Intro – The Heritage Bank Review
The Heritage Bank was recently ranked and reviewed by AdvisoryHQ as a top rated bank.
Firms on our top rated lists were selected after they successfully passed AdvisoryHQ's ground-breaking four-step banks and credit unions selection methodology.
Click here for a step-by-step breakdown of our methodology process and selection process: AdvisoryHQ’s Methodology for Selecting Top Banks and Credit Unions.
Below we have provided a detailed review of The Heritage Bank, including the specific factors we used in our decision-making process.
The Heritage Bank Review
The Heritage Bank (THB) has been serving the needs of residents and businesses in Southeast Georgia since 1911.
The Heritage Bank works to help customers achieve their financial goals through a simplified, straightforward, and effective approach to banking. The Heritage Bank is headquartered in Hinesville, but as a community bank, it has continued to grow.
Image Source: The Heritage Bank
The Heritage Bank has locations in cities and towns including Statesboro, Waycross, St. Mary’s, Midway, Jesup, and Nahunta.
Key Factors That Led to Our Ranking of This Bank as a Top Bank in the U.S.
Some of the compelling reasons The Heritage Bank was selected for AdvisoryHQ's ranking of he best banking firms are listed below.
FraudWatch Plus (The Heritage Bank Review)
Every debit card issued by The Heritage Bank is protected with FraudWatch Plus, which is a free service that delivers the highest level of security for users.
FraudWatch Plus includes a team of analysts who are constantly watching for suspicious activity on behalf of account holders.
If a red flag is spotted, customers are contacted immediately by experienced fraud analysts, who will then help the customer determine if transactions are authentic.
Mobile Banking (The Heritage Bank Review)
The Heritage Bank is a community financial center with local, personal service — but that doesn’t mean account holders have to sacrifice advanced banking technology.
The Heritage Bank offers account holders a mobile app for iPhone and Android devices. To take advantage of the smart phone app, users enroll in Internet Banking from the Heritage Bank and then set up their Mobile Banking Credentials.
Next, the app is download from the App Store, and customers are up and running with mobile banking.
There is no fee, and you can disable mobile banking at any time from internet banking in the event that your mobile device is lost or stolen.
Overdraft Protection (The Heritage Bank Review)
This leader among our list of top banking firms offers three types of overdraft protection.
These include:
Bounce Protection
This option automatically transfers funds from attached savings accounts to cover checking overdrafts. There is a $10 fee for each transfer made through Bounce Protection.
Lines of Credit
You can link credit lines to your checking account to cover overdrafts, and there is a $10 fee on each transfer, with interest charged on outstanding balances.
Overdraft Advantage Program (OAP)
In the event that you make a mistake, leading to a potential overdraft, OAP places a limit on your checking account. The limit can then be used to authorize a transaction. This is an opt-in service.
MyXPress Deposit (The Heritage Bank Review)
MyXPress Deposit is available to business banking customers of The Heritage Bank, and it’s a unique, flexible online option that lets companies deposit checks without leaving the office. With this service, business banking customers scan checks and transfer the images directly to the bank.
This becomes a digital deposit into a THB business checking account.
MyXPress Deposit is advantageous because it saves money, provides faster access to funds, and allows business owners to focus their attention elsewhere, rather than spending their time making trips to a branch of The Heritage Bank.
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