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Elevate your everyday banking: priority service, higher transaction limits, premium digital features, and enhanced card rewards — designed for modern customers in the USA & Canada.
Open Premium AccountThe Premium Current Account from Heritage Credit Union is our most capable everyday account for customers who want more from their checking. It blends the convenience of a fully digital banking experience with premium service benefits: higher daily and monthly transaction limits, access to debit card rewards, priority support, and advanced security tools.
Built for people who rely on fast, secure, and flexible banking — whether you manage business-like cash flow personally, travel frequently between the USA and Canada, or simply prefer a higher level of service — the Premium Current Account delivers functional advantages without sacrificing straightforward account management.
Because it’s an online-first offer, you can open and manage this account entirely from your device. We maintain transparent terms and clear disclosures so you always know which premium perks you’re receiving and how to maximize them.
Choose Premium if you:
Our digital platform supports cross-border convenience: strong online access, easy account management, digital statements, and help from our support team who understand North American banking needs.
Note: Some features depend on local eligibility and applicable regulations in your country.
Increased daily and monthly transfer and spending thresholds for active users who need more flexibility.
Earn rewards on everyday purchases with qualifying debit transactions and access exclusive offers from partners.
Access priority phone and chat support and a dedicated specialist line for faster issue resolution.
Advanced fraud monitoring, real-time alerts, card on/off controls, and optional multi-factor verification for top protection.
Budgeting insights, aggregated account views, instant transfers, and scheduled payment automation to simplify your finances.
Exclusive partner discounts, travel benefits, and account concierge services for premium account holders.
| Feature | Premium Current Account | Basic Current Account |
|---|---|---|
| Monthly Fee | Optional (waived with eligibility) | None |
| Transaction Limits | Higher daily & monthly limits | Standard limits |
| Rewards | Debit card rewards & partner offers | No rewards |
| Support | Priority support | Standard support |
| Who it suits | Active users & travelers | Everyday, low-activity users |
Opening a Premium Current Account is quick and secure. Follow these steps to get started from anywhere in the USA or Canada:
Need help? Contact our support team for guided onboarding and a dedicated account specialist.
Yes. The account is available to eligible members in the USA and Canada. Features and regulatory disclosures may vary by country.
Yes — deposits are protected under applicable insurance schemes and subject to published limits and terms in your country.
Some premium add-ons may carry a monthly or annual fee. Fee waivers or reductions may be available when you meet certain eligibility criteria or link products.
Yes — link savings, checking, and investment accounts for instant transfers, aggregated views, and smoother money management.
Use your qualifying debit card for everyday eligible purchases, enroll in partner offers, and review rewards activity through the app to maximize benefits.
