Personal Banking

Helping you build the resources for the important things in life.

Checking Options

Heritage STAR Checking
Heritage CHOICE Checking

If you are looking for...

An interest-bearing account with limited check writing and incentives for your use of technology
An account with basic services including unlimited check writing, plus opportunities for reducing monthly service charge

Monthly Service Charge & Account Qualifiers

  • $50 minimum to open
  • No Service Charge
  • Qualifiers to earn interest and ATM fee refunds:
  1. Minimum of 10 debit card transactions per statement cycle
  2. At least one Direct Deposit or ACH auto debit per statement cycle
  3. Enroll and receive electronic statements
  • $50 minimum to open
  • $9 base service charge

To Avoid Service Charge

Not Applicable
No service charge with minimum average daily balance of $2,500 or more per statement cycle

Discounts on monthly service charge:
  • $2 for Direct Deposit
  • $2 Online banking enabled/used once per month
  • $3 for electronic statement

Debit card usage discount:
  • $0 with 0-10 debits per statement cycle
  • $1 with 11-20 debits per statement cycle
  • $2 with 21+ debits per statement cycle

Account Features

  • Earn competitive rate of interest when qualifiers are met
  • Foreign ATM fee refunds up to $40 per statement cycle when qualifiers are met
  • Free ATM or Debit Card with unlimited ATM / Point-of-Sale transactions
  • Free Internet Banking, Bill Pay and Mobile Banking
  • Fee of $3 for mailed paper statement
  • Fee of $0.25 per item over 10 paper checks/debits per statement cycle
  • Unlimited check writing
  • Free ATM or Debit Card with unlimited ATM / Point-of-Sale transactions
  • Free Internet Banking, Bill Pay and Mobile Banking

Savings

Certificates of Deposit (CDs)

Certificates of Deposit (CDs) offer competitive returns on FDIC-insured savings. They are a great choice if you have a time-specific savings need or if you are looking for a higher return other than traditional interest-bearing accounts. CDs offer the following:
  • Lock in your rate by investing a fixed amount for a specific period.
  • Texas Heritage Bank offers competitive interest rates. We regularly evaluate the markets we serve and set our rates competitively. In other words, we shop the market, so you don't have to.
  • CDs are automatically renewable at interest rates in effect at their maturities.
  • Simple interest is generally paid at maturity, but can be paid more often if deposited into another Texas Heritage Bank account.
  • The annual percentage yield assumes interest remains on deposit until maturity. A penalty may be imposed for early withdrawal.

Individual Retirement Accounts (IRAs)

Individual Retirement accounts (IRAs) offer competitive returns on FDIC-insured retirement savings. A Texas Heritage Bank IRA can be a great choice if you want the safety of FDIC insurance and a competitive interest rate. A Texas Heritage Bank IRA offers the following:
  • No annual fee.
  • Traditional and Roth IRAs.
  • A Traditional IRA may allow you to get a deduction now and pay taxes later when the funds are withdrawn.
  • A Roth IRA is not deductible immediately but offers tax-free earnings and withdrawals later.
  • Texas Heritage Bank offers competitive interest rates. We regularly evaluate the markets we serve and set our rates competitively. In other words, we shop the market, so you don't have to.
  • IRAs can be invested in an adjustable rate CD or a fixed rate CD.
  • IRA CDs are automatically renewable at interest rates in effect at their maturities.
  • The annual percentage yield assumes interest remains on deposit until maturity. A penalty may be imposed for early withdrawal.

Heritage Money Market Account

If you are looking for...

An interest-bearing account which offers a higher rate of interest than interest checking with limited check writing privileges.

Monthly Service Charge & Account Qualifiers...

  • $2,500 minimum to open
  • Service charge of $15 if average daily balance falls below $2,500 (accrued interest is forfeited)
  • Total of 6 checks, debits, or transfers to another account per statement cycle (only 3 of which may be a
    check or draft to a third party)

To Avoid Service Charge...

No service charge with a minimum average daily balance of $2,500 or more per statement cycle.

Account Features

  • Earn competitive rate of interest (tiered depending on account balance; all rates subject to change)
  • Free ATM or Debit Card
  • Free Internet Banking, Bill Pay and Mobile Banking

Heritage Savings Account

If you are looking for...

An interest-bearing account with no service charge and limited withdrawals

Monthly Service Charge & Account qualifiers

  • $50 minimum to open
  • No monthly service charge
  • Service charge of $1 per withdrawal in excess of 2 per calendar month

Account Features

  • Earn competitive rate of interest (all rates subject to change)
  • Free ATM card
  • Free Internet Banking, Bill Pay and Mobile Banking

Personal Loans

Texas Heritage Bank provides a wide range of loans for your personal needs:
  • Auto
  • Interim construction
  • Home mortgage
  • Land and ranch purchase
  • Home improvement
  • Lot financing
  • Home equity
Call your local banking office for details on loan applications and rates, or for a personal loan consultation with a local loan officer:

Boerne Loans (830) 249-3955
San Antonio Loans (210) 698-8100
Cross Plains Loans (254) 725-6141

National Mortgage Lending System Registry Numbers

Texas Heritage Bank: 776735

Boerne
Steven Mack: 797063
Louis Ehlinger Jr: 797066
Garrett Wilson: 1671835

Cross Plains
David Estes: 797068
Barbara Dillard: 1693352

San Antonio
Ed White: 1549600
Mark Blankinship: 1549601

Contact Us

1208 South Main Street
Boerne, Texas 78006
(830) 249-3955
(830) 249-3988 - Fax
25060 IH 10 West
San Antonio, Texas 78257
(210) 698-8100
(210) 698-8510 - Fax
101 North Main Street
Cross Plains, Texas 76443
1 (800) 926-3814 • (254) 725-6141
(254) 725-7166 - Fax