Free Checking
A hassle-free account with no minimum balance, no monthly service fee, no statement fee—and no strings attached.
eChecking
A check-less account that gives you access to your money with a MasterCard debit card, online banking with bill pay, mobile banking, eStatements and more.
Rewards Checking
For those who keep a larger balance and want extra perks like earning interest, a free box of checks each year and more.
iSave Youth Checking
It’s never too early to learn how to manage money, and this account is built to help parents teach their teens how to do just that.
My experience with Heartland was so quick and painless. Worked with two associates, because I opened a checking account at the same time in order to have my auto loan, savings, and checking all in one place. So simple and easy. I have a better rate interest rate on my auto loan now!
Compare all checking accounts
| Features | Free Checking | Free 55 Checking | eChecking | Rewards Checking |
| For you if: | You want basic checking | You are 55 and over | You want everything electronic | You keep a larger balance and want extra perks |
| Minimum opening deposit | $25 | $25 | $25 | $1000 |
| Monthly service fee | $0 | $0 | $0 | $10 or WAIVED if $1,000 min. balance |
| Earns Dividends | No | Yes | No | Yes |
| Free non-Heartland ATM Withdrawals per month | 5 | 5 | 10 | 10 |
| Free “Heartland” style checks (1 box per year) | No | Yes | No | Yes |
| Free Statements (Paper or eStatements) | Yes | Yes | eStatements required | Yes |
| Free Online Banking With Bill Pay | Yes | Yes | Yes | Yes |
| Free Mobile Banking | Yes | Yes | Yes | Yes |
| Free Overdraft Coverage from Savings Account | Yes | Yes | Yes | Yes |
| Loan Discount* (when payments are made automatically from your Heartland checking account) | Yes | Yes | Yes | Yes |
| MasterCard Debit Card | Yes | Yes | Yes | Yes |
| Free Money Orders | No | Yes | No | Yes |
| Free Standard Size (3X10) safe deposit box for 1 year | No | No | No | Yes |
| Free Official Checks | No | Yes | No | Yes |
*Excludes Mortgage, Credit Card and Ready Cash Plus Loans
Checking Account Disclosures
*Excludes Mortgage, Credit Card and Ready Cash Plus Loans
