Located in Leachville, Ark., Heritage Bank offers personal credit cards, including Visa Gold, Platinum and MasterCard. It also offers corporate cards for business spending and easy monthly statements. Heritage Bank offers merchant services for businesses that accept Visa and MasterCard. It offers personal accounts, such as free checking, NOW checking, Ultimate checking and FAB 50 checking. It offers business accounts options, such as business checking and heritage fund checking. It offers other services, such as telephone banking, Internet banking with bill payer service, direct payments and wire transfers. It offers various loans, such as consumer, small business, commercial, agriculture, real estate and home improvement loans. It also provides certificates of deposit, individual retirement accounts, safe deposit boxes and direct deposits.