Founded in 1990, Heritage Bank is a financial institution that provides a variety of personal and business banking options. The bank offers regular, business and heritage free checking and money market accounts. It also provides standard certificates of deposit and individual retirement accounts. Heritage Bank offers commercial and business loans and lines of credit. The bank provides safe-deposit boxes and wire transfer and night depository services. It specializes in cash management and merchant credit card processing solutions. Heritage Bank offers credit and ATM cards. It provides 24-hour banking services through Heritage Advantage Line. The bank additionally maintains a network of ATMs throughout Kentucky. Heritage Bank is a member of the Federal Deposit Insurance Corporation and an Equal Housing Lender.