The Basic Current Account from Heritage Credit Union is designed for individuals who want the flexibility and convenience of an online checking account without the complexities or high fees of traditional banking. Whether you're managing day-to-day expenses, receiving your paycheck, or paying bills online, this account gives you the freedom to bank your way — anytime, anywhere.

Our online-first approach ensures that your money is always accessible, secure, and easy to manage. With modern digital tools, no unnecessary branch visits, and transparent terms, the Basic Current Account is ideal for customers across the USA and Canada seeking a dependable online current account for personal use.

We understand that banking should be simple, fast, and secure. That’s why our Basic Current Account focuses on what really matters — ease of access, digital flexibility, and cost-effective everyday banking. Whether you’re managing personal finances or handling household expenses, this account adapts to your lifestyle.

• Online-Only Convenience: Open and manage your account completely online without visiting a branch.
• No Hidden Fees: Transparent account structure with zero maintenance or minimum balance requirements.
• Instant Transfers: Move money between accounts or to other banks effortlessly.
• Secure Digital Platform: Advanced encryption and two-factor authentication keep your account safe.
• 24/7 Access: Monitor your balance, pay bills, or transfer funds anytime, from any device.

Designed for today’s digital lifestyle, this account is your best choice for secure, reliable, and straightforward personal banking in North America.

This account is perfect for individuals who need a simple, accessible, and digital solution for daily transactions. Whether you’re a student, professional, retiree, or freelancer, the Basic Current Account adapts to your needs.

• Students who want to manage everyday expenses online.
• Working professionals who prefer fast, digital transactions for salaries and payments.
• Freelancers who need a reliable account for receiving payments and managing income.
• Families looking for an easy way to budget and manage joint expenses.

With its intuitive design and full online capabilities, this account eliminates the hassle of traditional banking while maintaining the same level of security and service you’d expect from a trusted credit union.

Opening your Basic Current Account online is quick and easy. Simply follow these steps:

1. Click on the “Open Your Account” button below.
2. Complete the secure online application form.
3. Verify your identity digitally.
4. Fund your account with an initial deposit (optional).
5. Start banking online instantly — it’s that simple!