Checking Accounts

Basic Checking

Looking for a simple, stress-free way to manage your money? Greenville Heritage Federal Credit Union’s Basic Checking Account is designed with credit union members in mind—no hidden fees, no surprise charges, just straightforward banking that helps you save every month. It’s the perfect fit for your everyday personal checking needs, giving you the freedom to focus on what matters most.

• With an opening deposit of just $50, you can enjoy access to all the product features listed in the Manage Your Account section below.

• Unlimited debit card transactions and check-writing privileges. 

• Instant-issue debit cards at Main and Simpsonville.

Heritage Advantage Checking

Earn 5.127% APY* on balances up to $15,000!

Upgrade your Checking. Amplify your Returns! No Monthly Maintenance Fees. No Minimum Balance Requirement. With an initial deposit of just $100, you can access all the product features listed in the Manage Your Account section below.

• Maintain e-Statements.

• Have 1 direct deposit or ACH credit transaction of $500 or more per month.

• Make 15 or more debit card transactions per month. (Automatic drafts do not count toward the 15 transactions. Qualified transactions are limited to in-person payments using your debit card at retail locations, gas pumps, restaurants, etc.)

• Use Online Banking at least once per month. If you have multiple accounts, you must log in to the home banking account of the member number that is associated with the Heritage Advantage Rewards Checking Account.

*APY is Annual Percentage Yield. 5.127%
APY effective 04/01/2025. Certain credit requirements must be met. Limit one account per member. Not available on business accounts. $100 Minimum Opening Deposit. Balances above $15,000 will earn the corresponding Money Market rate. Dividend reverts to regular checking rate if requirements are not met in a particular month. APY subject to change based on market conditions.

New Horizon Checking

Everyone deserves a fresh start—and our New Horizon Checking Account is here to help you take that first step. Specially designed for members who’ve faced past banking challenges, this account offers a safe, supportive way to rebuild your financial foundation. With tools to help you manage your money confidently and responsibly, New Horizon Checking is your gateway to a brighter financial future.

• Minimum opening deposit of $50.

• No minimum monthly balance.

• Monthly maintenance fee of $15.

• Direct deposit is required for Courtesy Pay overdraft protection.

• After a year of responsible use, members can request an upgrade to Basic Checking.

Money Market Checking

Ready to make your money work harder for you? Our tiered, high-yield Money Market Accounts offer the perfect balance of growth and security—so you don’t have to choose. As a valued Greenville Heritage Federal Credit Union member, you’ll enjoy competitive rates that increase with your deposit, giving you more earning power while keeping your funds accessible. It’s smart, stable investing made simple.

• Receive six free withdrawals per month.

• A $10 monthly fee applies if the balance falls below the $1,000 minimum requirement.

Manage Your Account. Anytime. Anywhere.

Ready to Open Your GHFCU Checking Account?

If you are already a member, you can open your checking account by logging in to Online Banking. If you prefer to open your account in person, simply visit any of our convenient branch locations. For your convenience, our Main/Downtown and Simpsonville branches are open until 5:30 p.m. on Thursday and Friday.

To open a Checking Account, you must have a Savings Account and provide the following:

• The required opening deposit.

• Two valid forms of ID (see below).

Forms of Identification

What forms of identification are acceptable?

For membership, the following is a list of acceptable identification. The ID provided must show your name, residence, and date of birth. One form of identification MUST be a government-issued photo ID like a(n):

• Unexpired State Driver’s License or State Identification Card (If your address is different from the one on your driver’s license, please bring a recent utility bill with the correct address.)

• Unexpired Commercial Driver’s License

• Military ID card

• Federal Government Employee ID Card

• Permanent Resident Card

• Passport

• Alien Registration Card, Nonresident Alien Border Crossing Card, Nonimmigrant Visa and Border Crossing Card, or Employment Authorization Card

• Matricula Consular Card

The second form of identification can be from the group above or one of the following:

• Certified Birth Certificate

• Any other form of government-issued ID

• Employer-issued photo ID and recent pay stub

• Employer Health Benefits Card

• Student ID card (school will be contacted)

• Social Security Card