Heritages TrustBank
Open an account

Personal banking

An account for the life you actually have

Checking that never charges you for keeping a low month. Savings that pays 4.12%. And a service desk in Ithaca that picks up.

Open an accountCall +1 (607) 800 4495

Deposit accounts

Pick one, or open all three

Every application creates your checking and savings together. Money market can be added later from inside online banking.

0.35%

APY · $25 to open

Heritage Checking

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
4.12%

APY · $100 to open

Legacy Savings

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
4.38%

APY · $2,500 to open

Trust Money Market

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+

Inside online banking

The parts you will use every week

One balance you can trust

Pending card holds are shown separately from the posted balance, so the number you see is the number you can spend.

Freeze the card yourself

A single switch in online banking blocks new authorisations. Recurring payments you have already approved keep working when you unfreeze.

Alerts that are actually useful

Low balance, large purchase and deposit-posted notices, tuned to thresholds you choose rather than ours.

Savings goals with dates

Split Legacy Savings into buckets — closing costs, spring tuition, a new furnace — and we do the monthly arithmetic.

Deposit a cheque from the kitchen

Photograph both sides; funds are normally available the next business day, with same-day availability on the first $500.

Move money six ways

Between your own accounts, to another Heritages customer, by ACH, or by domestic wire — all from the same screen.

Fee schedule

The whole list, on one screen

No tiers to qualify for and no fees that appear after the first statement. If something here is unclear, call and ask.

Monthly maintenance
None on any deposit account
Out-of-network ATM
Refunded up to $18 per statement cycle
Incoming wire
None
Outgoing domestic wire
$22
Overdraft
$0 if cured by 11:59pm ET, otherwise $28
Paper statements
$2 per cycle, free electronically
Stop payment
$25
Replacement debit card
First one each year is free, then $7

Bring your direct deposit, keep the paperwork

We will generate the payroll form with your new account and routing numbers filled in, ready to hand to your employer.

Start an application