Founded in 2005, Heritage Bank and Trust is a commercial bank that offers a range of financial services and solutions. The bank provides Internet banking services that include online account information, money transfer between accounts and electronic bill payment. It offers money market, savings, checking and individual retirement accounts. Heritage Bank and Trust also provides certificates of deposit. The bank offers mortgage, construction, home equity and agriculture loans. It provides night depository, safe-deposit boxes, merchant credit card and telephone banking services. The bank offers mortgage payment calculators and savings estimators. It is a member of the Federal Deposit Insurance Corporation. Heritage Bank and Trust is located in Columbia, Tenn.