Savings

Whether you’re saving for a special purchase or an unexpected expense, Heartland Bank offers a variety of accounts to help make the most of your hard-earned savings.

What will it take to help reach your savings goals? Use our handy financial calculators to learn more.


Personal Savings


Savings Plus


A Classic for Your Everyday Savings Needs

  • $200 opening deposit
  • No monthly service charge if minimum daily balance of $200 is maintained 1
  • Interest paid on entire balance
  • Deposits: Unlimited deposits at no charge
  • Withdrawals: Up to 6 allowed per cycle (fee applied for additional withdrawals) 2
  • Quarterly statement cycle
  • Truncated paper statements (no images)
  • Free online banking
  • Free mobile banking
  • Free 24-hour telephone banking

OPEN AN ACCOUNT

1 A service charge will apply if daily balance falls below minimum balance requirement. Fees could reduce earnings on the account. 2 Certain transaction restrictions may apply on the account. Fees could reduce earnings on the account. 


Just 4 Kids Savings

It’s never too early to learn the value and wisdom of saving money. Parents can help children get a head start on financial education with Just-4-Kids Savings.

  • $25 opening deposit
  • No service charge if minimum of $10 is maintained (fee applied if balance falls below minimum) 1
  • For ages 18 and under 3
  • Deposit - One required monthly 2
  • Withdrawals - One allowed per monthly statement cycle; (fee applied if balance falls below minimum) 2
  • Earn 4.00% APY on your balance up to $1,000.99 4
  • Earn 0.10% APY on your balance over $1,000.99 4
  • Earn 0.10% APY if requirements are not met 4
  • Truncated paper statements (no images)
  • Free Online banking
  • Free mobile banking
  • Free 24-hour telephone banking

Contact us today to open a Just-4-Kids Savings account and provide valuable money-management lessons to your children.

Open An Account

1 A service charge will apply if daily balance falls below minimum balance requirement. Fees could reduce earnings on the account. 2 Certain transaction restrictions may apply on the account. Fees could reduce earnings on the account. 3 One account per Social Security number. 4 Annual Percentage Yield (APY). An interest rate of 0.10% will be paid only for that portion of your daily balance that is greater than $1,000.99. The APY for this tier will range from 4.00% to 0.10% depending on the balance in the account. If your daily balance is $1,000.99 or less, the interest rate paid on the entire balance will be 3.93% with an APY of 4.00%. If you do not meet the requirements in a given cycle, the interest rate on your entire balance will be 0.10% with an APY of 0.10%. Rates accurate as of 07-01-2016. We may change the interest rate and APY at any time after the account is opened.


Personal Money Market


Convenient and Accessible Savings

  • $2,500 opening deposit
  • No monthly service charge if minimum daily balance of $2,500 is maintained 1
  • Interest paid on entire balance
  • Deposits: Unlimited deposits at no charge
  • Withdrawals: Up to 6 allowed per monthly statement cycle (fee applied for additional withdrawals) 2
  • Monthly statement with images
  • Free online banking
  • Free mobile banking
  • Free 24-hour telephone banking

OPEN AN ACCOUNT

1 A service charge will apply if daily balance falls below minimum balance requirement. Fees could reduce earnings on the account. 2 Certain transaction restrictions may apply on the account. Fees could reduce earnings on the account.


Business Savings


Business Savings


Save and Reinvest Into Your Business

  • $200 opening deposit
  • No monthly service charge if minimum daily balance of $200 is maintained 1
  • Interest paid on entire balance
  • Deposits: Unlimited deposits at no charge
  • Withdrawals: Up to 6 allowed per monthly cycle (fee applied for additional withdrawals) 2
  • Monthly statement with images
  • Free online banking
  • Free mobile banking
  • Free 24-hour telephone banking

1 A service charge will apply if daily balance falls below minimum balance requirement. Fees could reduce earnings on the account. 2 Certain transaction restrictions may apply on the account. Fees could reduce earnings on the account.


Business Money Market


Earn Higher Interest for Higher Balances

  • $2,500 opening deposit
  • No monthly service charge if minimum daily balance of $2,500 is maintained 1
  • Interest paid on entire balance
  • Deposits: Unlimited deposits at no charge
  • Withdrawals: Up to 6 allowed per monthly cycle (fee applied for additional withdrawals) 2
  • Monthly statement with images
  • Free online banking
  • Free mobile banking
  • Free 24-hour telephone banking

1 A service charge will apply if daily balance falls below minimum balance requirement. Fees could reduce earnings on the account. 2 Certain transaction restrictions may apply on the account. Fees could reduce earnings on the account.


If you have any questions or concerns, please feel free to stop by any of our  locations  or  contact us  and we’ll be happy to assist you.