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:
Opt-in for Overdraft Protection:
In order to receive Overdraft Protection for all items, you must affirmatively “opt-in” to authorize us to consider payment of overdraft(s) on your ATM and everyday debit card transaction(s). To “opt-in” to Overdraft Protection:
- Complete the online form, or
- You may also send a written request, including your name, address, date of request, and account number(s) to us at info@heartland.bank.
Click here to view the Overdraft Protection Service disclosures.
*Personal accounts only: The maximum daily overdraft and NSF Returned Item Fees is $175/day.
** Non-personal accounts are not eligible for Overdraft Protection Services. The NSF Returned Item fee charged to return an item when money isn't available is $35 per item for Non- personal accounts.