Does Mobile Banking work with all wireless carriers?

Yes. There are no restrictions on cell phone carriers.

If I don’t have a data package or internet access on my mobile device, can I still use Mobile Banking?

Yes. If your mobile device is set up with SMS text message service, you can still interact with Mobile Banking through text messages.

Is Mobile Banking secure?

Yes. Mobile Banking uses the same multi-factor authentication security as your Online Banking account. You will be asked to answer one of your Online Banking security questions every time you log in to Mobile Banking because most cellphone browsers can’t store cookies.

Are transfers made between Heartland Bank accounts via Mobile Banking immediate?

Yes. Transfers made via Mobile Banking are immediate.

What if I need help?

Please email us at or call Client Services at 1-800-697-0049.