Personal Deposit Accounts

Heritage Checking

• Must be 55+ to open
• $250 minimum to open
• Interest-bearing
• Under $500 average balance incurs $6.00 monthly fee. $6.00 fee will be waived if recurring, monthly check (i.e. social security, pension, etc.) is automatically deposited by direct deposit
• Free Internet Banking and Bill Pay access
• A lifetime of free Bay Community Bank checks (Topaz, wallet-style only)
• No penalty certificate withdrawal (one per year) for health related reasons (see branch for details)
• No annual fee Visa Gold Card
  (*subject to credit approval)
• $10 annual discount on safe deposit box rental
• Easy image checks
• Visa Check Card available