Heritage First Bank Rates, Fees and eBanking 2022 Update

 – Heritage First Bank –

Heritage First Bank prides itself on our experienced staff of familiar local bankers, many of whom began their banking careers right here in Rome, Georgia. Collectively, our management team has 340 years of banking experience–the majority of which consists of community banking right here in Rome.

About Heritage First Bank

Heritage First Bank opened its doors in Rome, Georgia in January 2001 as a Loan Production Office (LPO) located at 522 Shorter Ave., and converted to a full-service bank on Dec. 16, 2002, with four full-time employees.

On February 16, 2003, Heritage First opened its East Rome office at 1700 Turner McCall Blvd. During the next five years, the bank began to grow its Rome footprint.

In 2008 Heritage First opened the Armuchee office at 2950 Martha Berry Blvd., just north of Mount Berry Mall. In June 2012, the West Rome office was relocated to a newly renovated building at 2211 Shorter Ave.

Heritage First Bank is a locally owned community bank and is very proud to stand behind our slogan “Local Bank. Local Decisions.

When you come into any office of Heritage First Bank you will be talking with a banking professional who can handle your total financial needs.

There are never any long-distance phone calls to be made by you or your banker to get answers to your questions.

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“We are proud to offer a full range of deposit and loan products that are competitively priced,” says Bank President and CEO Ryan Earnest, “Whether it is a home mortgage loan, business loan or consumer loan, or a totally free checking account, we have you covered.

Additionally, the bank offers state of the art online and mobile banking systems available anytime and from anywhere.”

Contact Us

Main Office
501 Broad Street
Rome, GA 30161
706/378-5300
Armuchee Branch
2950 Martha Berry Blvd. NE
Rome, GA 30165
706/314-0560
West Rome Branch
2211 Shorter Ave. SW
Rome, GA 30165
706/378-5305

Locations & Hours

Click here to find a branch or the nearest fee-free ATM

Main Office
Physical Address
501 Broad Street
Rome, GA 30161-3096
Mailing Address
P.O. Box 5184
Rome, GA 30162-5184
Phone
(706) 378 – 5300
Fax
(706) 291 – 9084
Lobby Hours
Monday – Friday
9:00 AM – 5:00 PM
Drive-Thru Hours
Monday – Thursday
8:00 AM – 5:00 PM
Friday
8:00 AM – 6:00 PM
Saturday
9:00 AM – 1:00 PM
 

Armuchee Branch

Physical Address
2950 Martha Berry Blvd NE
Rome, GA 30165-9701
Mailing Address
P.O. Box 5184
Rome, GA 30162-5184
Phone
(706) 314 – 0560
Fax
(706) 291 – 1424
 
Lobby Hours
Monday – Friday
9:00 AM – 5:00 PM
Drive-Thru Hours
Monday – Thursday
8:00 AM – 5:00 PM
Friday
8:00 AM – 6:00 PM
West Rome Branch
Physical Address
2211 Shorter Avenue SW
Rome, GA 30165-2030
Mailing Address
P.O. Box 5184
Rome, GA 30162-5184
Phone
(706) 378 – 5305
Fax
(706) 232 – 7766
Lobby Hours
Monday – Friday
9:00 AM – 5:00 PM
Drive-Thru Hours
Monday – Thursday
8:00 AM – 5:00 PM
Friday
8:00 AM – 6:00 PM

Personal Checking

 
Account Product Name Minimum Opening Deposit Minimum Balance to Obtain Annual Percentage Yield Interest Rate Annual Percentage Yield
Heritage Interest Checking $ 100 $ 1,000 .05% .05%
Heritage Prime Checking $ 100 $ 1,000 .07% .07%

Personal Money Market

rates_mm_personal table
Account Product Name Minimum Opening Deposit Minimum Balance to Obtain Annual Percentage Yield Interest Rate Annual Percentage Yield
Heritage Personal Premium Money Market $ 1,000 $ .01    
Tier 1 $0.01 – $24,999.999     .07% .07%
Tier 2 $25,000.00 and up     .10% .10%

Personal Savings

rates_savings table
Account Product Name Minimum Opening Deposit Minimum Balance to Obtain Annual Percentage Yield Interest Rate Annual Percentage Yield
Heritage Personal Savings $ .01 $ 100 .05% .05%
Heritage Health Savings $ 25 $ 100 .05% .05%
Heritage Christmas Club $ 10 $ .00 .05% .05%

Business Checking

rates_checking_business table
Account Product Name Minimum Opening Deposit Minimum Balance to Obtain Annual Percentage Yield Interest Rate Annual Percentage Yield
Business Interest Checking $ 1,000 $ 1,000 .07% .07%
Heritage IOLTA $ 100 $ 1,000    
Tier 1 $1,000.00 – $9,999.99     .05% .05%
Tier 2 $10,000.00 – $49,999.99     .05% .05%
Tier 3 $50,000.00 and up     .07% .07%

Business Money Market

rates_mm_business table
Account Product Name Minimum Opening Deposit Minimum Balance to Obtain Annual Percentage Yield Interest Rate Annual Percentage Yield
Heritage Business Premium Money Market $ 2,500 $ .01    
Tier 1 $0.01 – $24,999.999     .05% .05%
Tier 2 $25,000.00 and up     .07% .07%

CD / IRA

For current CD/IRA rates, please contact your nearest branch.
Click here to learn more about our CD/IRA products.

Safe Deposit Boxes

Box Size Annual Fee
3 x 5 $30
5 x 5 $40
3 x 10 $45
5 x 10 $55
10 x 10 $80
33 x 17 Locker* $155
43 x 17 Locker* $175

*Lockers available only at our Main Office location

Miscellaneous Fees

Service Fee
Overdraft Fee $32
Returned Item Fee $32
Special Handling (per month) $25
Stop Payment (per item) $32
Draft / Collection (per item) $40
Returned Deposit (per item) $4
Official Check* $5
Check Copies (per item) $3
Account Research (per hour) $25
Statement Copy $5
Wire Transfers* (Incoming) $12
Wire Transfers* (Outgoing) $20
Wire Transfers* (International) Varies

*Service available only to customers

Heritage First Bank eBanking

Online & Mobile Banking

• Access your accounts through our eBranch 24/7 with your computer, tablet, or smartphone
• Get custom alerts for things like low balances and incoming deposits
• Make deposits from your smartphone with the HFB eBanking app
• Not a current user? Sign up today or download the Heritage First mobile banking app for your Apple or Android device

Online Bill Pay

• Manage and pay all of your bills in one spot with one login at no charge
• Have bills paid automatically without giving them your bank account information
• Receive automatic reminders for bill arrivals, due dates, and upcoming payments
• Pay anyone, from large companies to local individuals

Popmoney

• Pay*, anyone, with just their email, cell number, or bank account information
• Request and receive* money directly to your HFB checking or savings accounts
•Easily access Popmoney through online banking “External Transfers” or the HFB eBanking app
•*Fees may apply

eStatements

• Avoid clutter at home and keep your information safe by accessing your statements online
• Conveniently view 18 months of statements through online banking or the HFB eBanking app
Apple Pay
• Link your HFB debit card with your Apple device and pay hands-free at participating merchants
• Protect your information – debit card numbers are not shared with merchants
• Enter your HFB debit card information into your iPhone or Apple Watch and start using it today
• Contact or visit your nearest branch for full details on all eBanking products offered by Heritage First Bank
Visit Homepage – For more Information
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StudentsandScholarship Team.

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