How do I make a Heartland Bank credit card payment?

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

Will my card number change?

Yes.

Where can I use my new chip card?

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.

Will chip cards prevent third-party data breaches?

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.

What is a chip card?

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.

What if I have recuring payments set up on my card?

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.

What if I have questions about my new Visa chip card?

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

What do I need to do when I receive my new card?

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

What if I go to a merchant but they have not yet installed chip enabled terminals?

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.

Is an EMV card the same thing as a chip card?

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

Do I need a Pin to make a purchase with my debit card?

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.

Do I need a PIN to make a purchase with my credit card? What is Chip & Signature and Chip & 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.

Are chip cards more secure?

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%.

How can I download the Statement Backer so that I can balance my checkbook?

Our Statement Backer is available for download for your convenience.

How long will it take for an external transfer to take place?

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.)

When do the limits for external transfers reset?

External transfer limits are reset on the first day of every month.

Where can I find the transaction limits for external transfers?

The transaction limits for external transfers can be found inside the Online Banking system at the bottom of the “Transfers” page.

How do I verify the External Account?

Access your external account and write down the two micro deposit amounts. Return to your Heartland Bank Online Banking and click the Transfer > Recipients tab to view the Manage Recipients page. Click the “verify” link next to the external account you wish to verify. Enter the two micro deposit amounts in the “Amounts” fields and click the “Verify” button. If the correct amounts are entered, the external account will change to a verified status. If the amounts are incorrect, Online Banking will display a message and require you to repeat the verification steps. Note: You are allowed a maximum of 3 verification attempts.

You have 7 calendar days to complete the verification process.

When will the micro deposits appear in the external account?

The micro deposits will appear in your external account a couple of business days after the external account is set up in Online Banking.

Is there a fee to send external transfers?

There is no fee for retail customers to transfer funds to/from an external account. Business customers will be charged a $5.00 per transfer fee when transferring funds to/from an external account.

How do I add an external account?

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.

Do I have to enroll in mobile banking to receive the OTP in a text message?

  No, but you must enter your cell phone number during the OTP enrollment process to receive the OTP in a text message.

What is One-Time Pin (OTP)?

One-Time Pin (OTP) is a layer of security to protect your account and mitigate any potential financial loss by fraud. You are required to enroll in OTP the first time you login. Every time you submit an external transfer request, you will be required to get an OTP to complete the transaction. The OTP can be sent as an automated call, text messages or email. 

What are Micro Deposits?

Micro Deposits are automated processes used to verify external account transfer capabilities for a retail customer. These external accounts are verified by an initial transfer of two small “micro” deposit amounts over two or three days. This process allows the customer to add external accounts safely without having to contact the Financial Institution directly.

What are your current branch locations and contact information for them?

What if I don't have perfect credit?

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.

How do I apply for a Heartland Bank credit card?

Click here to apply for a credit card online.

Can I do all my banking at Heartland?

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.

How do I install Trusteer Rapport?

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

Is there a way to easily move my checking account from another bank to Heartland?

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

How can I tell that Trusteer Rapport is working?

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.

Which browsers and operating systems are supported by Trusteer Rapport?

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

What is the bank’s holiday schedule?

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

What is the stock symbol for Heartland Bank?

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.

How do I make a Heartland Bank loan payment?

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
6687 E. Main Street
Reynoldsburg, OH  43068

Is my loan payoff amount the same as my current balance?

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.

How do I find out a Heartland Bank loan payoff amount?

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

Where do I send my loan payoff?

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
6687 E. Main Street
Reynoldsburg, OH  43086

Where can I find Heartland Bank’s current loan, line of credit and mortgage rates?

For the most accurate rate information, click here.

I can’t see the Trusteer Rapport icon next to the address bar - what does that mean?

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

Why might the Trusteer Rapport icon not appear on my Mac?

  • 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. 
     

Are there any known conflicts between Trusteer Rapport and other security products?

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.

Why can't I protect new websites in Google Chrome?

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.

How can I verify the Google Chrome Rapport extension is installed and enabled?

  • 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.

How do I enroll in Online Bill Pay?

You must be enrolled in Online Banking to use the Online Bill Pay function.  Not sure how to officially enroll? From our homepage, www.Heartland.Bank, click on the Enroll in Online Banking link in the blue Login Box and simply complete the application.

How do I add a company/biller to Bill Pay?

Click on Bill Payments and you’ll be directed to the Payment Center.  Click Add a Company or Person and follow the prompts.

Are bill payments guaranteed to arrive on time?

Online Bill payments are guaranteed to arrive on time in the event that the “due date” you requested is at least five business days prior to the actual due date indicated on your bill and that all pertinent payee information has been entered correctly into the system.

What if a scheduled online bill payment arrives late and I am assessed late fees/finance charges?

Online Bill payments are guaranteed to arrive on time in the event that the "due date" you requested is at least 5 business days prior to the actual due date indicated on your bill, and that all pertinent payee information has been entered correctly into our Online Bill Pay system. In the event that a payment meeting these requirements does not post on time, you will be reimbursed for late fees/finance charges not to exceed $50.

When does the money get withdrawn from my checking account for a Bill Pay payment?

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.

Are all my payments sent electronically?

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.

When does a biller receive my payment?

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.

How can I stop a scheduled payment?

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 in the Payment Center, click the “Cancel” link located to the bottom right of the bill to be canceled. In the event the bill has already started processing or been processed, this area of the page will show "Processing" and changes are no longer allowed.

Will the payments appear on my bank statement each month?

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

What are eBills?

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.

Can all of my bills be presented with eBills?

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 an eBILLS invitation under the billers name and an eBills link to the bottom right of the biller’s section indicating that eBills are available for this bill.

How do I uninstall Trusteer Rapport?

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.

Does Mobile Banking work with all wireless carriers?

Yes. There are no restrictions on cell phone carriers.

How do I get enrolled for Mobile Banking access?

Frist, you must be enrolled in Online Banking.  If you are, simply log in to Online Banking and select the Mobile Banking.  Read and accept the disclaimer, complete the required information, then click “Enroll.”

I lost my cellphone. How do I stop access to Mobile Banking?

Log in to Online Banking and select Mobile Banking. Then make your choice as to “Disable” or “Un-enroll” from Mobile Banking.

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 think my Mobile Banking has been compromised and it is after hours?

You can disable or un-enroll your Mobile Banking access from your Online Bank account by logging into Online Banking and selecting Mobile Banking.

What is the difference between Un-enroll and Disable mobile access?

“Un-enroll” will delete your Mobile Banking information from the system and you will be required to enroll again if you want to use the Mobile Banking feature. “Disable Mobile Access” simply disables the use of Mobile Banking, but retains your Mobile Banking information on the system. After you disable your mobile access, the button will change to “Enable Mobile Access” in Online Banking.

What if I need help?

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

Is Heartland Mobile Deposit safe?

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.

How do I deposit a check via the Heartland Bank mobile app?

  • Choose Deposit from the menu listing
  • Choose Deposit Check on the screen
  • Select the checking account into which you want to deposit the check
  • Enter the amount of your check
  • Endorse the back of your check with your signature and For Mobile Deposit Only
  • 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

What are the cut-off times for Heartland Mobile Deposit?

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

Why am I unable to deposit my check?

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

Why do I receive SMS text message errors when I try to request my account balance or transactions?

Mobile Banking’s SMS text message service requires each account in Online 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 Banking, use only alpha and numeric characters. Keep them short as you will be using them to text.

I have an auto-signature attached to each of my sent text messages. Will my signature cause errors when texting commands to Mobile Banking?

Yes. The system will think the signature is part of the account nickname and return an error. Disable the text message auto signature feature before you send text inquiries to Mobile Banking.

Are SMS text commands case-sensitive?

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

What should I do if I don’t get a response to a SMS text request?

Confirm that you sent your request to 469228.  Be sure to check keywords and any additional information required (nickname, command, etc.).

What if I find a suspicious transaction on my monthly statement?

To dispute suspicious items on your credit card, please call the Customer Service telephone number on the back of your card, 1-844-267-27441.  Any other questions can be directed to the Heartland Bank Client Services department at 1-800- 697-0049 during normal business hours.

How can I enroll my credit card in online access?

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.

How do I view my account activity online?

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.

Can I pay my Heartland Bank credit card bill online?

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

Does the Heartland Bank credit card offer rewards points?

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.

How can I register for the new rewards program?

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.

Is there a cost or fee to participate in the UChoose Rewards program?

No. The uChoose Rewards program is free.

How do I earn points?

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.

Where can I view my total points?

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.

How long are points valid for?

Points are valid for three years from the date earned.

Do I need to re-register on the uChoose website each time I receive a new card number?

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.

Do I use the same login credentials in the mobile app that I set on the website?

Yes.

Why are rewards not showing in my online banking?

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

Can I combine points from multiple Heartland Bank credit cards?

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

How can I find out when my points will expire?

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

How many points do I earn for transactions?

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

Have points been accumulating even if I did not register right away?

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

Where do I call to inquire on rewards points?

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

How can I redeem rewards points?

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

What are the minimum thresholds for point redemptions?

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.

How long does it take for my earned uChoose Rewards points to appear on my account?

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.

What happens to my points in the event that my card is lost or stolen?

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.

How do I report a lost or stolen credit card?

Please call 844-267-2744.

How does Heartland protect my personal account information?

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.

After a card breach, should I cancel my card?

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.

What is an eStatement?

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.

Why should I enroll in eStatements?

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

Do I need to sign up for Online Banking in order to have access to eStatements?

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

How do I enroll in eStatements?

  • Log into your Online Banking account
  • Select Statements
  • Click on “Manage eStatement Preferences”
  • Click “Edit” and make the desired changes for each of your listed accounts
  • Select “Submit”

Select “Accept”

When can I view my eStatements?

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

Is there a fee for eStatements?

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

Do I need a new password or Login ID to access my eStatements?

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

Will my eStatements look the same as my paper statements?

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

Will I be able to print my eStatements?

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

How do I change back to paper statements?

  • Log into your Online Banking account
  • Select Statements
  • Click on “Manage eStatement Preferences”
  • Click “Edit” and make the desired changes for each of your listed accounts
  • Select “Submit”
  • Select “Accept”

What is Popmoney?

Popmoney allows you to Pay Other People (POP) anywhere, anytime, through the Bill Payments feature in Online Banking.

How does the service work?

You can send money using only the recipient's email address, mobile number or bank account. First, you will be prompted to enter basic information:

  • add a contact
  • dollar amount
  • desired date to send the payment

Once you confirm the payment transaction, an email notification will be sent to the recipient with instructions on how to accept the payment.

Do I have to be enrolled in Online Bill Pay to access Popmoney?

Yes, once you are enrolled in Bill Pay, you will see a Popmoney tab for access to the service.

Are there daily / monthly dollar limits for sending payments via Popmoney?

Yes, Popmoney displays the individual daily and monthly limit information for you.

Is there a minimum payment amount?

$5.00 is the minimum payment. 
As a security feature for payments of $100.01 or larger sent to an email address, the recipient is asked to verify ownership of their phone number when receiving and depositing the payment.

Is there a fee?

There are no fees to send or receive money.

How much time does the recipient have to accept the payment?

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

What if a payment is unclaimed?

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.

What are the processing cutoff times?

All Popmoney payments will be processed as next day payments when they are sent to an email address, mobile number or to a receiver who has automatic deposit enabled, provided that the payments are scheduled prior to 7pm PST (Pacific Standard Time).

How do payments process?

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.

What if there are insufficient funds on the Send Date?

If a payment is returned due to insufficient funds, a second attempt to debit the account will occur. If the payment is returned a second time, Popmoney and Online Bill Pay will be frozen, and you will receive instructions to call Popmoney at 855.237.7247.

How do I enroll in Online Banking?

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

How do I enroll in eStatements?

Just follow these easy steps:

  • Log in to your Online Banking account
  • Select Statements
  • Select Manage eStatements
  • Select “Edit” and make the desired changes for each of your accounts listed
  • Select “Submit”
  • Select “Accept”

How do I view and print eStatements?

Just follow these easy steps:

  • Log in to your Online Banking
  • Select Statements
  • Select the date range to view, or leave the default dates to access the last 12 statements
  • Select the desired statement
  • To print the statement, click the print icon in the upper right corner of the page

What do I do if I forget my Login ID?

Call Client Services at 1-800-697-0049 during business hours to re-set your Login ID.

How do I change my email or mailing address?

Just follow these easy steps:

  • Log in to your Online Banking account
  • Select Other Services
  • Update any desired contact information
  • Select “Submit”
  • Select “Confirm”

What do I do if I forget my Password?

Click on the ‘Forgot Password’ link in the Login Box on the home page of www.Heartland.Bank.  A temporary password will be sent immediately to the email address on file.

How do I re-order checks online?

  • Log into your Online Banking account
  • Select Other Services
  • Select Re-order Checks and you’ll be redirected to the Harland Clarke website to complete your order

How can I place a stop payment on a check or ACH transaction?

  • Log in to your Online Banking account
  • Select Other Services
  • Select Stop Payment and fill out the requested information

How do I transfer money between Heartland Bank accounts via Online Banking?

  • Log into your Online Banking account
  • Select Transfers
  • From the drop-down menu, select the account you’d like to transfer from
  • From the next drop-down menu, select the account you’d like to transfer to
  • Enter the amount of the transfer
  • Enter the transfer date
  • From the drop-down menu, select the frequency
  • Click “Submit”
  • Click “Confirm”

How do I transfer money between a Heartland Bank account and a non-Heartland bank account?

  • Log into your online Banking account
  • Select Transfers
  • Select Recipients
  • Click “Add a Recipient”
  • Click “An account at another Bank or Credit Union”, then click “Next”
  • Accept the Terms & Conditions by clicking “Agree”
  • Read the ‘An Account at Another Bank’ message box explaining the micro-deposit process
  • Enter the information for each required field
  • Click “Create”

When will the transfer be applied to the receiving account?

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 4:00 p.m. EST to be included in that business day’s transactions.

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?

  • 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?

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?

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

What do I need to open an account online with Heartland Bank?

As part of the online application process, we will ask you to provide personal information, such as your Social Security number, date of birth and current and former mailing addresses.  In addition, you will need a copy of a valid form of ID: US Driver’s License, State ID, Military ID, or Passport. In addition to providing a copy of your valid ID, you will be asked to complete, sign and return your signature card to Heartland Bank.

Mail the above mentioned documents to the address below, or drop them off at your local office:
Heartland Bank
Client Services
850 N. Hamilton Rd
Gahanna, OH 43230

How do I deposit funds into my online account?

Upon 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 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 sign a signature card and send copies of photo IDs of both applicants.

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.

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 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.

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 90 days, click on the link provided in the history or select “View Checks” in the blue bar.

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 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 app?

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

What does password reset token mean?

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

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 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.

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 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 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 the card on multiple devices, 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. 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 the 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? 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.

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?

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?

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

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?

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

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, 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 have set an alert for international transactions and no controls are set, will I receive alerts for all 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, 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.

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?

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?

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

A threshold limit of $50 has been set 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, 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 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?

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.

Fixed rate or an adjustable rate (ARM)?

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.

How can I Pre-Qualify?

  • Online prequalification
  • Complete the Mortgage Inquiry online form
  • Call our Mortgage Department at 614.552.0511
  • 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.

What is an appraisal?

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.

Why should I refinance?

  • 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

Do I need a property/home appraisal?

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.

Will I receive a copy of the appraisal?

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

What does "market value" mean?

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.

What is a comparable sale?

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.

How fast will I get my funds?

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.

What is the difference between interest rate and APR?

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.

What is pre-paid interest?

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.

How do I cover my closing costs?

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.

Explain closing costs?

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.

What are my monthly payments based on?

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

Is a down payment required?

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.

Explain PMI?

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.

How can I lock-in my interest rate?

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.

What is the LTV ratio?

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.

How do I know what my prospective home is worth?

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.

Is mortgage interest tax deductible?

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.

What factors will determine if I am approved for a loan?

Our underwriting department will look at:

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

What determines my interest rate?

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

What is Escrow?

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.

Is Escrow required on my loan?

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

  • Loan program chosen
  • Down payment amount

What bills are paid out of an Escrow?

  • 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.

How will you determine how much my property tax and insurance payments will be?

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.

Will the monthly amount you collect for my escrow account change?

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.

Are my depository funds FDIC insured?

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/.

What is the FDIC?

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.

What kind of career opportunities do you have available at Heartland Bank?

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

How do I export history into Quickbooks, Quicken or other accounting software?

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

  1. Access your account through Online Banking
  2. Select Export History
  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.

How far back can I go when exporting history to my accounting software?

You can go back 90 days when exporting history from your Heartland Bank online banking to your accounting software.

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