The perfect checking account is the one that works for you.

The perfect checking account is the one that works for you. Select the checking account that fits your lifestyle.

At HeritageWest, we offer a variety of checking options to meet the individual needs of our members. Do most of your banking online? Our Best Value Checking account is probably best for you. Want to earn interest on your checking balances? Try our Premium Value checking account. It’s true. Not all checking accounts in the market were created equally; ours were created just for you.

All of our checking accounts offer:

  • Visa® Debit Card – Make purchases that come directly out of your checking account. Use the signature debit feature, so that your transactions are always protected under Visa’s Zero Liability coverage.* Learn more about the difference between PIN debit and signature debit transactions.
  • ATM Access – Complete transactions at our ATMs, located at any of our branch locations or wherever the Co-Op Network logo is displayed on ATM machines nationwide
  • Online Banking – Complete your financial transactions on your time, with 24/7 access to your account using HeritageWest’s online tools, calculators, and more.
  • Account Protection Program - Our Account Protection Program may cover your transactions, even when there’s not enough money in your account for checks, ACH, ATM, or Debit/POS transactions to clear. A $30 fee is assessed each time you require the Account Protection Program to cover your checks, ACH, ATM and one-time debit/POS Card transactions.


Your Prime Share account

Just a $5.00 deposit into a share savings account opens HeritageWest membership. With that small deposit, you become a member of our credit union for as long as your prime share accounts remains active. Start earning quarterly dividends once you reach an average daily balance of $100.

View our Prime Share rates and fees.

Choose your checking style.

We offer a variety of checking options. Whether you want a straightforward, basic account without a lot of bells and whistles, your banking includes a lot of transactions, or you want to maximize your earnings with interest checking, HeritageWest has a checking account that works for you.

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Learn more about our checking and savings accounts.

Looking for more even information about our checking accounts? Find out more by visiting the links below.

Best Value Checking
Access Checking
Interest Plus Checking
Premium Value
Prime Share
Custom Share
Share Certificates
Money Market


Federal Reserve Regulation D restricts transfers from savings to no more than six per month. These transfers include overdraft transfers, pre-authorized ACH debits, phone transfers, online banking and Call-24 telephone banking transfers.


*Covers U.S.-issued cards only. Does not apply to ATM transactions, certain commercial card transactions, PIN or other transactions not processed by Visa. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please visit

Discover the value of membership.

As a HeritageWest member, you’ll not only have access to great rates and superior service—you’ll have a financial partner for life.