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Personal Savings Accounts

Heartland Basic SavingsEarns Interest 6 Free Debits Minimum Daily Balance Maintenance Fee eStatements
  • Interest paid on balances of $50 or more
  • Six free debits per month*; thereafter, $.50 per debit
  • Free monthly e-Statements with Online Banking
  • Open an account online

Heartland Premium Savings Earns Interest 6 Free Debits Minimum Daily Balance Maintenance Fee eStatements
  • Tiered interest rate
  • Six free debits per month*; thereafter, $15 per debit
  • $5 monthly maintenance fee (waived with $500 minimum daily balance)
  • Free monthly e-Statements with Online Banking
  • Open an account online

Heartland Money Market SavingsEarns Interest 6 Free Debits Minimum Daily Balance Maintenance Fee Free Checks eStatements
  • Tiered interest rate with limited check-writing capability
  • Six free debits per month*; thereafter, $15 per debit
  • $10 monthly maintenance fee ($10,000 minimum daily balance to waive maintenance fee)
  • First order of basic checks free of charge
  • Free monthly eStatements with Online Banking
  • Open an account online

Certificates of Deposit Offered in terms of 1 month to 60 months Earns Interest Interest distribution options available

Option Certificates of DepositMake an additional deposit Withdraw 50% without penalty Increase rate once Only one option Limited Availability
  • CD that offers additional optionality, with limited availability
  • Only one option can be exercised during the term of the CD
    • Make an additional deposit not to exceed the initial principle deposit - OR
    • Withdraw up to 50% of opening balance without penalty - OR
    • Increase rates once, should interest rates rise

Individual Retirement AccountFixed or Variable Rate Term Options Earns Interest

  • Fixed or variable rate products available
  • Term options available for IRA certificates
  • Competitive interest rates

Health Savings AccountEarns Interest Minimum Daily Balance Maintenance Fee Free Checks Debit card access
  • Tiered interest rate
  • $4 monthly maintenance fee (waived with $1,500 minimum daily balance or ownership of an additional Heartland Bank deposit account)
  • First order of basic HSA checks free of charge
  • Debit card access is available
  • Additional Details

*Federal regulation places a monthly limit on the number and type of transactions you may make from the above accounts.