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For most of us, a checking account is where we put the money we rely on to get through the day, the week, the month, and beyond. When searching for the best checking accounts, most people would choose one that’s “free.”

However, it can be hard to know what exactly “free” means because each financial institution defines it differently. 

Want to learn more about the features and benefits of a truly free checking account? Here's how Heritage can help you.

Heritage Community’s Personal Checking Options

If you’re looking for Sacramento's best free checking account options, you’re in the right place! Heritage Community Credit Union offers a $25 start-up fee, a free VISA debit card, no minimum balances or maintenance fees, and access to nationwide ATMs. Now, let’s break down our top 5 checking account options including their benefits and features.

High Dividend Payouts

Our Cash Checking account lets you earn monthly high dividends! In order to qualify for the highest dividend, you’ll want to keep your minimum balance at $25,000 or higher. There’s no minimum balance needed in order to learn dividends but you can expect to earn a maximum of 2.25% APY with higher balances. 

Keep your free checking account active month to month by making at least twelve debit card purchases and logging into online or mobile banking. 

Cash Back Rewards

For a free checking account that pays you back just for using it, choose our Cash Back Checking account. There aren’t any category restrictions so you can easily swipe away whether you’re dining out, at the grocery store, or fueling up. You’ll be able to enjoy all the perks without any minimum balance requirements nor monthly maintenance fees. 

Online Shopping Refunds

We will pay you to shop online with our Kasasa Tunes Checking account! If you’re a frequent shopper at iTunes, Amazon, or Google Play you can earn up to $10 on your monthly purchases! 

You’ll also receive our Heritage Community signature perks like no minimum balance, no monthly maintenance fees, and refunds on ATM withdrawal fees from outside banks.  

Extra Security

For a low-cost monthly maintenance fee, you can get added security to your checking accounts. With our Worry-Free Checking option, you’ll have access to your ID theft-protected funds whenever needed. If your account ever reaches below $0, don’t worry, this account comes with overdraft protection at no extra fee. Online and mobile banking are brought to another level of security to ensure you’re kept safe when you’re banking with us! 

Age-Specific Accounts

At Heritage Community Credit Union, we believe good money habits start early on! Our Teen Checking Accounts are for members ages 13-17 but require a parent or guardian as a joint owner. You’ll be able to avoid any monthly maintenance fees by enrolling in eStatements, which gives you quicker access to your account balances than paper copies sent through the mail. 

Benefits of Credit Unions

Most credit unions offer the same kind of services as banks. However, unlike banks, credit unions are not-for-profit financial institutions owned by their members. This means profits earned are returned to members through reduced rates on loans, low-to-no fees, higher rates on savings accounts, and more! 

We strive to offer incredible personalized service and go above and beyond to help you achieve all your financial goals. As a member perk, you’ll have access to Money Management, our financial education and counseling service.

This service is offered through our mobile and online banking making financial budgeting and goals convenient and easy for you!
Choose One of Sacramento’s Best Free Checking Accounts Today!
There are plenty of options available when it comes to choosing a checking account—you just have to decide which option is best for you. 

The best free accounts will be in close proximity to you, offer you secure access to accounts online and via mobile, and offer no-fee ATM withdrawals.