Victory Community Bank 



Now that Victory Community Bank has become Heartland Bank, we realize that you might still have questions. This Q&A hopefully answers some of them as we have completed the conversion and are now one bank. We are excited about the opportunities now available to our new clients.


Q: Can you tell me more about Heartland Bank?

A:   Heartland BancCorp is a registered Ohio bank holding company that has elected financial holding company status and is the parent of Heartland Bank, which operates 19 full-service banking offices, and TransCounty Title Agency, LLC.  Heartland BancCorp is currently quoted on the OTC Markets (OTCQX) under the symbol HLAN.  Heartland Bank, founded in 1911, provides full-service commercial, small business, and consumer banking services; professional financial planning services; and other financial products and services.  Heartland Bank is a member of the Federal Reserve, a member of the FDIC, and an Equal Housing Lender.  Learn more about Heartland Bank at Heartland.Bank.

In May 2019, Heartland was ranked #44 on the American Banker Magazine’s list of Top 200 Publicly Traded Community Banks and Thrifts based on three-year average return on equity (“ROE”) as of December 31, 2018.


Q: Why did Victory Community Bank and Heartland Bank merge?

A: This merger is an excellent opportunity to combine two well-respected financial institutions with a history of providing exceptional service to our clients and a strong commitment to the communities we serve. Together we offer increased regional size and strength, a more sophisticated product mix, and additional opportunities for our clients, associates and communities that wouldn’t be possible separately.


Q: Has the conversion affected my Victory Community Bank CD or IRA?

A: No. The terms and conditions of your CD or IRA will remain the same.


Q: Does the conversion change the terms and conditions of my Victory Community Bank loan?

A: No. The terms and conditions of your loan will remain the same.


Q: Will branch phone numbers, locations and operating hours change after the conversion?

A: No. All branch phone numbers, locations and operating hours will remain the same.


Q: Who should I contact if I have questions with my account?

A: Please call your local branch or Heartland’s Client Services at 800-697-0049 for questions regarding your account. You may also email us at Info@Heartland.Bank or chat with us at Heartland.Bank. A representative will respond during regular business hours.



Q: What will happen to the VCB website?

A: Beginning on Monday, September 28, 2020, the VCB website will be redirected to the Heartland Bank website.


Q: Do I need to re-enroll in Heartland’s Online Banking?

A: Yes. To continue to utilize online banking services, you must enroll in Heartland’s Online Banking on or after September 28, 2020.


Q: Can I enroll in Bill Pay without being an Online Banking client?

A: No. You must enroll in Online Banking first, and then you will have access to Bill Pay.


Q: Will I continue receiving eStatements? 

A: No. All VCB customers will first default to paper statements. You can sign up for eStatements via Online Banking from our website at Heartland.Bank or mobile app.



Q: Will my automatic transfers, automatic loan payments, and direct deposits continue?

A: If you currently have automatic transfers, automatic loan payments, and direct deposits set up, these services will continue for a limited period of time after the conversion. On or after September 28, you will need to update account information with your payees to reflect the Heartland Bank routing number. This does not include Online Banking or Bill Pay which will both require enrollment and re-establishment of automatic features.


Q: Will the service charges associated with my account change?

A: Depending on your account, your service charges may change. Please review the Heartland Bank checking and savings account products on page 4 of the Transition Guide mailed to all clients for more details. As a courtesy to all VCB clients, all service charges between September 26, 2020, and October 31, 2020, will be waived.


Q: What happens if I have a Health Savings Account?

A: Your existing Health Savings Account will be transferred to Heartland Bank.



Q: Can I still view my loan and make a loan payment online?

A: Yes. You will be able to view your loans and make loan payments online. To do so, you must first enroll in Heartland’s Online Banking on or after Monday, September 28, 2020.


Q: My loan payment is automatically deducted from my deposit account. Will that service continue?

A: Yes. Automatic transfers and payments will continue.

Online Banking: Convenience, Security, Additional Financial Features-Read More!

Do you currently receive eStatements from your checking or savings accounts at Victory?