Checking accounts made easy!

No matter how you choose to manage your money, we have a checking plan that’s right for you.

The comparative grid below may better help you decide which checking product best fits your needs.

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Branches and ATMs

Making the switch has never been so easy! Come on over to Heartland...

Product Features Heartland
Free Checking
Heartland
Basic Checking
Heartland
Advantage Checking
Heartland
Premium Checking

Interest Paid

 

 

Checkmarkw/ $500 balance

Checkmarkw/ $2,500 balance

Minimum Opening Deposit

$50

$50

$100

$100

Minimum Daily Balance to Avoid Maintenance Charge

 

$600

$100

$600

Monthly Maintenance Charge
(if below minimum)

 

$7

$10

$7

Transaction Charge
(waived with $1,000 minimum daily balance)

 

$0.30
per debit item when
you exceed 20 items
per statement cycle

 

$0.30
per debit item when
you exceed 20 items
per statement cycle

Additional Benefits

 

 

First set of checks free

First year Safe Deposit Box
rental free*

Free Cashier's Checks

 

View Account Details View Account Details View Account Details View Account Details

* Size 3x5 or receive an equivalent credit towards a larger size Safe Deposit Box.

Heartland Free Checking

Interest Paid:  

Minimum Opening Deposit:

$50

 

Minimum Daily Balance to Avoid Maintenance Charge:  

Monthly Maintenance Charge if below minimum:  

Transaction Charge waived with $1,000 minimum daily balance:  

Additional Benefits:  

View Account Details

Heartland Basic Checking

Interest Paid:  

Minimum Opening Deposit:

$50

 

Minimum Daily Balance to Avoid Maintenance Charge:

$600

 

Monthly Maintenance Charge if below minimum:

$7

 

Transaction Charge waived with $1,000 minimum daily balance:
$0.30 per debit item when you exceed 20 items per statement cycle

Additional Benefits:  

View Account Details

Heartland Advantage Checking

Interest Paid:
w/ $500 balance

Checkmark

Minimum Opening Deposit:

$100

 

Minimum Daily Balance to Avoid Maintenance Charge:

$100

 

Monthly Maintenance Charge if below minimum:  

Transaction Charge waived with $1,000 minimum daily balance:  

Additional Benefits:
First set of checks free
First year Safe Deposit Box rental free*

View Account Details

Heartland Premium Checking

Interest Paid:
w/ $500 balance

Checkmark

Minimum Opening Deposit:

$100

 

Minimum Daily Balance to Avoid Maintenance Charge:

$600

 

Monthly Maintenance Charge if below minimum:

$7

 

Transaction Charge waived with $1,000 minimum daily balance:
$0.30 per debit item when you exceed 20 items per statement cycle

Additional Benefits:
Free Cashier's Checks

View Account Details

* Size 3x5 or receive an equivalent credit towards a larger size Safe Deposit Box.

All of our checking accounts include these FREE convenient features:

 
Visa Debit Card

Visa® Debit Card

Enhanced protection from EMV chip technology

Online and Mobile Banking

Online & Mobile Banking

Bank anywhere at any time

Bill Pay Icon

Bill Pay Services

Set up one-time and auto-recurring bills

Mobile Deposit Icon

Mobile Deposit

A safe and secure way to deposit checks

Direct Deposit Icon

Direct Deposit

Deposit your paycheck electronically

Money Pass Icon

MoneyPass® ATMs

Use of more than 33,000 ATMs nationwide

eStatements Icon

eStatements

Secure delivery of account information