY/
- Heritage Checking0.35% APY/
- 30-yr fixed mortgage6.48% APR/
- New auto loan5.24% APR/
- Home equity line7.15% APR/
Online banking
Everything you would walk into a branch for
The same tools our tellers use, arranged so you can finish a task on a phone while standing in line somewhere else.
Transfers on your schedule
Moves between your own accounts land instantly. ACH and wires are checked by a person at our Ithaca desk before release.
A card you control
Freeze and unfreeze the debit card yourself. Authorisations stop the moment you tap the switch — no phone queue required.
Access you can audit
Sign-in history, staff actions and every balance change are written to a trail you can request at any time.
Deposit accounts
Three accounts, no fine-print surprises
Balances are insured to applicable federal limits, interest is credited on the first business day of the month, and nothing carries a monthly maintenance fee.
Heritage Checking
0.35%APY · $25 to open
Everyday account with no monthly maintenance fee, out-of-network ATM refunds up to $18 a month, and same-day internal transfers.
- No monthly fee, no minimum balance
- ATM fee refunds up to $18/month
- Overdraft grace through 11:59pm ET
Legacy Savings
4.12%APY · $100 to open
A high-yield savings account with interest credited on the first business day of each month and six free outbound transfers per cycle.
- Interest credited monthly
- Automatic round-up deposits
- Goal buckets with target dates
Trust Money Market
4.38%APY · $2,500 to open
Tiered yield for larger balances with check-writing privileges and a dedicated relationship line for balances above $100,000.
- Tiered rates above $25,000
- Check writing and debit access
- Relationship banker on balances $100k+
The ledger, in short
Small enough to know your name. Large enough to hold the note.
We have financed dairy barns, dental practices, a bookshop on Buffalo Street and roughly one in nine mortgages written in Tompkins County since 1974.
Read our history- $1.94B
- Deposits under stewardship
- 18,412
- Households and businesses banked
- 51 years
- Continuously chartered since 1974
- 1 number
- Reaches a banker, not a menu tree
Lending
Credit decided in Ithaca, not by a scorecard in another state
Applications are underwritten by the same people who service the loan. Rates below were last reviewed this week and assume autopay from a Heritages checking account.
30-year fixed mortgage
Owner-occupied, 20% down, 740+ credit. Jumbo to $1.8M.
6.48%
APR · 360 months
Home equity line
Up to 85% combined loan-to-value. No closing costs under $250k.
7.15%
variable APR · 10-year draw
Auto loan, new
Rate includes 0.25% autopay discount from a Heritages checking account.
5.24%
APR · 60 months
Personal loan
Unsecured, $2,000 to $50,000. Funds posted within one business day.
8.91%
APR · 36 months
Safeguards
Where your money sits, and who can touch it
Held at the bank, insured federally
Deposits are carried on our own balance sheet and insured to the applicable federal limits — not swept to a third-party partner.
Passwords we cannot read
Credentials are stored only as salted scrypt hashes. No member of staff, including administrators, can retrieve your password.
Outbound payments get a second pair of eyes
ACH and wire requests are queued for review by our operations desk before any money leaves the bank.
Our service desk, not a chatbot
One number reaches the Ithaca floor. If you would rather write, the same team reads the inbox.
Mon–Fri 7am–9pm ET · Sat 8am–5pm ET. Secure messages sent from online banking reach the same desk and are answered in order.
218 Cayuga Commons, Suite 400, Ithaca, NY 14850
Four minutes to open. Fifty-one years of keeping it.
Your Heritage Checking and Legacy Savings accounts are created together, with account numbers issued immediately.