Streamline Your Finances With Our Basic Checking Account

We designed our Worry-Free Checking to simplify your financial life. Perks like ID theft protection, a Visa® debit card, and no minimum balance make this basic checking account ideal for everyday banking needs. You’ll enjoy peace of mind and be able to take greater control over your finances.

Basic Checking Benefits

Our value-added checking features many perks that include:

Take greater control over your money while enjoying the many benefits this basic checking account offers. Click below to get started. 

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Additional Details for Sacramento and Placer County Locals

Heritage Community Credit Union began serving the Mather Air Force Base community in 1953. We have since expanded our presence and now operate multiple branches in several locations including Folsom, Fair Oaks, and Gold River.

You can find our CO-OP® Network ATMs throughout Sacramento including in Land Park, Tahoe Park, Natomas, and Arden Arcade. Open a basic checking account with us today for personalized service and convenient banking across the metro area.
Click below to quickly open an account online!

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Worry-Free Basic Checking Account FAQs

What identification and documents do I need to open a Worry-Free Basic Checking Account?

You must provide your social security number and a valid government-issued photo ID. Acceptable documents include a driver's license, state ID card, or passport. We will also require proof of your current address.

How long does it take to open a Worry-Free Basic Checking Account?

It takes about 15 minutes if you come prepared with the required documents. You can apply online or in one of our branches.

Other Checking Options

Discover additional checking options designed to meet your unique financial needs.

Free Kasasa Cash Checking

Unleash the power of Free Kasasa Cash Checking for rewarding returns on your everyday transactions.

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Teen Checking

Teen Checking offers a practical way for teenagers to learn about money management and build good financial habits.

Learn More 

1Registration/activation required. IDProtect service is a personal identity theft protection service available to personal checking account owner(s), their joint account owners and their eligible family members. Service is not available to a "signer" on the account who is not an account owner. Family includes: Spouse, persons qualifying as a domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household.