COVID-19 Update - October 7, 2020

A message from our Chairman, President and CEO


Branch Locations | ATMs & Digital Banking | Business Owners | Learn More

To our clients:

Scott McCombOur lives have changed dramatically over the last several months as we work together to minimize the impact of the COVID-19 pandemic. We assure you, as your community bank, we are here for you. As we monitor developments and learn more about the impact of the virus, our primary concern is for the health and safety of our communities, clients, and associates.

Heartland Bank, and its parent Heartland BancCorp, are financially strong and well-positioned to support you. Since 1911, we have navigated many economic cycles without a disruption in providing clients with access to their funds, and I have complete confidence this will continue. We have earned a repeated ranking on American Banker Magazine’s list of Top 200 Publicly Traded Community Banks and Thrifts based on three-year average return on equity (“ROE”). From the perspective of our regulatory agencies, we are considered an exceptionally strong bank, including our capital ratios, which far surpass the criteria needed to be considered well-capitalized.

We have a plan in place and are prepared to withstand challenging times. The Heartland BancCorp Board of Directors, my colleagues and I are proud to have built our organization to be successful and supportive through all economic cycles. As we continue to face unknown challenges, we remain committed to continue to work to provide the resources and experience you rely upon.  I personally thank you for trusting your banking services with us through this crisis and everyday.


G. Scott McComb
Chairman, President and CEO

Our Branch Locations

As Heartland continues with our commitment to provide the recommended protection to our associates and clients, we are diligently monitoring daily updates regarding COVID-19 and following guidance from federal, state and local officials. With this daily monitoring in place, Heartland Bank has reopened all branch lobby locations, with the exception of Capital Square. Please stay tuned for more information about the Capitol Square reopen plans for later this fall.


Face coverings are mandatory during your visit inside our lobbies. Social distancing is required, and we will be operating at limited capacity, if necessary, inside all branch lobbies. For additional safety, restrooms and coffee bars will also be closed at this time. In order to keep clients safe, we are assessing staff health daily, cleaning surfaces frequently, providing accessible hand sanitizer and utilizing social distancing protocols. 


If clients have specific concerns, we encourage them to call the branch manager or a branch associate for assistance. Thank you for your understanding and cooperation.

ATMs and Digital Banking Options

Find our locations here. In addition to our Heartland ATMs, you have access to over 32,000 surcharge-free ATMs worldwide with the MoneyPass network.

We encourage the utilization of our Online Banking and Mobile App features that are accessible from the comfort and safety of your home:

Business Owners

For business owners facing financial uncertainty due to COVID-19, please contact your Heartland Bank Commercial Banker directly to discuss your current situation further. We are working with State and Federal entities to provide vehicles that offer assistance to small businesses.

Every financial situation is unique, and our team is ready to discuss how we can serve each of our clients in the best manner possible.

  • Contact your Commercial Banker here
  • Contact your local branch here
  • Contact our Client Services team: (800) 697-0049 or Info@Heartland.Bank
  • Click here for Emergency Funding information, including PPP
  • Click here for information on the Cares Act
  • Listen to the Driving the CBus Podcast, COVID-19 Resource edition, for tips from various Heartland senior leaders
    • Alyssa Booms, VP Director of Branch Banking - Consumer Banking 
    • Laurie Pfeiffer, VP Director of Commercial Banking - Small Business Solutions
    • BJ Douglas, VP Manager of Mortgage Origination - Mortgage
    • Ben Babcanec, SVP Public Funds and Wholesale Deposit Manager - Deposit Safety and Money Tips

Are you facing a financial hardship?

We are enacting hardship relief assistance for clients experiencing financial difficulty as a result of COVID-19, including the consideration of fee and penalty waivers, loan deferrals or other scenarios that may help our customers.
Please check out the specifics of our Heartland Helps Program below:

  • Vehicle payments and all other consumer term loans are available to be deferred for next 90 days with no late fees
  • Mortgage and home equity loans are available to be deferred for the next 90 days with no late fees
  • No penalty on early withdrawls on certificates of deposit
  • Repossession actions on vehicles are suspended for the next 90 days
  • Foreclosure activity on homes is suspended for the next 90 days
  • 90-day, interest-only payments are available on a case by case basis if preferred

Important Fraud Reminder:

COVID-19 could increase the activities of cyber criminals who take advantage of the public’s concerns. Criminals look for ways to gain access to your account. As a reminder, Heartland Bank will never ask its customers to provide full social security numbers, account numbers, or passwords by phone, email, or text.

Additionally, we are encouraging our clients to learn as much as possible about emerging scams and fraud attempts related to the Coronavirus Pandemic. If you suspect you have been the victim of fraud and/or your bank account or identity may have been compromised, please click on this REPORT FRAUD link. In addition, please visit our FRAUD DURING A PANDEMIC page for useful guidelines, tips, and examples to identify this activity before it’s too late!

A Message from the Federal Reserve Regarding Businesses and Households:

With changes happening daily regarding businesses and households, check out the Federal Reserve's information regarding COVID-19 resources. Contact information, FAQs and related content to provide a wide range of information for everyone affected by the this virus can be found here.

Where to Learn More: