Welcome Heritage Bank Customers!

Your banking experience is about to get more access, more support, and keep the same local service you trust.

OP and HB

 

What's happening?

Heritage Bank of St. Tammany is joining the OnPath Credit Union family! That means you'll soon be part of a people-first credit union with more branches, better digital tools, and expanded financial services to support your goals.

You’ll still see the same friendly faces and get the same local service you know and trust. The main difference is that you’ll now get the added benefits of a credit union that puts you first.

We’ll be here every step of the way to make the transition smooth and simple.

The perks of being part of OnPath Credit Union

  • 17 branches and an expanded ATM/ITM network, putting us closer to where you live and work.
  • Full banking services will now be available in the Greater New Orleans area, Hammond, Thibodaux, Slidell and the River Parishes.
  • Federally insured by the NCUA-Just like the FDIC insures your deposits at a bank, your deposits are protected up to $250,000 by the NCUA. If the account is joint, the NCUA covers each person for up to $250,000.
  • Enhanced digital banking capabilities including Zelle® and Credit Score Management will be available through mobile banking.
  • Extended hours and open on Saturdays.

The OnPath Credit Union Difference 

Real Benefits

  • Member-owned - You're part-owner, not just a customer.
  • Federally insured by the NCUA - Just like the FDIC insures your deposits at a bank, your deposits are protected up to $250,000 by the NCUA. If the account is joint, the NCUA covers each person for up to $250,000.
  • Better rates, Lower fees - We turn your profits over to you in the form of higher checking and savings rates and lower fees.
  • Community Commitment - Your membership helps promote community impact, right where you live.
  • Personalized Service - As a member of OnPath you will get the same financial products and services offered at a bank with the same local, friendly service you're used to.

Real Products

CHANGE IN TERMS

Effective April 1st, 2026, existing Heritage products will convert into OnPath products. Although the most similar product has been selected, there are a few slight changes. This chart will help you determine your new OnPath products. Click on each OnPath product link to learn more about each account. 

HERITAGE BANK PRODUCT ONPATH CREDIT UNION PRODUCT KEY DIFFERENCES

Full Service Checking

 While your Rewards Cash Back Checking increases your reward rate to a generous 5%*, the monthly cap is now $8. To qualify for these higher rewards, the monthly requirement is 15 debit card purchases, and the direct deposit requirement has been removed. You must still also Login to online or mobile banking one (1x) or more times per cycle and Enroll in e-statements and receive for the statement cycle to qualify.

HB Cash Back Rewards

 While your Rewards Cash Back Checking increases your reward rate to a generous 5%*, the monthly cap is now $8. To qualify for these higher rewards, the monthly requirement is 15 debit card purchases, log in to online or mobile banking one (1x) or more times per cycle and enroll in e-statements and receive them. 

Prime Bonus Checking

 Your new Rewards High Yield account features a significantly higher 6.00% APY* on balances up to $10,000, nearly tripling your previous earning potential. While the monthly qualifying cycle moves to 15 debit card purchasesand the direct deposit requirement has been removed. You must still also Login to online or mobile banking one (1x) or more times per cycle and enroll in e-statements and receive for the statement cycle to qualify.

Interest Checking

 Your new Rewards High Yield account features a significantly higher 6.00%* APY on balances up to $10,000 nearly tripling your previous earning potential. While the monthly qualifying cycle moves to 15 debit card purchases, there is no direct deposit requirement. You must still also Login to online or mobile banking one (1x) or more times per cycle and enroll in e-statements and receive for the statement cycle to qualify.

Statement Savings

 Your new OnPath Savings account features a low $5 minimum requirement. Because we are a member-owned credit union, this account serves as your "Base Share," representing your ownership in the cooperative and remaining open as the foundation of your lifelong membership. 

Select Savings

 Our OnPath Money Market offers much greater flexibility with a significantly lower minimum balance of just $1,000 and a tiered dividend structure* that rewards you as your savings grow. While there is a $15 fee** for overdraft protection transfers from this account, the reduced balance requirement makes it easier to keep your funds working for you without worrying about a high monthly fee.  There are three free withdrawals per month and a $10 fee** per withdrawal afterwards. 

 Christmas Club

Your new OnPath Christmas Club account is designed to help you prepare for the holidays, with your annual payout arriving in early November—just in time for the shopping season. While these funds are meant for your year-end goals, you now have the added flexibility to access your savings early if an unexpected need arises for a small $10 fee**.

 

Business Interest Checking

 Our OnPath Advantage Business Checking is built to scale with your success, offering a significantly higher limit of 250 free transactions** per month and .25 cents per transaction activity beyond that. While there is a $10 monthly service fee if your balance falls below $2,500, the expanded transaction capacity is designed to provide greater value as your business grows. Your monthly cash deposits under $5,000 are free in this account and incur a fee** of $1.50 per $1,000 beyond this limit.  

Small Business Checking

 Our OnPath Advantage Business Checking is built to scale with your success, offering a significantly higher limit of 250 free transactions** per month and .25 cents per transaction activity beyond that. While there is a $10 monthly service fee** if your balance falls below $2,500, the expanded transaction capacity is designed to provide greater value as your business grows. Your monthly cash deposits under $5,000 are free in this account and incur a fee** of $1.50 per $1,000 beyond this limit. 

Select Business Savings

 Our OnPath Business Money Market offers much greater flexibility with a significantly lower minimum balance of just $1,000 and a tiered dividend* structure that rewards you as your savings grow. While there is a $15 fee** for overdraft protection transfers from this account, the reduced balance requirement makes it easier to keep your funds working for you without worrying about a high monthly fee.   There are three fee free withdrawals per month and a $10 withdrawal fee** afterwards. 

Business Savings

 Your new OnPath Business Savings account maintains a low $5 minimum balance, serving as the "Base Share" that establishes your business as a member-owner of our credit union. This account represents your company’s stake in our financial cooperative and stays active as the foundation for your business’s growth and long-term partnership with OnPath.  

 

* See our dividend rates and tiered structures here. 
 **See our full fee schedule by clicking here. 

 

Other terms to keep in mind:

  • All certificate accounts were converted with your same rate and term. Future rollovers will roll into the product that most closely matches the original term if the exact products do not exist.
  • All OnPath accounts that pay dividends do so on the last day of each month. All quarterly dividends will now be paid monthly.
  • OnPath is proud to offer our members a comprehensive Courtesy Pay and Overdraft Protection program. You may opt out of courtesy pay coverage altogether, or you may opt in for courtesy pay to cover your everyday debit card purchases, starting 4/2, after your account has fully transitioned to OnPath.

New or Different Fees to Be Aware Of:

  • Paper statement fee (if not enrolled in eStatements) 
  • Non-network ATM fees including a fee to check your balance at a non-network ATM. 
  •  Our Money Market Accounts have up to three penalty-free withdrawals per month. 
  • Our Christmas Club accounts have an early withdrawal fee of $10.00.
  • If your account goes inactive after a period of 12 months, with no transactions there will be an inactive account fee incurred.  
  • See the rest of our fees here. 

What to Expect in April 2026

What's staying the same

  • Your paper checks - Your checks and check orders will remain the same. You can use the same ACH number to order new checks.
  • Direct deposits - Paychecks, Social Security, and other deposits will continue as usual.
  • Automatic payments (ACH) - Any scheduled payments (utilities, insurance, subscriptions, etc.) made with routing number and account number will process as expected.
  • Heritage Branch Branches- Most of your Heritage Bank Branches will rebrand as OnPath Credit Union and remain open. 

What will change in the future

  • Debit & Credit Cards - Heritage Bank Debit Cards will be replaced with OnPath Credit Union Debit cards. You will need to update any payments via debit card with your new number.
  • Digital Banking - Heritage Bank Clients will have to download the OnPath Mobile app and register as new users. Website logins will move to BeOnPath.org. Bill Payer information will have to be set up again. 
  • Website - HeritageBank.org will continue to host holding company information, but all banking links will be removed. A redirect notice will guide visitors to BeOnPath.org for banking services. 
  • Routing Number - The Heritage Bank routing number will change to the OnPath CU routing number 265075087. But don't worry, your checks, direct deposits, ACH withdrawals will keep working through the old Routing number for many months after conversion.

Things you can do to Prepare

 

Update your contact information

Please confirm your contact information so you don't miss any important communications.

  • If you haven’t received any mail regarding OnPath Credit Union’s acquisition of Heritage Bank, you can easily update your contact details right now via Heritage Bank’s Online or Mobile banking.

  • Don't use digital banking? Call us at (985) 652-4990 or visit any Heritage Bank branch location for assistance.

Frequently Asked Questions 

 

1. Heritage Bank is now part of the OnPath Credit Union family. This means that soon you will start seeing a transition from the Heritage Bank of St. Tammany brand to OnPath Credit Union. A systems upgrade will happen on 4/1 that will bring some changes to the way you bank with us.
The only Heritage Bank branch that will close is the Slidell branch. This is because OnPath Credit Union has a Slidell branch that is a 3 minute drive down the street on Gause Blvd. Heritage Bank clients may start using the OnPath Slidell branch on 4/2/2026. All other Heritage Bank branches will still be open.
Many great benefits are coming out of this partnership. With OnPath Credit Union, now Heritage Bank clients will be able to use all 17 OnPath branches across Southeast Louisiana. Many of the OnPath products have the same or higher interest rates plus the same smiling faces from Heritage Bank will now be OnPath Team members.
Starting in March you will begin receiving communications via mail and email on behalf of Heritage Bank and OnPath CU. On April 1st all our offices will close as Heritage Bank and will re-open on April 2nd as OnPath Credit Union.
As a not-for-profit cooperative, we’re owned by members like you, which means our profits return to your pocket through better rates and lower fees! You get the best of both worlds: a top-tier digital banking suite and ITMs for easy transactions, paired with the heart of a local institution. We are proud to employ over 250 of your neighbors who live and work right here in our community. At OnPath, we’re big enough to offer the best tech, but local enough to truly know you
While we understand your current account number is familiar, this upgrade requires us to issue you a new account number to enhance security and prevent system duplicates. Your new account number will be mailed to you by the second week of March. Look out for that communication.
Yes! Now is the time to make sure your contact information is up to date so you don’t miss any important mailings or emails.
You don't need to change your direct deposits, automatic payments, or anything you've already set up. Those will all move over to your new number automatically. You will need to set up any news with your new account number.
Yes, you can keep using your current checks! They will work until you run out of them, for many many months after the system upgrade. If you run out of checks and order them through OnPath Credit Union, they'll automatically be printed with your new account number.
Our system upgrades means a brand new mobile app, use of the OnPath website to log into online banking and a new telephone banking system. Specific details on how to log in for the first time will be in the Welcome Guide. You can also visit BeOnPath.org/login to see step by step instructions on how to log in for the first time.
On April 2nd, Heritage Bank clients will be able to download the OnPath app or login via www.BeOnPath.org and register as new users
Yes, you will need to register as a new user. You may try to keep your old username and password by using those. If the username is taken, the system will let you know and then unfortunately you will have to choose a new username. You may choose your old password by adding that as the password in your new online banking account.
Unfortunately, no. No Bill Pay information will transfer over. Please take the time today to download your bills, accounts and amounts for you to re-add them in the new Bill Pay instance at OnPath Credit Union.
Your past transaction history won't move to the new system, but you won't lose your records! We are providing 12 months of e-statements right inside the new app for easy viewing. If you need more than 12 months we will have them safe for a while and available to you upon request.
To download the new app, just follow these simple steps for your device. Since this is part of the transition, remember to delete your old banking app first to avoid any confusion! STEP 1: Open your App Store: Head to the Apple App Store (for iPhone) or the Google Play Store (for Android). STEP 2: Search for us: Type "OnPath Mobile" or "OnPath Credit Union" into the search bar. STEP 3: Look for the logo: Find the app featuring our OnPath Credit Union logo and tap "Install" or "Get."
The OnPath app has many features you are used to and love, such as remote deposits, e-statements, and card controls (lock and unlock your debit cards plus alerts). We also offer Zelle, which you can sign up for starting on 4/2, Know Your Score, our credit score builder tool that will also be new to Heritage Bank members.
Your Heritage bank debit card will stop working on 4/1. You will receive a new OnPath debit card before 4/1 that you will activate and start using on 4/2.
Yes, your card will stop working on 4/1. We advise that for that one day, you have cash on hand and try to use it for transactions.
Yes, if you are currently using your Heritage Bank card with Apple Pay, Samsung Pay, PayPal, Venmo, Zelle, or other payment options, you will need to unlink the Heritage Bank card and re-link it with your new OnPath Mastercard Debit Card.
Unfortunately, no. Since this is a full reissue of the debit card number, you will need to re-enter it wherever you currently use it to pay, including subscriptions, automatic payments, Apple Pay, etc.
You can continue mailing payments to the Heritage Bank address or visit any open branch to pay in person. Starting April 2, you can also pay through OnPath Online Banking or the Mobile App using an internal or external account. You will also be able to use any OnPath ITM to process loan payments. Simply insert your OnPath debit card and PIN at any branch ITM to pay with cash or a check. If you need a hand, just tap "Video Teller" to have a live team member walk you through the process.
We expect all Heritage Bank offices to close on all day Monday April 1st for this systems upgrade. OnPath CU offices will close at noon on Monday April 1st for this upgrade. We will re-open for normal operations on Tuesday April 2nd.
Call us at (985) 652-4990 or visit any Heritage Bank branch location for assistance.
For checking and savings accounts it depends on the product you currently have with Heritage Bank. See our change in terms in our disclosure packet or visit BeOnPath.org to see details on each OnPath product. Your loan interest rates will remain the same.
We have chosen the most similar products that you currently have with Heritage Bank to transition into OnPath Credit Union. For full details please visit BeOnPath.org/transition.
Not at all! In fact, this acquisition is all about growing together, not slowing down. We are thrilled to welcome the talented Heritage Bank team into the OnPath family, where their local expertise and relationships are the key to our success.