Log in to Online/Mobile Banking, under the main menu on the left, click Settings > Security Preferences. On the Security Preferences page, choose the option of Change Password, Change Login ID or Secure Delivery. Follow the on-screen instructions and be sure to click the blue bar at the bottom to submit the changes.

A "pay from" account can be edited by accessing "My Account" in the blue bar of the Pay Bills home screen. In the "Pay from accounts" box, click on the "View Account" link and then click the "Edit pencil" to make changes including setting a default account.

5:00 p.m.

When the recipient uses their debit card to accept the funds, it is real time. If they choose to accept funds in their checking account, it can take up to 5 business days.

In your Online/Mobile Banking go to:

• "Services" tab, then click on "Text Enrollment" and follow the instructions
• Then go to "Settings" and then "Account Preferences" 
• Here you will need to enable each account that you want on Text Banking
• You will also need to establish text nicknames for ech of those accounts - these are limited to FOUR characters only! 

A.  Pay bills with bill pay - pay a company or an individual

B.  eBills - after adding a payee, you will have the option to have your bills presented within your Heartland Online Banking, with notifications when they are due

C.  Pay A Friend - a new person-to-person payment service

D.  Loan Payments - choose how you want your payment applied

E.  Biller Direct -instantly pay your bills using your debit or credit card

F.  Heartland Transfer - Transfer money to another Heartland account holder

G.  External Transfer - Add accounts you own at other banks in order to transfer to or from

H. CardSwap - easily update and change how you pay at popular online retailers.

You might have to contact your IT department to allow access to our new Online Banking site.

In your Online Banking, click on one of your listed accounts, then choose the Details tab under the account name.  The account number, along with many other helpful items, will be listed on the page for your convenience.

You will be able to review 12 months of history in your mobile app.

In your Online Banking, go to Settings>Account Peferences>scroll to account>remove account.

The micro deposit verification expires after 14 days.

To pay off a mortgage or personal loan (auto, boat, RV, HELOC, etc.) contact the Loan Operations Department at 614-552-0511; request a payoff in person; or download the request form below, complete the form online, then submit the form via email to Loan.Servicing@Heartland.Bank. We need signed borrower's authorization to release it to a 3^rd party.

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.

Heartland Bank will be closed in observance of the following holidays listed below:

• New Year’s Day
• Martin Luther King Day
• President’s Day
• Memorial Day
• Independence Day
• Labor Day
• Columbus Day
• Veterans Day
• Thanksgiving Day
• Christmas Day

• Capitol Square: 101 S. High Street, Columbus, OH 43215 
• Clintonville: 4476 North High Street, Columbus, OH  43214 
• Croton: 12 North Main Street, Croton, OH 43013 
• Dublin: 6500 Frantz Road, Dublin, OH 43017
• Ft. Mitchell: 2500 Chamber Center Drive, #100, Ft. Mitchell, KY  41017 
• Gahanna: 850 North Hamilton Road, Gahanna, OH 43230
• Grove City: 2365 Old Stringtown Road, Grove City, OH 43123 
• Hilliard: 3971 Main Street, Hilliard, OH 43026 
• Johnstown: 730 West Coshocton, Johnstown, OH 43031 
• Newark: 44 West Locust Street, Newark, OH 43055 
• Pickerington: 421 Hill Road North, Pickerington, OH 43147 
• Reynoldsburg: 6887 East Main Street, Reynoldsburg, OH 43068 
• Stygler Road: 67 North Stygler Road, Gahanna, OH 43230
• Union: 8735 Old US Hwy 42, Florence, KY  41042
• Upper Arlington: 1800 W. Lane Avenue, Upper Arlington, OH 43221
• West Columbus: 130 North Wilson Road, Columbus, OH 43204
• Westerville: 450 South State Street, Westerville, OH 43081 
• Whitehall: 430 North Hamilton Road, Whitehall, OH  43213 
• Heartland Bank is part of the MoneyPass Network that provides surcharge-free accessibility at over 32,000 ATMs from coast to coast.

Log in to Online/Mobile Banking, under the main menu on the left, click Settings > Security Preferences. On the Security Preferences page, choose the option of Change Password, Change Login ID or Secure Delivery. Follow the on-screen instructions and be sure to click the blue bar at the bottom to submit the changes.

Logins are alphanumeric with a minimum length of 6 characters and maximum length of 30 characters and NO special characters.

• Alphanumeric with a minimum length of 8 characters
• Must contain at least 1 number but CANNOT start with a number
• Must contain at least 1 of these special characters $  !  ~  &  =  #  @
• You cannot use your last 10 passwords

Yes, Heartland Bank’s Mobile Banking app can use the Touch ID security if you have Touch ID enabled on your mobile phone. 

Make sure the Remember Username option is enabled on the login screen of Heartland Bank’s mobile app.

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.  Those transactions should use the existing Pay a Friend feature.

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.)

Yes.

You can use your new chip card anywhere Visa is accepted. You simply insert the card into card terminals that are chip-enabled or swipe your card at merchant locations that have not yet switched to chip-enabled card terminals. You can also continue to use your card as you did before for online payments and telephone payments.

No. Chip card technology provides an additional layer of security when used at a chip-enabled terminal. The technology may help reduce certain types of fraud resulting from data breaches; however, it will not prevent a data breach.

Chip cards contain an embedded microchip, which provides enhanced security by making it extremely difficult to counterfeit or copy when making transactions at a chip-enabled terminal. Your chip card will also have the usual magnetic stripe on the back so that you can continue to swipe your debit card or credit card while merchants are transitioning to new chip card terminals. Chip technology is also more broadly accepted internationally.

If you have recurring payments set up on your Heartland Bank Visa, it's your responsibility to ensure that merchants are informed and that you have a new card number, expiration date and the 3 digit security code.

Please don't hesitate to call us at 1-800-697-0049.

Just like any time you get a new card, activate the card by calling the number found on the sticker.

That's OK. You will still be able to use your chip card as you do today where chip-enabled terminals are not yet installed.

Yes. Chip cards are commonly referred to as EMV (Europay, MasterCard and Visa) cards, smart cards and chip and pin cards.

Heartland Bank does not require you to use a pin with your debit card purchase; however, the merchant could make it a requirement. If you do not know your pin, please call us at 800-697-0049 and we will assist you with obtaining your pin.

No. You have a Chip & Signature card, so you should not need a PIN to make purchases with your credit card. The term 'PIN' or 'Signature' simply refers to how you will authorize the transaction - by entering a PIN or by providing your signature. When using your Heartland Bank VISA chip credit card, you'll be prompted for a signature to complete the transactions.

Yes. The chip generates a unique, one-time code each time you 'dip' your Heartland Bank Visa card at a chip-enabled terminal - this typically takes about 10 seconds. Chip card technology is already used in other countries around the world. It's been reported that chip cards and chip enabled terminals are expected to reduce debit card and credit card fraud by as much as 40%.

Our Statement Backer is available for download for your convenience.

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.

• Capitol Square: 101 S. High Street, Columbus, OH 43215 (614) 416-0244
• Clintonville: 4476 North High Street, Columbus, OH  43214 (614) 745-0070
• Croton: 12 North Main Street, Croton, OH 43013 (740) 893-2191
• Dublin: 6554 Longshore Steet, Dublin, OH 43017 (614) 798-8818
• Ft. Mitchell:  2500 Chamber Center Drive, #100, Ft. Mitchell, KY  41017  (859) 341-2265
• Ft. Thomas:  602 S. Ft. Thomas Ave., Fort Thomas, KY  41075 (859) 442-8900
• Gahanna: 850 North Hamilton Road, Gahanna, OH 43230 (614) 337-4605
• Grove City: 2365 Old Stringtown Road, Grove City, OH 43123 (614) 875-1884
• Hilliard: 3971 Main Street, Hilliard, OH 43026 (614) 710-1640
• Johnstown: 730 West Coshocton, Johnstown, OH 43031 (740) 967-6500
• Newark: 44 West Locust Street, Newark, OH 43055 (740) 349-7888
• Pickerington: 421 Hill Road North, Pickerington, OH 43147 (614) 321-4919
• Reynoldsburg: 6887 East Main Street, Reynoldsburg, OH 43068 (614) 416-0400
• Stygler Road: 67 North Stygler Road, Gahanna, OH 43230 (614) 475-7024
• Union:  8735 Old US Hwy 42, Florence, KY  41042 (859) 384-0600
• Upper Arlington:  1800 W. Lane Ave., Upper Arlington, OH  43221 (614) 502-8855
• West Columbus: 130 North Wilson Road, Columbus, OH 43204 (614) 351-2100
• Westerville: 450 South State Street, Westerville, OH 43081 (614) 839-2265
• Whitehall: 430 North Hamilton Road, Whitehall, OH  43213 (614) 416-4601

A higher credit score may qualify you for a better interest rate and more options.  We will determine if your credit scores and history shows that you have the ability to repay and are willing to repay in a timely manner.  Perfect credit is not necessary.

Click here to apply for a credit card online.

You can pay your Heartland Bank credit card online or by mailing the payment to the following address:
Visa
P.O. Box 2711
Omaha, NE 68103-2711

Of course!  Heartland Bank, founded in 1911, provides full service commercial, small business, and consumer banking services; alternative investment services; insurance services; and other financial products and services. Heartland Bank is a member of the Federal Reserve, a member of the FDIC and an Equal Housing Lender.

On our website, go to Personal menu and select Protect Yourself. Under the Trusteer section, choose Click here for more information.

Download our Switch Kit to get the process started and if you still need help, please contact your local Heartland Bank branch.

You should have a Trusteer Rapport icon in your browser's address bar. It will be a small box that is green or grey. For a webpage that is protected by Rapport, the icon will be green and for an unprotected page, the icon will be grey.

Windows Operating Systems - On Windows Vista, 7 (SP1), 8, 8.1, 10 and Server,
IBM Security Trusteer Endpoint Protection (Rapport) supports:

• Internet Explorer 8, 9, 10
• Internet Explorer 11 - on Windows 7, 8.1, 10
• Google Chrome 49 (Vista only)
• Google Chrome 56, 57, 58
• Firefox (32bit) 51, 52, 53
• Firefox ESR (32bit) 45, 52
• Microsoft Edge with EdgeHTML 12, 13, 14

Mac OS X - From Mountain Lion (10.8) to Sierra (10.12),
IBM Security Trusteer Endpoint Protection (Rapport) supports:

• Safari 7, 7.1, 8, 9.1, 10
• Firefox (64bit) 50, 51, 52
• Firefox ESR (64bit) 45, 52

Heartland BancCorp is a registered Ohio bank holding company and the parent of Heartland Bank.  Heartland BancCorp is currently quoted on the OTC Markets (OTCQB) under the symbol HLAN.

You can make a payment on a Heartland Bank loan in any branch, by submitting a transfer through Online Banking or by mailing the payment to the following address:

Heartland Bank
Loan Operations
430 North Hamilton Rd.
Whitehall, OH  43213

Your payoff amount is how much you will have to pay to satisfy the terms of your loan and pay off your debt. Your payoff amount is different from your current balance.

For accurate payoff information, contact Heartland Bank’s Loan Operations Department at 614-552-0511.

You can submit a loan payoff at any Heartland Bank branch, by submitting a transfer through Online Banking or by mailing the payment to the following address:

Heartland Bank
Loan Operations
430 North Hamilton Rd.
Whitehall, OH  43213

For the most accurate rate information, click here.

If the Rapport icon is no longer visible:

• You may have removed the icon – either go to www.trusteer.com for support or locate the setting under the Trusteer Endpoint Protection program on your computer, then Trusteer Endpoint Protection Console.  Next go to Address bar icon click show. Restart your browser (close all open browser windows and open a new window).
• Your browser may not be supported – see current supported browser list at www.trusteer.secure.force.com
• Rapport is not running – go to Start then All Programs then Trusteer Endpoint Protection then Start Trusteer Endpoint Protection.
• If you still experience issues, go to the Rapport Console under Trusteer Endpoint Protection under your programs and click Report a Problem

• You might need to restart your computer after the installation/update process
• You operating system might not be supported – see question above
• If you are using PC Tools iAntivirus or Application Enhancer (found in System Preferences) – these are not compatible with Trusteer Rapport
• Your browser may be set to automatically open on start-up preventing Rapport’s insertion – go to Trusteer.com/support and type your question in the “Ask a question” navigation bar. 
   

Trusteer Rapport is fully compatible with most other security software. However, some third party products require additional action to avoid conflicts. If you need assistance, please go to Trusteer.com/support and type the above question in the “Ask a question” navigation bar.

Normally, when you click a grey Rapport icon in the browser's address bar, you're presented with the option to protect the site you’re currently browsing. If you are attempting to protect a site on Google Chrome and you receive an error type message, go to Trusteer.com/support/report-problem.

• On the browser toolbar, click the Chrome menu icon
• Click More tools and then click Extensions
• Verify that the Rapport extension if on the list and enabled
• If the extension is not installed, go to Trusteer.com/support and type “How to enable Google Chrome Rapport extension” in the “Ask a question” navigation bar.

You must be enrolled in Online Banking to use the Online Bill Pay function.  

From inside Online Banking:

• Click "Payments," then "Pay Bills"
• Complete the onscreen instructions to enroll your primary account. You can add additional accounts after the primary account has been enrolled.

• Click on "Payments" on the left
• Click "Pay Bills" 
• Click the blue box labeled "+Payee" on the left of the payments screen
• Follow the instructions to pay a company or person

The "due date" indicated on the system is the date that the bill is scheduled to arrive at its destination. There are two ways payments can be withdrawn from your account depending on who you’re paying. In most cases, funds will be deducted from your account on the pay date you specify. For some billers, such as some small businesses and individuals, a paper check may be sent. In these cases, the money will be deducted from your account at the time the biller deposits or cashes the check. This is no different than if you had written a paper check.

We cannot guarantee that 100% of your payments will be sent electronically. Some billers cannot receive payments electronically. Keep in mind that whether the payment is sent electronically or as a paper payment, the service delivers the payment to the biller on the scheduled pay date.

The biller receives the payment on or before the scheduled pay date you specified. Some billers may not always credit your account on the same day that they receive the payment. Allow for extra time in this situation so the payment is not considered late.

All online payments can be canceled before they are processed (at least 5 business days prior to the requested due date). Once the payment has been processed, additional modifications are not possible. Procedures for payment cancellation are as follows: go to Online Bill Payment: under the Pending Payment List on the Payment screen, click the “Edit” link located to the right of the bill to be canceled. Check the box that says, "I would like to stop this payment." Then click "Submit." In the event the bill has already started processing or been processed, this area of the page will show "Processing" or "Processed" and changes are no longer allowed.

Yes, all payments made through Online Bill Pay will appear on your checking account statement, displaying the date and amount of the payment.

eBills are electronic versions of your paper bills that you can receive through Online Bill Pay. An eBill comes directly from the biller to your Online Bill Pay service. You can view balances, transactions and other statement information in an eBill. Then, you can pay your bill and print it securely online through Online Bill Pay.

eBills are available from many companies, but not all companies provide their bills electronically. When one of your billers provides you the ability to view your bills online, you will see the word "Electronic" under the billers name. The biller will also appear under the eBill Connect box on the right of the screen. Click on the biller you would like to set up on eBills and follow the on-screen prompts.

For detailed support relating to your particular browser, please visit Trusteer.com/support and type the above question in their “Ask a question” navigation bar.

Yes. There are no restrictions on cell phone carriers.

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

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.

Yes. Transfers made via Mobile Banking are immediate.
 

Please email us at info@heartland.bank or call Client Services at 1-800-697-0049.

Deposits made via our mobile app are protected according to the highest financial industry standards. Security features include password protection, multi-factor authentication, internet firewalls and 128 bit encryption. Making a deposit with your phone is as safe as using Online Banking.

• Choose Deposit from the menu listing
• Choose Deposit Check on the screen
• Select the account into which you want to deposit the check
• Enter the amount of your check
• Endorse the back of your check with your signature, For Mobile Deposit Only and Heartland Bank.
• Snap pictures of the front and back of your check
• Choose Make Deposit and you will receive an onscreen confirmation that your check was deposited successfully

Acceptable cut-off times for Heartland Mobile Deposit are Monday-Thursday at 5:00 pm and Friday at 6:00 pm.

• Folded or torn corners
• Front image is not legible
• Routing and account numbers are unclear
• Image is too light or too dark

Text Banking's text message service requires each account in Online/Mobile Banking to have a nickname.  If you have not named your accounts, you will need to in order to use this service. When creating nicknames in Online/Mobile Banking, use only FOUR characters.

No.  Whether you text BAL or bal, you will receive a response with your account balance information.

Confirm that you sent your request to 226563.  Be sure to check keywords and any additional information required (nickname, command, etc.).

To dispute suspicious items on your credit card, please call the Customer Service telephone number on the back of your card, 1-844-267-2744. Any other questions can be directed to the Heartland Bank Client Services department at 1-800- 697-0049 during normal business hours.

Enroll your credit card for Online Access by visiting our homepage and clicking the arrow in the Login Box to reveal the drop-down menu.  Click Credit Cards and then click Submit.  You will then be directed to the Credit Card login page.  From there, simply look for the box that says ‘Heartland Bank Customers, Enroll Now for Online Access’.  Click ‘Enroll’ and you will be directed to the Account Authorization page and will be asked to enter your 16 digit account number from the front of your credit card.  Follow the prompts to set up security information and your username and password.

To view your statement online, simply visit our homepage and click the arrow in the Login Box to reveal the drop down menu.  Click Credit Cards and then click Submit.  You will then be directed to the Credit Card login page.  Follow the prompts to enter your username on the login page and then your password on the next page.

To pay your credit card bill online, simply visit our homepage and click the arrow in the Login box to reveal the drop down menu.  Click Credit Cards and then click Submit.  You will then be directed to the Credit Card login page.  Follow the prompts to enter your username and then your password.  Then complete the following steps: 

• Click on Bill Payment
• Enter information for a checking or savings account you wish to pay from
• Choose the type of payment you would like to make
• Enter the amount of desired payment
• Click Continue to complete the transaction

Yes. UChoose Rewards® allows you to earn rewards for every net retail purchase you make with your Heartland Bank Visa consumer credit card. Brand-name merchandise, concert tickets and travel awards are available as your rewards accumulate. Visit www.uchooserewards.com to view the offerings.

To register for rewards, you must register the card through www.uchooserewards.com. This can be accessed through a link on our online credit card page. The first time you log on to the rewards site, you will need to set up a new log-in for access to this site, but going forward, the link will take you directly to your personal rewards site.

No. The uChoose Rewards program is free.

You can earn points at a rate of 1 point per $1 spent, and the rewards are listed onwww.uchooserewards.com. Through this site, you have the ability to receive statement credit in addition to redeeming points for gift cards, tickets and merchandise. You can also earn additional points through making purchases with featured retailers listed on the uChoose rewards site.

Once you register through the rewards site, points will be listed on the uChoose rewards site. You can gain access through your credit card online banking by clicking on the uChoose Rewards icon in the lower left portion of your account page or directly through www.uchooserewards.com.

Points are valid for three years from the date earned.

Yes, for the uChoose website only, you will need to re-register each time you receive a new card number. This doesn’t apply to new cards issued with the same card account number.

Yes.

You must first enroll in the uChoose rewards program before points will show up.

No. Points are automatically merged for joint accounts, but cannot be merged across multiple cards.

If you have points set to expire, these points will be indicated on the site 90 days before the expiration date.

You will earn 1 point for every dollar spent on your personal credit card.

Yes, points are earned immediately, but will not show up until you have registered through the rewards site.

You can inquire about your point balance through Client Services 800-697-0049, but you must redeem directly through the uChoose rewards website.

You will need to create a login on the uChoose rewards site to redeem points for merchandise or statement credits.

You can redeem points for a 1% statement credit beginning at 2500 points (Example 2500 points will be $25 in statement credit). You can begin redeeming points for catalog credit at 1000 points, or $10 in value.

Once a transaction is settled by the merchant, the points earned from the transaction will be available on the first business day of the following month.

If your card has been lost or stolen, you will be issued a replacement card and your points will be automatically transferred to your new card. Once you receive your new card, you will have to re-register your new card in www.uchooserewards.com.

Please call 844-267-2744.

Working with Visa, Heartland Bank offers consumers multiple layers of security for protection against fraud. Please review your monthly and/or online statement carefully and contact us immediately if you see any suspicious activity.   We also offer a free mobile app through Card Valet that allows you to set real-time alerts, control card usage and make your card inactive on demand to help you monitor your card activity.

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.

An eStatement is an electronic version of your statement with images available online via the Heartland Bank website, www.Heartland.Bank. You can view and print your statement from your computer.

You may no longer want to receive paper statements and realize that you prefer to receive your statements through our Online Banking system. Great reasons to go paperless:

• Simple – less paper to keep track of
• Fast – you’ll receive an email notification when your statement is available
• Convenient – View and print your statements anytime

Yes, you must have Online Banking access in order to view your e-Statements.

• Log in to your Online Banking account
• Select Statements on the left
• Select Statement Delivery
• Choose the “Edit pencil” for the account to be changed
• A “Delivery Preferences” box will appear
• Select “Delivery Type” from the dropdown and click "Save."

You can log in to view your eStatements at any time! Your eStatements will be available within 24 hours after your statement cycle ends.

No. eStatements are a free service once enrolled in Online Banking.

No. Once enrolled in our Online Banking, you will have immediate access to your eStatements.

Yes. Your eStatement is exactly the same as a paper statement.

Yes. Once you open the eStatement, you will be able to print your statement just like you print any document on your computer.

• Log in to your Online Banking account
• Select Statements on the left
• Select Statement Delivery
• Choose the “Edit pencil” for the account to be changed
• A “Delivery Preferences” box will appear
• Select “Delivery Type” from the dropdown and click "Save."

Pay a Friend allows you to send money to other people anywhere, anytime through the Payments feature in Online Banking. You will need to know the recipient's email or mobile number. Initial setup requires a participating debit card.

You can send money using only the recipient's email address or mobile number. First, you will be prompted to accept the "Heartland Pay a Friend" terms and conditions.

• Before you can choose SEND on the next screen, you will need to click on "Manage Cards" and add a participating debit card(s) 
• Then choose SEND and enter the rquested information
• Choose the debit card to be used
• Click "Continue" to complete the process

Yes, once you are enrolled in Bill Pay, you will see the Pay a Friend tab for this service.

There are no fees to send or receive money.

The recipient has 10 calendar days to collect the payment. Email reminders are sent on the 3rd and 7th days.

If the payment is still unclaimed by the recipient at the end of the 10th day, you, as the sender, will receive a refund within 2 business days for the payment.

Payments will debit your account on the scheduled Send Date, and the credit will appear in the recipient's account in 1-2 business days after accepting the payment.

From our homepage, www.Heartland.Bank, click on the Enroll in Online Banking link in the blue Login Box and simply complete the application.

Just follow these easy steps:

• Log in to your Online Banking account
• Select Statements on the left
• Select Statement Delivery
• Choose the “Edit pencil” for the account to be changed
• A “Delivery Preferences” box will appear
• Select “Delivery Type” from the dropdown and click "Save."

Just follow these easy steps:

• Log in to your Online Banking
• Select "Statements," then "View Statements" on the left
• Select the account from the dropdown menu
• Select the desired Date (document type will default to PDF)
• Click "Get Statement"
• To print the statement, click the print icon in the upper right corner of the page

Go to Heartland.Bank, and in the blue login box on the left, click "Forgot Login."

Just follow these easy steps:

• Log in to your Online Banking account
• Select "Services," then "Update Contact Info"
• Choose which account to change or select all
• Update the desired information
• Click "Submit"

Click on the ‘Forgot Password’ link in the Login Box on the home page of www.Heartland.Bank.  Follow the on-screen instructions for verification using a One-Time-Pin (OTP) and then the instructions for creating a new password.

• Log into your Online Banking account
• Select "Services"
• Select "Check Reorder," read the note at the top
• If you see an account(s) listed, select the appropriate account and then you’ll be redirected to the Harland Clarke website to complete your order
• Follow the instructions if there are no accounts listed

• Log in to your Online Banking account
• Select "Services"
• Select "Stop Payment" and provide the requested information
• Click "Request stop payment"

• Log into your Online Banking account
• Select "Transfers," then "Transfer Funds"
• Enter the information requested
• Click "Transfer Funds"

• Log into 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

Transfers between checking and savings accounts must be made before 8:00 p.m. EST to be included on that business day’s transactions.  Transfers made from a checking or savings account to a Heartland Bank loan account must be submitted before 8:00 p.m. EST to be included in that business day’s transactions.

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.

• 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

• 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.

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.

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 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.

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.

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.

• 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

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.

With a fixed rate loan, the interest rate stays the same over the life of the loan. If you are committing to a forever home, a fixed rate may be the best option.

An adjustable rate mortgage has an interest rate that is fixed for a specific amount of time, then will go up or down based on an external financial index. This is a good option if you plan to sell your home before the rate becomes variable.

• Online prequalification
• Complete the Mortgage Inquiry online form
• Call our Mortgage Department at 614.490.7214
• Stop in at any Heartland Bank location

Once pre-qualified, you’ll know how much you are eligible to borrow, thus making your shopping easier. Sellers also appreciate pre-qualified buyers.

An appraisal is a property valuation completed for a fee by a licensed or certified, third party professional. It is based on the opinion of the appraiser with respect to the market value of the property being considered.

• You are interested in a lower monthly payment
• You would like a lower interest rate
• You would like an adjustable rate or a fixed rate
• You want to refinance for a higher mortgage to pay off debts or obtain cash
• You want to change the term of your current mortgage

An appraisal will be needed in almost every situation.  The market value of the home you want to purchase is set by the appraisal.  We need to be sure that the house is worth what you are requesting for a loan as it is the collateral for the loan.

Yes, as an applicant, you are given copies of all completed appraisals on the property of interest.

Market value is the amount a buyer is willing to pay for a property and the amount a seller is willing to accept for a property in the marketplace. An appraiser will give his opinion on the market value of a property.

Comparable sales are used by appraisers to determine an accurate property market value. They are properties that have recently sold with qualities similar to the property under consideration. The appraiser is responsible for choosing properties that best reflect the local marketplace and closely match the desired property.

For a mortgage, the funds are available when you close your loan. For a refinance or home equity line of credit, funds are available on the fourth business day after signing the loan documents. There is a three day waiting period when you have the right to revoke your application.

An interest rate is comparable to a fee for borrowing the funds disbursed by a loan. The APR (annual percentage rate) is the total fee including interest, points and bank fees expressed in an annual rate.

Pre-paid interest is interest paid in advance. It is the daily interest cost that begins accumulating on your loan closing date until the end of the month of your closing.

You are responsible for this amount at closing as your first monthly mortgage payment will consist of the full month’s interest of the month prior to your first payment. For example, let’s say you closed your loan mid-January.  If your first payment is due March ^1st, that payment will include the interest for February. As interest is standardly paid in arrears, rather than having a first payment that includes a month and a half interest, we collect for the partial month at closing.

You are responsible for the closing costs at the closing of your loan. Often, the seller is asked to cover a portion and you will need to cover the balance (or the full amount depending on the offer made by the seller). You can speak with your Loan Officer regarding these costs as there are times when they can be absorbed into the total loan amount.

These are costs to you for completing your loan. They can include title insurance fees, attorney fees, pre-paid interest and documentation fees. Additional fees are possible based on the specifics of the individual customer.

We provide a Loan Estimate explaining your closing costs during the application process. After approval and before closing, we will provide you with a Closing Disclosure. This document details all of the costs, credits and fees required to complete the entire loan process.

• Principal and Interest
• Mortgage Insurance (if required, often called PMI)
• Real Estate Taxes and Insurance

Most often, some form of down payment is required. Heartland Bank offers low down payment options for several mortgage programs. Program qualification depends on each individual situation and your needs.

PMI stands for Private Mortgage Insurance. It is usually required if you have less than a 20% down payment on your new property.  The monthly payment for this insurance is usually included in your monthly payment.  This can often be dropped when the lender is comfortable with the amount of equity achieved over time.

If this is your first mortgage, Heartland Bank can lock-in your interest rate once your loan is approved. Speak with your loan officer for specific details.

LTV means loan-to-value. This is calculated by dividing the mortgage amount by the property’s market value. The ratio is used to determine if PMI is required and can be used in figuring your interest rate. The market value used is the lesser of the appraisal value versus the purchase price.

Ultimately, this is determined by the appraisal.  However, you could check online real-estate resources to verify what homes in the neighborhood are selling for.  It is also possible to check local auditors' websites for recent tax information.

First, we recommend that you consult a tax advisor with questions on whether the mortgage interest will be tax deductible in your specific situation. The interest may be tax deductible, but each situation is different and must be addressed as such.

Our underwriting department will look at:

• Property value
• Credit history
• Credit score
• Your debt-to-income ratio

• Credit history and credit scores
• Daily changes in the market
• Specific individual qualifications
• Purchase or refinance
• Value of the property
• Mortgage amount

Escrow, for mortgage purposes, is a holding account with us for your taxes and any insurance premiums, including homeowner’s, flood and PMI.  It is an account where we will hold what we collect monthly to fulfill the above mentioned payments. Your annual payments for the taxes and insurance is divided by 12 and added to your monthly principal and interest amount. On their respective due dates, we will send these payments on your behalf, thus relieving you of this worry.

Escrow is not always required. Again, it often depends on:

• Loan program chosen
• Down payment amount

• Real estate taxes  
• Required insurance premiums (homeowner’s, flood insurance and/or PMI)
• Does not pay association fees, non-required insurance premiums, additional tax bills or any taxes that are non-real estate unless included on your real estate tax assessment.

Your homeowner’s insurance company will provide figures for insurance costs. For the tax portion, we will estimate the annual taxes bases on the most recent tax documents available for the property.

We will complete an annual review of the Escrow based on the anniversary date of your loan, unless we, or you as the customer, believe that there will be a significant change in the amount due, at which time we may complete a review before the anniversary date. If there are increases/decreases to taxes or insurance, we will notify you with an Escrow Account Disclosure Statement reflecting any changes.

FDIC insurance covers all deposit accounts, including:

• Checking accounts
• Savings accounts
• Money market deposit accounts
• Certificates of deposit

The standard insurance amount is $250,000 per depositor, per insured bank, for each account ownership category. FDIC insurance does not cover other financial products and services that banks may offer, such as stocks, bonds, mutual funds, life insurance policies, annuities or securities. To learn more, contact the FDIC toll free at 877-275-3342 or visit https://www.fdic.gov/deposit/deposits/.

The Federal Deposit Insurance Corporation (FDIC) is an independent agency of the United States government. The FDIC protects depositors of insured banks located in the United States against the loss of their deposits if an insured bank fails. Any person or entity can have FDIC insurance coverage in an insured bank. FDIC insurance is backed by the full faith and credit of the United States government.

Please visit our Career Opportunities page for information about employment with Heartland Bank. Heartland Bank is an Equal Opportunity Employer. 

You can export 90 days of history by following these steps:

1. Access your account through Online Banking
2. Select the icon with the arrow pointing down and horizontal line
3. Select the appropriate export format and click Submit
4. Follow the instructions on the export page to save the file and access through your accounting software.

You can go back one year when exporting history from your Heartland Bank online banking to your accounting software.