Personal Checking Accounts

Heartland Free CheckingNo Minimum Daily Balance Free Open an account online

Heartland Basic CheckingRe-establish a Banking Relationship Maintenance Fee Minimum Daily Balance 20 Free Items

  • This account can be used to re-establish a banking relationship
  • $7 monthly maintenance fee (waived with $600 minimum daily balance)
  • 20 free debits per statement cycle; thereafter, $.30 per debit (waived with $1,000 minimum daily balance)
  • Free Convenient Features

Heartland Advantage CheckingEarns Interest Minimum Daily Balance Maintenance Fee Open an account onlineFree Checks Safe Deposit Free

  • Interest bearing with $500 minimum daily balance
  • $10 monthly maintenance fee (waived with $100 minimum daily balance)
  • First order of basic checks free of charge
  • Safe Deposit Box rental fee waived for first year (size 3x5 or receive an equivalent credit towards a larger size)
  • Compare Rates
  • Free Convenient Features

Heartland Premium CheckingEarns Interest Minimum Daily Balance Maintenance Fee Open an account online20 Free Items Free Cashier's Check

  • Interest bearing with $2,500 minimum daily balance
  • $7 monthly maintenance fee (waived with $600 minimum daily balance)
  • 20 free debits per statement cycle; thereafter, $.30 per debit (waived with $1,000 minimum daily balance)
  • Free Cashier’s Checks
  • Compare Rates
  • Free Convenient Features

To open specialty accounts such as Public Funds, Account Analysis, IOLTA/IOTAs, Trusts & Estates  Click Here

Key for Personal Checking icons in tables

1 Annual Percentage Yield (APY). Minimum opening deposit is $1,000. Minimum balance to earn interest is $0.01. Minimum balance to earn promotional APY is $50,000.00. This is a tiered rate account. The promotional APY of 1.75% is available for the following tiers: $50,000 - $99,999 and $100,000 - $499,999.99. The promotional APY for the tier of $25,000 - $49,999.99 is 1.25% APY. Regular rates apply to the following tiers: $0.01 - $9,999.99 is 0.01% APY; $10,000.00 - $24,999.99 is 0.02% APY; and $500,000 + is 0.05% APY. The promotional rate to applicable tiers is guaranteed for 180 days from the day of account opening. After 180 days, the rate may change at any time as the Heartland Bank Money Market Savings Account is a variable rate account. To qualify for the promotional rate, the opening deposit must be from funds not currently on deposit with Heartland Bank. Limit one (1) promotional Money Market Savings Account special per household per six (6) months. APY accurate as of 08/01/2022. Fees may reduce earnings. Accounts closed less than 180 days from date opened will be charged an early close fee of $25.00. Personal accounts only.

2 Annual Percentage Yield (APY). Minimum balance to open and maintain the advertised 12 month APY of 2.00% is $5,000. APY is accurate as of August 1, 2022. Maximum deposit is $250,000. Please see your local branch office for disclosure information regarding terms and conditions. Penalty may be imposed for early withdrawal. Rates are subject to change at any time. No brokers please. Limited time offer. Limited to one per household. Not valid with money currently on deposit at Heartland Bank. Personal accounts only.