Is there a schedule or list of all the fees that may apply to my Heartland Bank account?

Additional miscellaneous fees may be applied to your account as a result of various situations. Click here to view the schedule/list of fees.

How do I deposit funds into my online account?

During account opening, you can fund your account a few ways. If you have an existing Heartland Bank account, you can transfer funds from that account. You can also transfer funds from outside financial institutions by using a credit card or by providing a routing and account number.

How can I make additional online deposits?

You can make additional deposits by setting up direct deposit into your new account. If you are a mobile banking customer, you may make a deposit using our mobile check deposit feature. You can also deposit funds into any Heartland Bank ATM that accepts deposits.

If I open a joint account, what additional information do I need?

You will need the same information you would need for an individual account for both applicants. You will both be required to provide your electronic consent to disclosures and your electronic signature.

When will I receive my Visa debit card?

If you requested a Visa debit card with your new account, you will receive your new debit card 7-10 business days after your account opening is finalized.

How can I request a replacement card for an existing debit card or ATM card?

You can request a replacement debit card by calling Client Services at 1-800-697-0049. You can also visit your local Heartland Bank branch to request a replacement debit card or ATM card.

How do I report a lost or stolen debit card?

Please call 1-844-202-5076 to report a lost or stolen card. Use CardValet to control debit and credit card usage.

How can I avoid a fee when using my debit card at an ATM?

Visit any Heartland Bank ATM or any ATM listed by MoneyPass.Our MoneyPass ATM Network has thousands of convenient locations coast to coast, giving you more choices for accessing your accounts, and all are surcharge-free! This means that you can use your Heartland Bank debit card at all non-Heartland ATMs that display the MoneyPass logo, and you won’t be charged a surcharge fee by that institution.

Are there charges associated with using my Heartland Bank debit card outside Central Ohio or the United States?

  • If you use your card and PIN at a non-Heartland Bank ATM, a fee may be imposed by the operator of that ATM, and you may also be charged a fee by any national, regional, or local network utilized to effect the transaction.
  • Visa debit card customers will be charged a Visa International Transaction Fee of up to 1% of the purchase amount on any debit card purchase, completed in person or online, made through merchants located outside the United States.

What do I do if I find a suspicious transaction on my account?

To dispute suspicious items on your debit card, please call the Disputes telephone number on the back of your card, 1-844-202-5076.   Any other questions can be directed to the Heartland Bank Client Services department at 1-800-697-0049 during normal business hours. 

When will I receive checks for my new account?

If you requested checks when opening your account, you will receive your checks 10-14 days after your account opening is finalized and the check order is placed.

How do I re-order checks?

New checks can be re-ordered by calling or visiting your local branch, calling Client Services or through Online Banking.  If using Online Banking, click on the "Services" tab from the Menu on the left, then choose "Check Reorder" from the list. Check mark the account that you would like to order checks for and follow the instructions.

What is Heartland Bank's ABA Routing Number?

Heartland Bank's Routing number is 044109336. 

How can I see copies of checks that I’ve written?

You may view check images anytime through Online Banking.  To view a check that has cleared in the last 12 months, go to your account listings in Online Banking. Click on the account that has the check you want to view. Find the check in the description list, and click on the check number. Details and a picture will populate below the entry. Click again on the check number, and this information will collapse.

How can I request a stop payment?

If you’re enrolled in Online Banking, you can simply log in and click “Other Services” in the blue bar, then “Stop Payment” which brings you to an online request stop payment form. You can also request a stop payment by calling one of our local branches and speaking to any Heartland Bank associate.

Who is eligible for a Health Savings Account?

An individual is eligible for a Health Savings Account and may make/receive monthly contributions if they are covered under a high-deductible health plan, are not covered by any other health plan that is not an HDHP (with certain exceptions for plans providing preventative care and limited types of permitted insurance and permitted coverage), are not enrolled in Medicare, and may not be claimed as a dependent on another person’s tax return.

Who can use an HSA benefit?

An HSA can benefit you, your spouse, and your dependents.

Who can make regular or annual HSA contributions?

You, your employer, your family members, or any other person may contribute to your HSA, even if you are self-employed or unemployed. 

What is the HSA contribution deadline?

You or your employer may are able to make HSA contributions (regular and catch-up) any time during a taxable year and up to/including your federal income tax return due date (excluding extensions) for filing tax returns for that year. That means most years’ contributions must be made on or before April 15 of the following calendar year.

Does CardValet work on Android phones and iPhones?

Yes. CardValet works with the most recent mobile operating software as well as two past generations of Android and iPhone devices.

Does CardValet reflect the card status?

Yes, the Card Details screen displays the Card Status.

Does CardValet work for ATM cards?

No, CardValet currently supports debit and credit cards.

How long does the CardValet app stay logged in if I don’t log out?

The app automatically logs you off in 10 minutes.

How will my name appear on the card within the CardValet app?

Names are displayed as your last name then first name (e.g. SMITH JOHN.)

What does password reset token mean within the CardValet app?

Heartland Bank does not use tokens, so when you request a reset, you will receive an email with a temporary password.

Within CardValet, why are the withdrawal and purchase limits not displayed in the Card Details screen?

We are currently not able to display these fields.

As part of the registration, CardValet may ask you to enter the amount of a Pin-based transaction from the past 72 hours. What if I didn't make a PIN'd transaction? What if I simply signed?

In the event that you do not have an email or SSN on your cardholder record, you will be requested to perform a PIN-based transaction. The amount entered is compared to your historical transaction data. The PIN-based transaction may be performed at an ATM or by making a purchase.

Can multiple cards be linked to one registered CardValet account?

Yes, you can register multiple cards within a single CardValet app. Additional cards can be added within the “Manage Portfolio - Add Card” screen. Only the standard Heartland Bank card design will appear.

How many cards can I register within a single CardValet application?

There is no limit.

If I (as a parent) register a card for my child, what stops my child from changing the CardValet controls placed on the card?

Each person who registers a card will have access to controls and alerts for the card. In many cases, the child will not know about CardValet unless you share the information.

If I have two cards from different financial institutions that support CardValet, can I register both cards with CardValet?

You must create a unique login account for each financial institution. Each login account is applicable for a single financial institution. On the login page, the logo of the last logged-in financial institution appears.

On CardValet, if my address is longer than 20 characters – what should be entered?

You should enter the first 20 characters of the street address.

What are the CardValet password requirements?

CardValet passwords must be at least eight (8) characters in length and must contain at least: one (1) upper case character, one (1) lower case character, one (1) number and one (1) special character.

When I receive a reissued or replacement card, will I need to update my cards within the CardValet application?

Yes. If the card number is new, then you must “add” the new card number to your profile. In addition, you may delete the old card by accessing Settings > Manage Portfolio.

When loading more than one card within the CardValet app on a device, what type of information do I need in order to register each card?

You need to enter the same level of detail entered for the original card. This information generally includes the card number, address, ZIP code, expiration date, and CVV/CVC code. Secondary authentication includes: security token sent in an email, last 4 digits of your social security number, or a PIN’d transaction amount performed in the past 72 hours. Multiple individuals can register the same card as long as you know the card details. Typical examples of multiple individuals registering one card include: parents and dependents; spouses; and employers/employees.

I can download a card on multiple devices in CardValet, but I'm asked which device is "primary." Why assign a primary device? Can I make changes to the settings from the non-primary devices?

The primary device is used to track the GPS for “My Location” alerts and controls and all merchant and threshold alerts will be sent to the primary device. All devices that have registered a particular card can view or change the CardValet settings for that card. Controls (including the “On/Off” setting) are set at the card level, so the last update to a control will be honored regardless of which phone was used to make the change. Alerts are set at the device level, so each primary device will receive alerts that were set up from that particular device. The primary device can be re-set by accessing “Settings - Primary Device.”

A region has been set on the map in my CardValet app. Does this mean my card can only be used exactly in this region?

The region shows the approximate area where the card can be used. CardValet can typically map the transaction down to a zip code or city. If the city or zip code of the merchant overlaps with the selected region in the map, then the transaction can still go through. There are instances where a merchant location cannot be mapped down to a zip code or city, in which case CardValet will default to a state-level match.

Are CardValet alerts sent as email or “push” notifications to my device?

CardValet alerts are sent as push notifications to your phone. The alerts also display under “Messages” in the CardValet app.

Can I turn on My Location for a dependent’s card in CardValet? How will it work?

My Location is only effective for the enrolled user. To limit your dependent’s card, you can use the Region feature to set usage preferences for where the card can be used. Set location preference to “Region” in the drop down menu, then “Add” a “New Region” to set the map to the area where the card may be used.

Using CardValet, can I block all international transactions?

Yes. International transactions can be blocked using the “International” location control. Transactions will be limited to the United States.

How are controls established for various merchant types in my CardValet app?

Specific merchant types have been created within CardValet, and these merchant types can be used for controls or alerts via the “Alert Preferences” or “Control Preferences” screen. Each of the merchant types contains various merchant category codes (MCC). Please note that it is possible for a retailer to forward a MCC that may differ from the CardValet merchant type classification. Merchant types currently supported include: Department Store; Entertainment; Gas Station; Grocery; Household; Personal Care; Restaurant; Travel; and Others.

Can I turn the low balance alert off in CardValet?

The low balance alert is controlled on a cardholder level. It cannot be turned off by client/card prefix.

For CardValet, how do I turn off notifications at certain times such as when I am sleeping?

You can set the “Do Not Disturb” time that will suppress notifications during the set times. Some notifications will still be delivered, for example any transaction denial or any transaction that is a card-present authorization.

How long does it take for a control or alert setting to take effect in CardValet?

Control settings take effect as soon as the “Updating information” message in the app stops.

In CardValet, if I set multiple alerts and a transaction violates these alerts, will I receive a separate message for each alert?

No, the alerts are consolidated into one message. For example, if the message has violated “Threshold” and Location settings, then you will see only one alert and not multiple alerts.

If My Location is set in CardValet, but the primary device is off, will transactions be denied outside of the “My Location” area?

CardValet ignores location information that is more than one (1) hour old. So, if your phone is off for more than an hour, My Location controls will not take effect, and the transaction will not be denied on the basis of the old location information.

If I set an alert for international transactions in CardValet and no controls are set, will I get alerts for international transactions regardless of whether the transaction is blocked or successful?

Yes, an alert is generated regardless of whether or not a control preference is set.

What exactly is the range of the “My Location?” controls in CardValet, and will this control setting impact internet transactions?

The My Location controls and alerts will check to ensure the merchant location is within a five (5) mile radius of the device set as “primary” within CardValet. These controls impact “card present” transactions only, therefore internet transactions are not impacted.

Regarding CardValet, what happens if My Location is set but the phone is left at home? Will transactions be denied outside the My Location area?

CardValet performs a proximity check at the granularity of zip code or city, so if the merchant is close to home, the transactions will still go through.

When is a low balance alert generated in CardValet?

CardValet updates the balance under two conditions: (a) when you log into CardValet and (b) when you tap “Refresh.” Even if the balance has fallen below the threshold that you set, it is only updated when you log into the app or tap “Refresh,” which then triggers the alert.

Will location controls, merchant controls, threshold controls, and turning the card “Off” impact previously authorized recurring transactions in CardValet?

Previously authorized recurrent payments will continue to process and will bypass the CardValet edit checks.

A threshold limit of $50 has been set in my CardValet app and now I can’t fill gas in some stations. Why?

There are some merchant types where a merchant will pre-authorize the card for an amount that may be larger than the actual transaction amount. In this instance, the pre-authorization amount must meet the threshold spend limit.

A threshold limit of $50 has been set in my CardValet app, but I can fill gas in some stations for more than $50. Why?

CardValet controls are only invoked during authorization of a transaction. In some cases, such as Gas Stations, a card may be tested for validity by doing a $1 pre-authorization, and the actual transaction amount is charged to the card after the transaction. Some gas stations will pre-authorize for a maximum amount, e.g. $126, and some gas stations will check validating, e.g. $1. In the latter case, the actual transaction amount may exceed the limit, while in the former case, an authorization may be denied.

Does the CardValet app show recent transaction history?

Yes, the app shows the last 50 card-based transactions posted within the last 30 days.

What type of transactions display in CardValet?

CardValet only shows the transactions that are performed with your card. It does not show the transactions that are done on the account without using your card, such as teller transactions or bill pay on an account.

Why are balance inquiry transactions generated when I log on to the CardValet app?

When you log on to the CardValet app, a Balance Inquiry transaction is performed to retrieve and display the balance. A balance inquiry is performed on every account listed in the cardholder record. The app will not initiate more than one balance inquiry within 30 minutes even if you press the Refresh button.

Will the balance be updated to include teller transactions in my CardValet app?

Your balance will be updated to reflect teller transactions if the account processor supplies the updated balance. The balance is updated the next time you log into CardValet.