What should I do if I suspect my card/account number has been compromised?

You should always review your account activity and recent transactions to be certain that they are yours. Verify that a single, unfamiliar charge is not an error by contacting the merchant. Report any suspicious transactions to us immediately at 1-800-697-0049 or by visiting your local branch. You can view your account statements online anytime at Heartland.Bank or via the Heartland Bank Mobile Banking app. You will not be held liable for fraudulent charges on your account if they are reported in a timely fashion.

What can I do to protect my card and account information?

  • For added protection, sign up for Card Valet, a free service that monitors debit and credit card transactions and sends alerts regarding your card activity
  • Always know where your card is - call us immediately if lost or misplaced
  • Monitor your account activity regularly to help identify fraud
  • Consider signing up for eStatements to help reduce the risk of mail fraud

What should I do when I receive my new card after a data breach?

  • For recurring payments or service providers who have your old card number on file, provide those companies with your new card number and expiration date
  • Destroy your old card and activate your new card immediately with your new Personal Identification Number (PIN)
  • Consider a new PIN
  • If you notice any unfamiliar charges on your account, please contact us immediately.

There seems to be card breaches all the time. How do I know if my card has been affected?

Although card account data may be compromised in any incident, it does not mean that data related to your account was taken, or that fraud has occurred on your account. Please be assured that we are actively monitoring the activity on your account and continuing to work to protect you from fraud. As always, please review your monthly and/or online statement carefully and notify us immediately if you see any suspicious activity.

Should I cancel my card after a data breach?

If we are notified that your card may have been compromised, Heartland Bank may reissue your card to you automatically. It is important to monitor your account activity and report any suspicious activity immediately. If you would like to have your card reissued for peace of mind, you may do so by calling 1-800-697-0049

If a data breach occurs, will I automatically receive a new debit/credit card?

If your card is identified as one that may have been compromised due to a data breach, a replacement card may be reissued to you. At your request, a new card can also be reissued as an extra precaution by calling Client Services at 1-800-697-0049.  There is no charge to have your card reissued.

Should I reset my PIN after a data breach?

If you receive a new card due to a data breach, you should choose a new PIN on the reissued card as an added layer of protection.

What are you doing to protect my personal account information?

Working with Visa, Heartland Bank offers consumers multiple layers of security protection against fraud. Please review your monthly and/or online statement carefully and contact us immediately if you see any suspicious activity.

What should I be doing to protect my personal information?

  • Review your bank statements monthly
  • Let us know if your phone number changes
  • Monitor your account balances and transactions
  • Contact us immediately if your card is lost, stolen or subject to fraud
  • Memorize your PIN and never share it
  • Always keep your receipts
  • Cross out all blank spaces on debit slips including tip lines
  • Know your limits as we may limit daily purchases and withdrawals for your protection
  • Scrutinize ATMs for suspicious skimming devices
  • Tell us when you plan to travel and where
  • FYI: the Electronic Funds Transfer Act protects consumers from losses due to debit card fraud if you report fraud in a timely fashion