Checking

Personal Checking | Business Checking


Personal Checking

At Heartland Bank, we focus on YOU. You’ll never feel like “just another number.” Our mission is to provide the highest level of personal service and expertise to meet the unique needs of each of our customers. And once you’re a member of the Heartland Bank family, we will work to understand who you are, where you want to go, and how we can help you get there.

Choose from our variety of accounts and get started with your personal banking experience today, so you can begin to discover the benefits of banking with Heartland!


Personal Checking Account


SIMPLY CHECKING INTEREST PLUS + CASH BACK PREFERRED PLUS CHECKING
Opening Deposit $100 $100 $100
Monthly Service Charge (per account) 1 None None None
Min. Balance Required to avoid Fee 2 None None None
Qualifications None Click on Learn More below Adults 50+ years of age
Interest Bearing 3 Image of checkmark Image of checkmark
Cash Back Image of checkmark Image of checkmark
eStatement Enrollment Required 4 Image of checkmark
Free ATMs Nationwide9 Image of checkmark
Online Bill Pay1 Image of checkmark Image of checkmark Image of checkmark
Discounted Checks Image of checkmark
Free MasterCard ® Debit Card Image of checkmark Image of checkmark Image of checkmark
Free Online Banking Image of checkmark Image of checkmark Image of checkmark
Free Mobile Banking Image of checkmark Image of checkmark Image of checkmark
Free 24-hour Telephone Banking Image of checkmark Image of checkmark Image of checkmark
Learn More Learn More Learn More

SIMPLY CHECKING

Easy and Hassle-Free Checking

  • $100 opening deposit
  • No monthly service charge1
  • No requirements
  • Truncated paper statements (no images)
  • Online Bill Pay1
  • Free MasterCard debit card
  • Free online banking
  • Free mobile banking
  • Free 24-hour telephone banking
OPEN AN ACCOUNT


1 All account service charges apply. Fees could reduce earnings on the account. 

INTEREST PLUS + CASH BACK

How much interest could you earn?


Interest Plus + Cash Back tiers: Monthly Qualification Cycle (QC)*

Premium 9

3.00% APY5

(0-$15,000.99)


  • 25 debit card transactions of $5 or more post & clear
  • 1 automatic payment or direct deposit post & clear
  • Receive eStatement only 4
  • Access online banking at least once during the monthly QC
  • Bonus: 0.25% cash back on credit/signature based MasterCard debit card purchases of $50 or more (Limit of $250 Cash Back per monthly QC) 8 

Advanced 9

2.00% APY6

(0-$15,000.99)


  • 10 debit card transactions of $5 or more post & clear
  • 1 automatic payment or direct deposit post & clear
  • Receive eStatement only 4
  • Access online banking at least once during the monthly QC





Basic 9

0.05% APY7

On Entire Balance


  • Qualifications not met during monthly QC7









OPEN AN ACCOUNT


1 All account service charges apply. Fees could reduce earnings on the account. 2 A service charge will apply if daily balance falls below minimum balance requirement. 3 Interest rates and Annual Percentage Yield (APY) may change after account opening. Fees could reduce earnings on the account. Interest will be compounded and credited to the account monthly or quarterly depending on the type of account. Please refer to the Rates for more information, as rates are subject to change. 4 Electronic statement is required. Account will be charged a monthly fee of $8.50 if not enrolled in eStatements. 5 An interest rate of 0.50% will be paid only for the portion of your daily balance that is greater than $15,000.99. The Annual Percentage Yield (APY) for this tier will range from 3.00% to 0.50% depending on the balance in the account. If your daily balance is $15,000.99 or less, the interest rate paid on the entire balance will be 2.96% with an APY of 3.00%. 6 An interest rate of 0.50% will be paid only for the portion of your daily balance that is greater than $15,000.99. The Annual Percentage Yield (APY) for this tier will range from 2.00% to 0.50% depending on the balance in the account. If your daily balance is $15,000.99 or less, the interest rate on the entire balance will be 1.99% with an APY of 2.00%. No cash back on purchases. 7 If you do not meet the monthly QC requirements, the interest rate on your entire balance will be 0.05% with an APY of 0.05%. No cash back or ATM fee refunds will be given for the monthly QC. 8 Credit/Signature based purchases: Simply swipe and sign! Pin-based transactions do not apply. Cash back bonus is paid per monthly QC. 9 This is one account which earns the Premium, Advanced or Basic APY on the monthly QC. Rates accurate as of 07/01/2016. We may change the interest rate and APY at any time after the account is opened. No minimum balance required. However, you must deposit a minimum of $100 to open this account. Available to personal accounts only. Two accounts allowed per social security number. Unlimited ATM Domestic refunds if requirements are met. Fees could reduce earnings on the account. Qualifying transactions must post and clear the account during the monthly QC. “Monthly Statement Cycle” begins on the second Wednesday of each month and ends on the second Tuesday of the following month. “Monthly Qualification Cycle” is the same time period described in the “Monthly Statement Cycle”. Transactions may take one or more business days from the transaction date to post to an account. Intra-bank transfers do not count as qualifying ACH transactions.

PREFERRED PLUS CHECKING

Something Special for Those 50+ Years of Age

  • $100 opening deposit
  • No monthly service charge 1
  • For adults 50+ years of age
  • Earns interest at a competitive rate
  • Monthly statement with images
  • Online Bill Pay1



  • Receive $0.10 Cash Back per debit card transaction on purchases of $50 or more made during monthly statement cycle (maximum Cash Back reward of $5 per monthly statement cycle)
  • Receive $2.50 Cash Back for eStatements

  • 1 free box of Heartland logo checks annually (additional boxes 50% off)
  • Free cashier’s checks
  • Free online banking
  • Free mobile banking
  • Free 24-hour telephone banking
  • Free MasterCard® debit card 

OPEN AN ACCOUNT


1 All account service charges apply. Fees could reduce earnings on the account. 2 A service charge will apply if daily balance falls below minimum balance requirement. 3 Interest rates and Annual Percentage Yield (APY) may change after account opening. Fees could reduce earnings on the account. Interest will be compounded and credited to the account monthly or quarterly depending on the type of account. Please refer to the Rates for more information, as rates are subject to change


Business Checking

At Heartland Bank, we mean business. We offer a variety of solutions for businesses of all sizes. From a small business checking account to a full suite of treasury management services, we are confident that we can create a customized solution to meet all of your business needs.


Small Business Checking

Stress-Free Business Banking

  • $100 opening deposit
  • No monthly service charge 1
  • No minimum balance requirement
  • 300 items free 10
  • Enrollment for eStatements not required
  • Monthly statement with images
  • Free MasterCard® debit card
  • Free online banking
  • Free mobile banking
  • Free 24-hour telephone banking
  • Treasury Management Services available

1 All account service charges apply. Fees could reduce earnings on the account. 10 Items include the following: paper deposits, deposited items, checks written, ACH debits and ACH credits. A per item fee will be applied if over the allowed item limit. 


Business Interest Checking

Keep Your Money Working for You

  • $100 opening deposit
  • No monthly service charge 1
  • $2,500 minimum balance required 2
  • 150 items free 10
  • Enrollment for eStatements required 4
  • Earns interest
  • Free MasterCard® debit card
  • Free online banking
  • Free mobile banking
  • Free 24-hour telephone banking
  • Treasury Management Services available

1 All account service charges apply. Fees could reduce earnings on the account. 2 A service charge will apply if daily balance falls below minimum balance requirement. 4 Electronic statement is required. Account will be charged a monthly fee of $8.50 if not enrolled in eStatements. 10 Items include the following: paper deposits, deposited items, checks written, ACH debits and ACH credits. A per item fee will be applied if over the allowed item limit. 


Professional Plus Checking

Carry a Higher Balance~Feel the Rewards

  • $100 opening deposit
  • $15 monthly service charge 1
  • No minimum balance required
  • 250 items free 10
  • Enrollment for eStatements not required
  • $2.50 Cash Back when enrolled in eStatements
  • $2.50 Cash Back for each $2,500 in average ledger balance for the monthly statement cycle (up to $12,500)
  • Monthly statement with images
  • Free MasterCard® debit card
  • Free online banking
  • Free mobile banking
  • Free 24-hour telephone banking
  • Treasury Management Services available

1 All account service charges apply. Fees could reduce earnings on the account. 10 Items include the following: paper deposits, deposited items, checks written, ACH debits and ACH credits. A per item fee will be applied if over the allowed item limit. 


Commercial Plus Checking

Business Checking With All the Features You Need

  • $100 opening deposit
  • $15 monthly service charge 1
  • No minimum balance required
  • $0.125 per item 10
  • Enrollment for eStatements not required
  • $2.50 Cash Back when enrolled in eStatements
  • Earnings credit applied monthly
  • Monthly statement with images
  • Free MasterCard® debit card
  • Free online banking
  • Free mobile banking
  • Free 24-hour telephone banking
  • Treasury Management Services available

1 All account service charges apply. Fees could reduce earnings on the account. 10 Items include the following: paper deposits, deposited items, checks written, ACH debits and ACH credits. A per item fee will be applied if over the allowed item limit.