As part of the online application process, we will ask you to provide personal information, such as your Social Security number, date of birth, current mailing address and email address. In addition, you will need to provide an image of a valid form of ID: US Driver’s License, State ID, Military ID, or Passport. You will be asked to provide your electronic consent to disclosures and your electronic signature.

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.

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.

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.

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.

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.

Please call 1-844-202-5076 to report a lost or stolen card.

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.

• 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.

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. 

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.

New checks can be re-ordered through Online Banking.   Click on the “Other Services” tab, and then choose the “Reorder Checks” tab, both located in the blue bars at the top of the page in Online Banking.

Heartland Bank's Routing number is 044109336. 

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.

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.

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.

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

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

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.

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

Yes, the Card Details screen displays the Card Status.

No, CardValet currently supports debit and credit cards.

The app automatically logs you off in 10 minutes.

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

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

We are currently not able to display these fields.

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.

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.

There is no limit.

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.

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.

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

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.

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.

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.

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.”

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.

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

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.

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

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.

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

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.

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

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.

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.

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

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.

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.

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.

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

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.

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.

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

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.

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.

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.