Relationship Banking+

Why take advantage of Relationship Banking+?
 

Finances need your attention. Heartland's Relationship Banking+ is designed to provide peace of mind making your world a bit easier to manage.

Let Heartland share the difference a community bank can make:

• Exclusive rates and discounts
• Support from local bankers and financial planning experts
• Products and services to fit your needs
   

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 personal Heartland Advantage Checking account ^{[1] [2]}. Simply use the promo code provided by your Heartland Bank representative during the signup process.

Once you've opened a personal Heartland Advantage Checking account, a $50,000 balance must be maintained across checking, savings and/or Money Market Savings accounts to be eligible for the benefits included in this program. Keep in mind that security protocols and funding limits are in place for all online deposits. If you need assistance depositing funds for any account, please contact your Heartland representative or the Virtual Banking team.

Additional benefits to take advantage of:

• Checking:
  • Advantage Checking balances earn an enhanced rate of 2% APY ^{[1] [2]}
     
• Savings:
  • Special rates on Money Market accounts: Currently offering 4.75% APY ^[3]
  • Health Savings Account (HSA) with an enhanced rate of 3% APR ^[4]
     
• Loans:
  • $1,000 off closing costs on a mortgage loan with an automatic payment deduction from your Heartland Bank checking account ^[5]
  • Auto/vehicle discount with an enhanced discount of 0.50% APR off the current rate with autopay ^[6] 
  • Home Equity Line of Credit (HELOC) with an enhanced discount of 0.50% APR off the current rate with autopay ^[7]
     
• Other:
  • Credit card with UChoose rewards: Earn 1 point per $1 spent. ^[8]
  • Free incoming wires ^[9]

  • Complimentary Retirement Analysis with the Heartland Planning Associates team (up to a $500 value) ^[10]

  • Free safe deposit box upon availability ^[11]

  • Invitations to exclusive bank events ^[12]
     

Financial Wellness:

Heartland Bank can provide one-on-one consulting for solutions tailored to fit your needs and savings goals. But we don’t leave your side…Heartland understands that your needs are evolving, shifting and advancing. Our customer service will too!
 

Why Choose Heartland?

Heartland has a strong connection to the communities it serves, and our bankers often know their client’s families, businesses and goals for the future. Value-added relationships and top-notch customer service are our priority, but if you need a few more reasons:

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 take the first step?

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 Advantage Checking Account. Personal accounts only. Terms subject to change at any time.}

^{[2] APY = Annual Percentage Yield. Minimum balance to earn interest is $0.01. Minimum opening deposit of $25 required. The Heartland Bank Advantage Checking is a tiered rate account. The promotional APY of 2.00% is available for the following tiers: $2,500-$9,999.99; 10,000 - $24,999.99; and $25,000 plus. Tier of $0.01 - $2,499.99 is 0% APY.  The rate may change at any time as the Heartland Bank Advantage Checking is a variable rate account. Fees may reduce earnings. APY accurate as of 02/26/2024. Terms subject to change at any time.}

^{[3] 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 $25,000.  This is a tiered rate account.  The enhanced APY of 4.75%​ is available for the following tiers:  $25,000 - $49,999.99, ​$50,000 - $99,999.99; $100,000 - $499,999.99.   Regular rates apply to remaining tiers as follows:  $0.01 - $9,999.99 is 0.03% APY:  $10,000 - $24,999.99​ is 0.08%​ APY and $500,000+​ is 0.12%​ APY. The rate may change at any time as the Heartland Bank Money Market Savings Account is a variable rate account. Fees may reduce earnings. ​Rate will return to current Money Market Savings rate if program requirements are no longer met.  Personal accounts only. Terms subject to change at anytime.}

^{[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 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 $1,000.00. 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] .50% APR off of the current standard 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 .50% 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 8.00% 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 $61.37 to $67.95 and one final balloon payment of $10,067.95. 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] Wire transfer fee of $15.00 per incoming transaction is waived. Terms subject to change at any time.}

^{[10] Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Heartland Bank and Heartland Planning Associates are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Heartland Planning Associates, and may also be employees of Heartland Bank. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Heartland Bank and Heartland Planning Associates.  Securities and insurance offered through LPL or its affiliates are:}

^{The LPL Financial registered representatives associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.}

^{Heartland Bank ("Financial Institution") provides referrals to financial professionals of LPL Financial LLC ("LPL") pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for brokerage or advisory services. Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html.}
 

^{[11] 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.}

^{[12] Terms subject to change at any time.}