Personal Banking Options – Heritage Trust Fund Bank 

Classic Checking Account

A popular choice for everyday banking. Enjoy unlimited cheque writing and no monthly maintenance fee when you maintain a minimum balance of $100 CAD. A $15 monthly fee applies if the balance falls below. Includes direct deposit, automated transfers, and a debit card for convenient access. Minimum opening deposit: $100 CAD.

Direct Access Account

Waive the $15 monthly fee by setting up payroll direct deposit. This account offers unlimited cheque writing, 24/7 debit card access, and no minimum balance requirement, making it ideal for individuals who prefer flexible, hassle-free banking.

55+ Advantage Account

Designed for customers aged 55 and over. No monthly maintenance fees or minimum balance required. Enjoy unlimited cheque writing, free first order of cheques, direct deposit, automatic transfers, and full debit card access.

Freedom Checking

Maintain a combined daily balance of $2,000 CAD across your Freedom Checking and linked savings accounts to avoid the $15 monthly fee. Benefits include:

  • Unlimited fee-free ATM withdrawals at participating networks

  • Free money orders and official cheques

  • Discounted loan rates on select products

  • 50% discount on safe deposit box rental

  • Free first order of cheques

Freedom NOW Checking

Includes all Freedom Checking benefits plus competitive interest earnings when maintaining a $1,000 CAD minimum. Avoid the $15 monthly fee by keeping a daily combined balance of $3,000 CAD in your linked accounts. Enjoy enhanced ATM access, free official cheques, and discounted services.

Premier Interest Checking

Perfect for clients who value higher interest returns without sacrificing convenience.

  • Minimum opening deposit: $10,000 CAD

  • Balances under $10,000 incur a $20 monthly maintenance fee

  • Enjoy unlimited cheque writing and competitive interest rates

Interest Checking (NOW Account)

Earn interest while enjoying all standard checking features.

  • Minimum opening deposit: $1,000 CAD

  • Maintain a $1,000 balance to earn interest

  • Monthly fee of $15 applies if balance drops below the threshold

  • Includes direct deposit and debit card access

Essential Checking (Lite Use)

Ideal for customers who write eight cheques or fewer monthly.

  • Minimum opening deposit: $50 CAD

  • Flat $3 monthly maintenance fee

  • $0.50 for each cheque beyond 8 per month

  • No balance requirement, debit card, direct deposit, and online transfers included

Student Checking (Ages 16–23)

Tailored for students with features that support campus life and budgeting.

  • Opening balance: $25 CAD

  • No monthly service fee

  • Free first chequebook, debit card, and online banking

  • Mobile banking and e-statements included

  • ATM access with no surcharge at HTF Bank ATMs

  • UChoose Rewards program eligibility
    Students under 18 must apply with a parent/guardian. Proof of enrollment required.

Debit Card Services

Access your money anytime with the Heritage Trust Fund Debit Card:

  • Make purchases, deposits, transfers, and withdrawals worldwide

  • View all activity on your monthly statements

  • Fraud alerts via SMS to monitor suspicious activity

  • After-hours card support available at +1 306-910-3316

Money Market Account

Grow your funds with competitive market-based interest.

  • Unlimited cheques, transfers, and withdrawals each month

  • No service charges when maintaining a daily balance of $1,000 CAD

Questions?
Our customer care team is happy to help you find the right account for your needs.

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