Welcome to Heritage Capital Trust
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Live  ·  Trusted Digital Banking

Banking that moves at your speed.

Open an account in minutes, move money globally, and grow savings with competitive rates — all from one secure Heritage Capital Trust app.

Open an Account Explore Services
LO JK BG +
★★★★★
4.9/5 from 12,400+ verified customers
$2.4B+Assets secured
180+Countries served
24/7Human support

Total Balance

$48,290.75 ▲ 8.2%

+ Send Request Swap
Spending insights+12.4% saved
Salary — Heritage CorpToday · 9:41 AM
+$4,820.00
International transferYesterday · Zero fees
-$1,250.00
Fraud blockedSuspicious login stopped
Instant transfer$2,500 → UK in 8s
Savings APY 4.60% EUR/USD 1.0842 GBP/USD 1.2718 256-bit encryption active Avg. transfer speed 8 sec FDIC-insured partner banks Savings APY 4.60% EUR/USD 1.0842
Products

One app for all your money

Checking, savings, cards, global transfers and lending — unified in a single dashboard with real-time control.

Popular

Smart Checking

No monthly fees, early direct deposit and instant virtual cards for online spend.

Open checking

High-Yield Savings

Earn up to 4.60% APY with auto-save rules, vaults and round-ups.

Start saving

Global Transfers

Send to 180+ countries in seconds at real exchange rates with zero hidden markup.

Send money

Rewards Cards

Up to 2% cashback, metal cards, instant freeze and smart spend alerts.

Compare cards

Flexible Loans

Personal, home, auto and student loans with decisions in minutes.

Check rates

Business Banking

Multi-user accounts, invoicing, payroll and expense cards for teams.

For business
Why Heritage Capital Trust

Private-bank care, fintech speed

Dedicated advisors plus real-time tools — open accounts in minutes, track every dollar, and get guidance when it matters.

  • Open in minutes — ID verification, e-signature and instant virtual card.
  • Real-time control — freeze cards, set limits and auto-save from anywhere.
  • Human when needed — 24/7 advisors by chat, phone or branch.
Start Banking TodayOur story
OverviewCardsInsights
Heritage Capital Trust ···· 4242

$48,290.75

Savings APY4.60%▲ Top 5% nationally
Transfer speed8 secAvg. global payout

256-bit Encryption

Bank-grade encryption on every session and transaction.

Fraud Monitoring

24/7 anomaly detection with instant push alerts.

Biometric Login

Face ID, fingerprint plus 2-factor on every device.

Secure Transfers

Verified, end-to-end encrypted global payments.

How it works

From signup to spending in 3 steps

Fully digital onboarding with human backup — no branch visit required.

1

Create your account

Register in minutes with ID verification and e-signature. Get an instant virtual card.

2

Fund & customize

Link your bank, set savings vaults, limits and alerts for total control.

3

Spend & grow

Pay globally, earn up to 4.60% APY and track everything in real time.

Get Started Free
Transparent pricing

Rates with nothing to hide

Live competitive rates across savings and loans.

ProductRateTermsSpeed
High-Yield SavingsFDIC-insured partners
4.60%APY
$0 minimum
Instant
Open
Personal Loan$1k - $100k
7.49%APR from
No origination fee
Same day
Apply
Home Loan30-yr fixed
6.12%APR from
3% down options
21 days
Apply

Personal Banking

Checking, rewards cards and savings that grow.


Learn more

Business Banking

Checking, payroll, invoicing and lending.


Learn more

Car Loans

Competitive auto rates, pre-approval in minutes.


Learn more

Student Loans

Flexible education finance with grace periods.


Learn more
Loved worldwide

Trusted by 120,000+ customers

Real reviews from personal and business members.

★★★★★

"I loved the customer service — patient with every question. Instant card, instant transfer. I will definitely come back."

Lindo E. Olson
Lindo E. OlsonChecking Account
★★★★★

"Applying for my business loan was easy and fast. The team kept me updated at every step."

Joyce Kareen
Joyce KareenBusiness Loan
★★★★★

"Kind service, minimal wait. International transfer landed in seconds with live tracking."

Berry G Gale
Berry G GaleHome Loan


Mobile app

Your entire bank, in your pocket

Biometric login, instant notifications, virtual cards and global transfers — rated 4.9.

App Store Google Play
Heritage Capital TrustOfficial mobile app
★★★★★ 4.9 · 120k reviews
Scan with your camera to download
FAQ

Questions, answered

How fast can I open an account?

Most customers finish in under 10 minutes: verify ID, e-sign, fund your account and get an instant virtual card.

Are my deposits insured?

Yes. Deposits are held with FDIC-insured partner banks up to applicable limits, with 256-bit encryption and 24/7 monitoring.

How do international transfers work?

Send to 180+ countries at real exchange rates. Most arrive in seconds with tracking and zero hidden markup.

What does it cost?

No monthly fees on Smart Checking, no minimums on savings, transparent APRs shown upfront.

Get started

Let's build your financial future

Join 120,000+ customers banking smarter. Free to open, ready in minutes.

Open an Account Contact Us
No monthly fees · FDIC-insured partners · Cancel anytime
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