The Heritage Bank is one of the leading financial institutions in southeastern Georgia. Established in 1911, the bank serves various businesses, schools and churches. It offers checking, savings and individual retirement accounts, as well as combined statements, safe deposit boxes, money orders and cashier s checks. The bank also provides loans, mortgages, time deposits and credit cards. It additionally offers bounce protection, electronic fund transfer, ATM banking, check imaging, notary and utility payment services. The Heritage Bank provides vehicle, personal and business loans and lines of credit. It also offers securities through UVEST Financial Services and participates in loan programs offered by the Coastal Area District Development Authority. The bank is a member of the Federal Deposit Insurance Corporation.