YOUR MONEY, ONE SWIPE AWAY.
From coffee runs to online carts, your debit card keeps things quick, simple, and cash-free.
Benefits You'll Love
- Make purchases wherever Visa® is accepted
- Safer and more convenient than carrying cash or checks
- Easy access to make withdrawals from ATMs
- Qualify for rewards when linked to an eligible checking account
- Free Visa® debit card accepted around the globe and online
- Use your debit card to qualify for rewards with free checking accounts:
- Safer than carrying cash
- More convenient and safer than checks
- Eliminate cost of purchasing checks
- 24/7 access to funds via ATMs
- View our available Debit Card design options
Putting the power to control your card in your hands... no matter where you are!
Safeguard your account against possible fraud with Card Suite Lite. Card Suite Lite allows you to take control of your card anywhere you go with the following features:
- Freeze and Unfreeze Your Card: Lost your card? Freeze it in an instant from your phone and contact your financial institution right away.
- Receive Instant Alerts: Get an alert anytime your card is used, so you already know when and how your money is spent.
- Control Where Your Cards Can Be Used: Decide where purchases can be made and set transaction limits.
- Get Spending Insights: Easily access your spending history and search for transactions.
Download Card Suite Lite FREE from Apple Android to take control of your debit card!
Card Suite Lite FAQs
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What is Card Suite Lite?
Card Suite Lite is a mobile app that allows you to control how, when, and where your debit cards are used. It is a simple and secure way to manage and monitor your payment transaction activity.
How do I get the Card Suite Lite app?
Card Suite Lite is available on both Apple and Android mobile devices. Once the app has successfully downloaded to your mobile device, you can begin the card registration process.
Is there a fee to use the app?
No. It is provided to you at no cost so you can have more control over your card.
What is a real-time alert?
A real-time alert is an immediate push notification sent to the app. You can select to be alerted on all payment transactions, or you can choose just to be alerted for “selected” transactions. Alerts are available by spend limits, location, transaction type and/or merchant category.
How long does it take for a control or alert setting to take effect?
Controls and alerts come into effect immediately after you save your preferences.
What are Alert Preferences?
Alerts let you know every time a card transaction is attempted. You can choose to be alerted for all, or individually selected transactions. Selected alerts are also available by location, transaction type, merchant type, and threshold amount.
What if my smartphone is stolen? How secure is the app?
A password, pin code or your personal biometrics are required to login to the app. Additionally, the app does not store personal information on your mobile device and will only ever display the last four digits of your card number.
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Use this calculator to determine your projected earnings from our Heritage Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Heritage Cash*
| Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| 0 - $25,000 | $100 | 5.84% | 6.00% |
| $25,000+ | $100 | 1.00% | 6.00% to 2.00% |
| All balances if qualifications not met | $100 | 0.0499% | 0.05% |
*Qualifications
Enrollments must be in place and all of the following transactions and activities must post and settle to your Heritage Cash account during each Monthly Qualification Cycle:
- At least 12 debit card purchases
- At least 1 direct deposit, ACH credit, or ACH payment transaction
- Be enrolled in and agree to receive eStatements
Heritage Saver*
| Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| 0 - $50,000 | $20 | 1.98% | 1.00% |
| $50,000+ | $20 | 1.00% | 2.00% to 1.50% |
| All balances if qualifications not met | $20 | 0.0499% | 0.05% |
*Qualifications
Qualifying for your Heritage Cash or Heritage Cash Back rewards automatically qualifies you for the highest Heritage Saver rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Heritage Cash or Heritage Cash Back account during each Monthly Qualification Cycle:
- At least 12 debit card purchases
- At least 1 direct deposit, ACH credit, or ACH payment transaction
- Be enrolled in and agree to receive eStatements
Wisdom Elite*
|
Average Daily Balance |
APR |
APY |
|
>$100,000 |
3.50% |
3.56% |
|
$50,000-$99,999 |
3.10% |
3.15% |
|
$25,000-$49,999 |
2.65% |
2.69% |
|
$15,000-$24,999 |
1.90% |
1.92% |
|
<$15,000 |
1.00% |
1.01% |
Rates may change after account opening. Transaction fees may reduce earnings.
*APY accurate as of 2/12/2026. APY=Annual Percentage Yield. This is a tiered-rate account. Rates vary by balance tier and may change after account opening. See bank for complete tier details, transaction limitations, and fee schedules. Member FDIC.