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Relationship Banking

Why take advantage of Relationship Banking?
 

At Heartland, we prioritize financial fitness, offering exclusive products, services, and a range of financial tools and resources. With our Relationship Banking program, we provide opportunities for saving and enhancing overall financial well-being. Heartland welcomes you and looks forward to sharing all the values that a community bank has to offer.
 

Relationship Banking:

To access the full benefits of our Relationship Banking program and enjoy the advantages listed below, the first step is to open a Heartland Bank Checking account [1]. Simply use the promo code provided by your Heartland Bank representative during the signup process. The Heartland Checking account has no minimum balance and offers benefits like free Heartland Bank ATM transactions, online banking, mobile deposit, Bill Pay, unlimited check writing and more. 

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Additional benefits to take advantage of:

  • Savings:

    • No monthly maintenance fee on a Heartland Savings account [2], with an enhanced rate of 3% APY [3]
    • Health Savings Account (HSA), enhanced rate of 3% APY [4]
       
  • Loans:
    • $250 off closing costs on a mortgage loan with automatic payment deduction from your Heartland checking account [5]
    • Auto loan discount of 0.25% APR off the current rate with autopay [6]
    • Home Equity Line of Credit (HELOC) discount of 0.25% APR off the current rate with autopay [7]
       
  • Other:
    • Credit card with UChoose rewards: Earn 1 point per $1 spent [8]
    • Free safe deposit box (3in x 5in) [9]


Financial Wellness:

Financial wellness is not always at the top of the list when it comes to yearly, or even monthly, checkups. You wouldn’t want to skip your annual physical, and your Heartland Banker doesn’t want you to skip your financial checkups either. One-on-one sessions and financial fitness presentations are available to you at any time – you’ve got questions – we’ve got answers!

 

Why choose Heartland?

Here are a few reasons to make the switch to Heartland Bank:

  1. Relationships matter – you’re not just an account number; you are a valued client
  2. We keep your banking and decision-making local
  3. Heartland invests in the communities it serves and volunteers there too!
  4. Call us – we’ll answer…not just a machine, but a real person!
  5. Bankers are accessible and excellent advisors to help navigate your finances

 

Ready to Get Started?

Simply open a Heartland Checking account using the promo code provided by your Heartland representative. Questions about your promo code? Contact your Heartland representative or our Virtual Banking team today. We’re here for you every step of the way!

 

 

[1] Offer available to new checking account clients only. $25 minimum to open a Heartland Checking Account.​ Personal accounts only. Terms subject to change at any time.

[2] Offer available to new savings account clients only. $25 minimum to open a Heartland Savings Account. Terms subject to change at any time.

[3] APY = Annual Percentage Yield. Minimum balance to earn interest is $0.01. No minimum balance required to earn the enhanced APY of 3.00%. The rate may change at any time as the Heartland Bank Savings Account is a variable rate account. Fees may reduce earnings. APY accurate as of 02/26/2024. Terms subject to change at any time.

[4] APY = Annual Percentage Yield. Minimum balance to earn interest is $0.01. Minimum opening deposit of $25 required. $4 monthly maintenance fee is waived with ownership of Heartland Bank deposit account. The Heartland Bank Health Savings Account is a tiered rate account. The enhanced APY of 3.00% is available for the following tiers: $0.01-1,499; $1,500-$4,999; and $5,000 +. The enhanced rate to all tiers is guaranteed for 6 months from the date of account opening. The rate may change at any time as the Heartland Bank Health Savings Account is a variable rate account. Fees may reduce earnings. APY accurate as of 02/26/2024. Contact your banker for eligibility requirements. Health Savings Accounts are subject to IRS requirements. Terms subject to change at any time.

[5] All mortgage applications are subject to credit review and approval. Discount is valid on new applications only.  The client will receive a closing cost credit on their closing disclosure up to the amount of $250.00. This offer is only available to Heartland Bank mortgage clients. This is not a commitment to lend. Additional restrictions/conditions may apply. Applies only to close-end mortgages.  Not valid with any other discounts or promotions. Terms subject to change at any time.

[6]  .25% APR off the current rate is good for the life of the line if enrolled into automatic payments from a Heartland Bank consumer checking account. Other rates and terms available. All auto loans subject to credit review and approval. Not valid with any other discounts or promotions. Terms subject to change at any time.

[7] Annual Percentage Rate (APR). Prime minus .25% APR good for the life of the line if enrolled into automatic payment from a Heartland Bank consumer checking account. This is a variable rate that will adjust when the Prime Rate is published in the Wall Street Journal on the last day of the month, currently at 8.50% as of 02/26/2024. If the Prime Rate changes, your interest rate, and payment will adjust accordingly. Maximum interest rate is 24%. Minimum line amount of $25,000.00. A consumer checking account must be opened prior to the closing. $25.00 minimum deposit required to open a Heartland Checking or Advantage Checking. Floor rate is equal to 4.25%. Your rate may also be different depending upon your credit history. Maximum line amount is $500,000. Loan term is ten years. Draws and payments can be made during the entire term of the loan. Lines over $250,000 may require title insurance. Any loans outside our current markets of Ohio and Kentucky may incur additional fees, including but not limited to, mortgage recording fees and title fees, at the cost of the borrower. Minimum monthly payment for a HELOC is 1% of the outstanding principal balance, but never less than $100 unless the outstanding principal balance is less than $100. Payment will fluctuate month to month. A balloon payment may result. There is an annual fee of $50.00 that is waived the first year and is applicable every year thereafter. Property insurance is required.  Flood insurance may be required. 1-4 family owner occupied properties only. Property must not be currently listed for sale. Interest only HELOC products are also eligible for this offer. For interest only HELOCs, the loan term is three years. Minimum monthly payment is the interest owed on the principal balance at the time it bills each month, so it will fluctuate month to month. A credit advance of $10,000 at an annual percentage rate of 8.25% would take 3 years to pay off, with no other credit advances made during that period. During that period, you would make 35 monthly payments ranging from $63.29 to $70.07 and one final balloon payment of $10,070.07. This offer is valid for new equity lines only. Subject to credit approval and appraisal. Consult a tax advisor about the deductibility of interest. Other rates and terms available. Not valid with any other discounts or promotions. Terms are subject to change at any time.

[8] Annual Percentage Rate (APR) is 16.50% - 20.50% as of 02/26/2024 for purchases, balance transfers and cash advances depending on product selected. APR will vary with the market based on the Prime Rate. APR calculated by adding a margin (interest percentage) to the value of an index. Index used is the “Prime Rate” published in the Wall Street Journal on the 3rd Tuesday of the prior month preceding the first day of the billing cycle. Margins used to add to the Prime Rate for Purchases and Balance Transfers are: 8.0% -12.0% depending on product selected. Cash advance APR is 24.99%. The minimum interest charge is no less than $1.00. Cash Advance fee of $2.00 or 3.0% of the amount advanced up to $50.00. Foreign transaction fee is up to 1% of converted amount. Late payment and returned payment fees are up to $30.00 but not greater than the minimum payment amount. All credit cards are subject to credit review and approval. Terms subject to change at any time.

[9] Complimentary Safe Deposit Box (3in x 5in) is subject to availability. Not insured by FDIC or any other government agency. Terms subject to change at any time.