Overdraft Protection Services

Protecting your accounts when an overdraft happens!

Forget something? We’ve all been there – forgot about that check you wrote last week, forgot to check your balance before going to the store – checking account balance errors are possible. With Heartland Bank’s Overdraft Protection on your account, these mistakes can be managed without returning your overdrawn checks.  We even have an option to request Automatic Transfers for those unfortunate 'oops' events! 

Still have questions? We have answers:

  • For accounts that qualify, you are given the option of $100 Overdraft Protection limit
  • We will consider, without obligation on our part, payment of your reasonable overdrafts, up to your Overdraft Protection limit, on the following types of transactions - checks, automatic bill payments, electronic transfers, preauthorized automatic debits, ATM transactions (included for business accounts, consumer accounts must opt-in) and debit card purchases (included for business accounts, consumer accounts must opt-in)
  • Your account must be in good standing for this protection
  • Our Overdraft Protection is a non-contractual courtesy, not a loan, which we can withdraw at any time
  • Non-sufficient funds per item fee is $31.00 – no monthly fee
  • Each day following that an account is still negative, you would be charged a $5 extended overdraft fee
  • Notices of NSF will be mailed to customers – on occasions, we may call or send reminders
  • Any deposits to the account will automatically be applied to your overdraft balance with repayment expected immediately; depending on the situation, you may have up to 30 days to pay any overdraft balances
  • If you exceed the Protection Limit, the items may be returned not paid
  • If an outstanding overdraft ages for 10 days, we may suspend your overdraft protection
  • We have the right to revoke the overdraft protection if you cannot bring your account positive within 30 days