Heritage Bank & Trust

Bank · Columbia, United States · overall 5.2 / 10

How this 5.2 is built

Average of 6 scored needs: 5.2. Regulation in United States: 87/100 (World Bank governance indicators). Licence confirmed by a regulator's own list. 2 scores backed by filings or its own pages.

Heritage Bank & Trust is recorded in the global register as a bank in Columbia, United States. The register names Federal Deposit Insurance Corporation as its regulator and shows the licence as active. Total assets 0.42 bn USD at 2026-06-30. It reports 5 offices. Established 2006. Collected from open registers.

On its own website: “Choose a local Tennessee bank that makes a difference for your finances, your family, your community. Choose Heritage Bank & Trust. Great rates on interest checking accounts, CDs, automobile finance and more.”

Legal name: Heritage Bank & Trust
Regulated by: Federal Deposit Insurance Corporation
Licence confirmed: yes, on a regulator's own list
Established: 2006
LEI: 5493000QUE28T1SH6H86
Website: heritagebankandtrust.com

Scores, 0 to 10

6.5Financial strength & stability

· source

6.0United States

Licensed and operating in its home country per the register entry; the depth of its offer here has not been checked yet. · source

5.5Cross-border payments, FX and multi-currency accounts

Holds a banking licence, so it can hold deposits and run payments; the actual terms have not been checked yet. · source

5.0Best interest on business balances

Holds a banking licence, so it can hold deposits and run payments; the actual terms have not been checked yet. · source

5.0Trade, manufacturing & import-export

Holds a banking licence, so it can hold deposits and run payments; the actual terms have not been checked yet. · source

4.5Lowest fees

The bank's own page names the monthly account charge. Transfer and card prices were not read on that page, so this score speaks only for the monthly charge. It reads: “Features & Benefits No minimum opening deposit 1 $5,000 average collected balance to avoid $10 monthly service charge No monthly service fee w/eStatem” · source

4.5Fast digital onboarding

Holds a banking licence, so it can hold deposits and run payments; the actual terms have not been checked yet. · source

Sources

Built on public information and the BankStore team's own aggregated experience; no confidential client or partner data. Bank Index and BankStore are not banks. This is information, not financial advice.