Skip nav to main content.
Heartland Logo and Homepage Link Heartland Credit Union Logo Heartland Credit Union Logo
Rates
Mobile App
Find it for free on the App Store.
Get The App
Mobile App
Find it for free on the App Store.
Get The App

High-Yield Checking

Boost your checking balance

Unlock higher rates with a High-Yield Checking Account

Open Account Online Contact Us
  • Overview

    We believe your money should work as hard as you do. With a High-Yield Checking Account you’ll have easy access to your money, with the added opportunity to earn a higher rate just for using your account. Simply, meet the monthly requirements and you’ll earn a higher dividend rate on balances up to $20,000.** Here’s how:

    • Set up a $500 minimum monthly qualified direct deposit.* (Don’t worry, we make setting this up easy and will walk you through it.)
    • Make a minimum of 20 debit card purchases per month.+

    It’s that simple!

    Plus, this account features:

    • 10 free ATM withdrawals per month at non-Heartland owned ATMs.
    • Free Overdraft Coverage from your Savings account.
    • Loan Discount, when payments are automatically made from this checking account.
    • Free Money Orders.
    • Free Official Checks.
    • Free standard-size safe deposit box for one year.

    Low minimum opening deposit

    Open with as little as $30.

    No balance requirements or monthly fees

    We designed this account to work for you with no minimum balance requirements and no monthly fees.

    Access to over 67,000 Surcharge-Free ATMs

    Enjoy the convenience of over 67,000 surcharge-free ATMs across the country to give you access to your money without the extra fees.

  • Compare

    Compare All Checking Accounts

    FeaturesFree CheckingFree 55 CheckingeCheckingHigh-Yield Checking
    For you if:You want basic checkingYou are 55 and overYou want everything electronicYou want to earn more
    Minimum opening deposit$30 $30 $30 $30
    Monthly service fee$0$0$0$0
    Earns Dividends NoYesNoYes
    Free non-Heartland ATM Withdrawals per month551010
    Free “Heartland” style checks (1 box per year)NoYesNoNo
    Free Statements (Paper or eStatements)YesYeseStatements requiredYes
    Free Online Banking With Bill PayYesYesYesYes
    Free Mobile Banking YesYesYesYes
    Free Overdraft Coverage from Savings AccountYesYesYesYes
    Loan Discount* (when payments are made automatically from your Heartland checking account)YesYesYesYes
    MasterCard Debit Card YesYesYesYes
    Free Money OrdersNoYesNoYes
    Free Standard Size (3X10) safe deposit box for 1 yearNoNoNoYes
    Free Official ChecksNoYesNoYes

    *Excludes Mortgage, Credit Card and Ready Cash Plus Loans

  • Rates
    Rates Effective as of: 01-02-2025

    High Yield Checking Rates

    High-Yield Checking +**^DividendAPY**
    $0.01-$20,000 (requirements met)4.91%5.00%
    $20,000.01+ (requirements met)0.05%0.05%
    $0.01+ (requirements not met)0.00%0.00%

    + Dividends are compounded and paid monthly. Dividends calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Dividends will accrue on the business day your deposits are posted to your account. If requirements are met, a higher rate will be paid for the first $20,000 and a lower rate will be paid for any amounts over $20,000. If requirements are not met, you will not earn a dividend rate on your entire balance. 

    **APY is annual percentage yield. Rates quoted are in effect 1/1/2025 and are subject to change. If interest is paid to another account, APY may vary.

    ^ Requirements:
    1. Have a minimum monthly qualified direct deposit of $500 in salary, pension, social security or other regular income electronically deposited through the Automated Clearing House (ACH) network to this checking account by an employer or an outside agency.
    2. Make 20 debit card purchases. Conduct a minimum of 20 debit card purchase transactions made in good faith, initiated and cleared per calendar month.

  • FAQs

    • With over 63,000 surcharge-free ATMs across the country you have many options to avoid paying a fee. Find a surcharge-free ATM today

    • Yes. With the Heartland Card Manager App you can lock and unlock your card to protect yourself if it’s lost or stolen, plus much more.

    • To report a lost or stolen Debit or ATM card please call (800) 449-7728. Representatives are available 24 hours a day to help you.

    • You can request a new card through Heartland Online Banking, send us a message through Heartland Mobile Banking, call us at (651) 451-5160 or (800) 813-9185 or visit a branch.

    • Yes, with the Heartland Credit Union Mobile Banking app you can snap a picture of your check through the app and deposit it to your account.

    • Heartland Credit Union Mobile Banking and Heartland Online Banking are available to give you access to your account 24/7.

    • Heartland’s routing number is 296075535

    • To view our current fees you can access the Personal Fee schedule and Business Fee schedule. You may also contact us with any questions at (651) 451-5160 or (800) 813-9185.

    • Generally, debit card limits are: $300 for ATM withdrawals and $2,500 for point of sale purchases. These limits may differ based on account history and activity. They can also be adjusted if you contact us (651) 451-5160 or (800) 813-9185.

    • At a Shared Branch you can cash checks, make deposits and withdrawls, make loan payments and loan advances, transfer money between accounts and purchase money orders and official checks.

      Locate Shared Branch

    • We’ve partenered with credit unions across the nation, through the Shared Branching network, to give you access to your Heartland accounts at their locations – that’s over 5,000 credit unions nationwide. Use the Co-Op Shared Branching website to locate a Shared Branch.

    • Visit a Heartland branch, call us at (651) 451-5160 or (800) 813-9185 or email us at [email protected]. You can also order checks online by visiting our Order Checks website.

—

I cannot tell you how much we love Heartland.  Everything and everyone about Heartland makes our lives so much easier.    

Dawn & Patrick
More Success Stories Share Your Story

All personal checking accounts come with:

Open online in minutes.

Open Online Contact Us
High-Yield Checking Disclosures

* Have a minimum qualified $500 in direct deposit of salary, pension, social security or other regular income electronically deposited through the Automated Clearing House (ACH) network to this checking account by an employer or an outside agency.
+ Conduct a minimum of 20 debit card purchase transactions made in good faith, initiated and cleared per calendar month.
** Dividends calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Dividends will accrue on the business day your deposits are posted to your account. Dividends are compounded and paid monthly. If requirements are met, a higher rate will be paid for the first $20,000 and a lower rate will be paid for any amounts over $20,000. If requirements are not met, you will not earn a dividend rate on your entire balance.