Deposits held at Heritages Trust Bank are insured to the applicable federal limits, calculated per depositor, per insured bank, for each ownership category. Balances held in more than one ownership category may be separately insured.

Deposits are carried on the bank’s own balance sheet. We do not sweep customer balances to unaffiliated partner institutions, and no insurance coverage depends on a third party’s records.

Annual percentage yields shown on this site are accurate as of the most recent review and assume interest remains on deposit for a full year. Fees may reduce earnings. Rates on savings and money market accounts are variable and may change at any time after the account is opened.

Lending rates are illustrative, assume autopay from a Heritages Trust Bank checking account, and depend on credit history, term, occupancy and loan-to-value. Nothing on this site is a commitment to lend or an offer of credit.

We collect the information needed to open and service your accounts, to verify your identity as required by federal law, and to protect you against fraud. We do not sell customer information.

Information is shared with service providers only to the extent required to process a transaction you have authorised, or where disclosure is required by law or lawful request.

Passwords are stored exclusively as salted scrypt hashes and cannot be retrieved or displayed by any member of staff, including administrators. A staff password reset issues a new temporary credential; it never reveals an existing one.

By using online banking you consent to receive account disclosures, statements and notices electronically. Paper copies are available on request and may carry the fee shown in our schedule.

Transfers between your own Heritages Trust Bank accounts post immediately. Transfers to another customer, ACH payments and wire requests are reviewed by our operations desk before release and may be declined or held where funds, identity or authorisation cannot be verified.

You are responsible for keeping your credentials confidential and for notifying us promptly at +1 (607) 800 4495 if you believe your credentials or a card have been compromised. Sign-in activity and every administrative action taken on your account are written to an audit record.

Review each statement promptly. If you believe a posting is wrong or was not authorised, contact us within sixty days of the statement on which it appeared. We will acknowledge the claim, investigate, and tell you the outcome in writing.

Provide your name, the account number, the amount and date of the posting in question, and why you believe it is in error. Provisional credit may be issued while an investigation is open where required by applicable regulation.

We make credit available without regard to race, colour, religion, national origin, sex, marital status, age, receipt of public assistance, or the exercise of any right under the Consumer Credit Protection Act.

This site is built to be operable by keyboard and with assistive technology. If any part of it prevents you from completing a task, call +1 (607) 800 4495 and a banker will complete it with you.