Premium Salary Account

Premium Salary Account Heritiage Credit Union

Elevate Your Everyday Banking

Your salary deserves more than just a regular account. With the Heritage Credit Union Premium Salary Account, you gain access to exclusive banking privileges, higher transaction limits, and priority support designed for today’s working professionals. Whether you’re managing your income, investments, or daily expenses, our premium account gives you complete control, flexibility, and peace of mind.

From zero balance requirements to seamless online banking, this account is tailored for employees and executives who expect the best from their financial partner. Whether you’re located in New York, Toronto, Vancouver, or Chicago, Heritage Credit Union ensures your financial needs are met with modern digital tools and personal attention.

Key Features of the Premium Salary Account

  • Zero Minimum Balance: Enjoy complete freedom with no minimum balance requirement.
  • High Transaction Limits: Transfer and withdraw funds with higher daily limits than standard accounts.
  • Priority Customer Support: Get faster resolution and dedicated account management for all banking queries.
  • Free Debit Card: Access your salary anywhere with complimentary debit cards and global acceptance.
  • Auto Sweep-In Feature: Automatically move excess balance into high-interest savings or deposits.
  • Free Online Banking: Enjoy 24/7 access with secure and user-friendly online and mobile platforms.
  • Exclusive Employee Benefits: Designed for professionals with direct salary credit and workplace tie-ups.
  • Overdraft Facility: Get instant access to additional funds when you need them most.
  • ATM Fee Waiver: Enjoy unlimited transactions at Heritage Credit Union and partner ATMs.
  • Financial Planning Support: Access expert advice for wealth management and investment growth.

Benefits That Go Beyond Banking

The Premium Salary Account is built to give you more than convenience — it provides long-term financial value. With every salary credit, you unlock exclusive privileges and rewards that grow with your career.

  • Instant Salary Credit: Get your salary processed faster through direct credit integration with employers.
  • Reward Points: Earn reward points on every transaction and redeem them for travel, shopping, or cashback.
  • Seamless Bill Payments: Pay utilities, subscriptions, and EMIs easily from your account dashboard.
  • Global Banking Access: Manage your funds anywhere, anytime when traveling for business or leisure.
  • Preferential Loan Rates: Enjoy lower interest rates on personal, car, or home loans.
  • Comprehensive Insurance Cover: Get complimentary accident and travel insurance for peace of mind.
  • Customized Alerts: Receive instant SMS and email notifications for all transactions.

Eligibility Criteria

The Premium Salary Account is available for employees, professionals, and executives with direct salary credits through their employer’s partnership with Heritage Credit Union.

  • Applicant must be 18 years or older.
  • Resident or employed in the USA or Canada.
  • Must receive a regular monthly salary from an approved organization or employer.
  • Valid government-issued ID and address proof are required.

Documents Required

  • Recent passport-size photograph
  • Government-issued ID (Passport, Driver’s License, or National ID)
  • Proof of Address (Utility Bill, Rental Agreement, or Bank Statement)
  • Employment Proof (Offer Letter or Salary Slip)
  • Social Security Number (for US) or SIN (for Canada)

How to Open a Premium Salary Account

  1. Visit your nearest Heritage Credit Union branch or apply online.
  2. Submit the required KYC documents and employment verification.
  3. Provide your employer’s details for direct salary credit setup.
  4. Receive your account number, debit card, and welcome kit instantly.
  5. Start enjoying the exclusive benefits of your Premium Salary Account.

Compare Premium vs Classic Salary Account

Feature Classic Salary Account Premium Salary Account
Minimum Balance Zero Zero
Priority Support Standard Dedicated 24/7 support
Transaction Limit Up to $5,000/day Up to $25,000/day
Insurance Coverage Basic Comprehensive (accident + travel)
Loan Rates Standard Preferential
Rewards Program Limited Enhanced with cashback & travel options
Frequently Asked Questions

Let's Answer Some Of Your Questions Or Frequently Asked Questions

There is no minimum balance requirement. Enjoy zero balance privileges without penalties.

Yes, you can still open a Premium Salary Account individually by providing valid employment and income proof.

No, there are no monthly maintenance fees. All standard banking services are complimentary for account holders.

You can withdraw or transfer money globally through your debit card or online banking portal. All foreign currency transactions are securely processed.

Yes, multiple income sources can be credited to the same Premium Salary Account for easier financial management.

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Open Your Premium Salary Account Today

Unlock exclusive privileges, seamless transactions, and financial rewards with Heritage Credit Union. The Premium Salary Account gives you everything you need to manage your income smartly and securely — all while enjoying priority treatment and global access.

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