Micro Deposits are automated processes used to verify external account transfer capabilities. These external accounts are verified by an initial transfer of two small “micro” deposit amounts over one to two business days. This process allows the customer to verify and add external accounts safely without having to contact the Financial Institution directly.

External Accounts are checking or savings accounts that are owned by you at another financial institution.  Retail customers can manually add their checking or savings accounts held at other Financial Institutions to Online Banking by supplying the exact ABA routing number, account number and account type.  Micro Deposits are sent to the external account for verification.  This service is not intended for one person to pay another.

Micro Deposits are automated processes used to veryify external account transfer capabilities.  These external accounts are verified by an initial transfer of two small "micro" deposit amounts over one to two business days.  This process allows the customer to verify and add external accounts safely without having to contact the Financial Institution directly.

• Log in to your Online Banking account
• Select "Transfers"
• Select "Add External Account"
• Follow the instructions and be ready to provide your full account number, account type and routing number from the other institution
• Click "Continue"
• This will initiate two "micro" deposits to your external account and in 1-2 business days you will be asked to verify these amounts

Access your external account and write down the two micro deposit amounts. Return to your Heartland Bank Online Banking and click the "Transfers" tab, then "Verify External Account" tab. Provide required information to complete the account verification process. You will have 14 days to verify this account.

The micro deposits will appear in your external account in 1-2 business days after the external account is set up in Online Banking.

One-Time Pin (OTP) is a layer of security to protect your account and mitigate any potential financial loss by fraud. A OTP pin is a system generated code that is required to complete certain types of processes or transactions.  Every time you submit an external transfer request, you will be required to get and enter the OTP code.  The first time you log into your Online Banking account, you are required to enroll in OTP to establish your desired options for receiving the OTP.   The OTP can be sent as an automated call, text messages or email.

There is no fee for retail customers to transfer funds to/from an external account. Authorized Business customers will be charged a $5.00 per transfer fee when transferring funds to/from an external account.

Transaction limits for external transfers are $2,500/transaction, $2,500/day and $10,000/month.

External transfer limits are reset on the first day of every month.

External transfers are generally completed on the 2nd business day following the submission date. (i.e. If you request the external transfer on Monday, your transaction should be completed by Wednesday.)

In Online Banking under the Transfer > Recipients menu, click the Add a Recipient button. Click the button next to An account at Another Bank or Credit Union then click Next. Accept the Terms & Conditions disclaimer by clicking Agree. Read the An Account at Another Bank message box explaining the micro deposit process then click Continue. Enter the information for each required * field and check the box next to the option(s) you want, then click Create.