What if I have more than one bank account?

Overdraft protection, including basic overdraft service with ATM and debit card coverage, is set on an account-by-account basis. This means you decide how you'd like overdrafts to be handled for each account you have. If you want overdraft protection on more than one bank account, then you must enroll each one.

Can I enroll in premium overdraft protection if I've opted in to basic overdraft service with ATM and debit card coverage?

Yes. You can opt in to basic overdraft protection and add premium overdraft services like savings and Checkline Reserve. In fact, layering your overdraft protection has a number of benefits. Not only are you more protected against balance instability and the surprise of declined transactions, but you also set the order of priority for how your overdrafts are covered. For example, you can prioritize your overdraft coverage to draw from savings first, then Checkline Reserve. Regardless of how you prioritize your protection, your basic overdraft service with ATM and debit card coverage will always be last.

What does basic overdraft coverage mean?

When we say basic overdraft coverage, we're referring to the default overdraft preferences set up when you opened your checking account. This excludes any added overdraft protection services such as savings or Checkline Reserve. When you open a checking account, you're automatically opted in for checks, other transactions made using your checking account number and automatic bill payments. This means that we may, at our discretion, authorize and pay overdrafts on these types of transactions. You can change your overdraft preferences for these types of transactions at any time. When you open a checking account, you're also required to opt in or out of basic overdraft service with ATM and debit card coverage. This enhanced service adds coverage for ATM cash withdrawals and one-time debit card transactions. We don't authorize or pay overdrafts for these types of transactions unless you opt in to this service. If we don't authorize or pay an overdraft, your transaction will be declined. You can change your overdraft preferences for these types of transactions at any time.

Where can I find my routing and account numbers?

You can find your routing number by selecting the state you opened your account. Routing numbers are often referred to as check routing numbers, ABA numbers or routing transit numbers (RTN). You can also find your routing and account numbers on checks or in Digital Banking. On checks Your routing number is listed as the first sequence of numbers at the bottom left corner of your personal checks—typically a 9-digit number. If you have a business account, the routing number will follow the 6-digit check number at the bottom of your checks. Your account number is listed as the second sequence of numbers at the bottom left corner of your personal or business checks—typically a 12-digit number. In Digital Banking Your routing and account numbers can be viewed online in Digital Banking. Select the account you want to see, then look for the details tab and select View Routing and Account Numbers.

What is overdraft protection?

Overdraft protection is an account management tool designed to help you cover a transaction when you don't have sufficient funds in your checking account. Eligible transactions may include checks, ATM withdrawals, debit card purchases, wires and electronic transfers. With overdraft protection, we'll cover a shortfall at our discretion so the transaction goes through successfully.

Credit & Financing

Financial resources to help power your business

Expand your financing options

Get the resources you need to make your business flourish. Choose from a variety of credit and financing options, including credit cards, loans, lines of credit and letters of credit.

Credit Cards

Earn rewards and cash back or transfer a balance with one of our First Heritage Crest Business Visa® cards.

Business Financing

Get the cash infusion your business needs to expand and grow or just to free up your cash flow.

Equipment Finance & Leasing

Finance essential equipment and vehicles for your business or provide financing to your customers.

Business Digital Banking

Manage your business on the go

Manage your accounts from anywhere

Send and transfer money using ACH and wires

Receive account and security alerts

Business Digital Banking

Manage your business on the go

Manage your accounts from anywhere

Business Digital Banking

Manage your business on the go

Send and transfer money using ACH and wires

Business Digital Banking

Manage your business on the go

Receive account and security alerts

Purchasing Card

Control business expenses

Simplify business purchases, reduce paperwork and monitor expenses with the First Heritage Crest Visa Purchasing Card.

Business Loans

Grow your business and community

As a preferred lender, we partner with the US Small Business Administration (SBA) to provide greater financing options for your business.

No results found

Credit & Financing

Financial resources to help power your business

Expand your financing options

Credit Cards

Business Financing

Equipment Finance & Leasing

Manage your business on the go

Manage your business on the go

Manage your business on the go

Manage your business on the go

Control business expenses

Grow your business and community

Starting a new business

Based on your answers, here's what we recommend

Free Checking

Premier Checking

Prestige Checking