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Checking Account

Manage your money your way

A personal checking account provides options and flexibility to meet your lifestyle and financial needs, allowing you to manage your money efficiently and economically. We’re certain to offer an account that exceeds your expectations.

Free Checking

A hassle-free account with no minimum balance, no monthly service fee, no statement fee—and no strings attached.


Free 55 Checking

We’ve designed a free checking account specifically for members age 55 and over. Enjoy the benefits of a free checking account, plus a few extra perks we threw in just for you.

55 and Over


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.

Earn Interest

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!

Elizabeth W

Compare all checking accounts

FeaturesFree CheckingFree 55 CheckingeCheckingRewards Checking
For you if:You want basic checkingYou are 55 and overYou want everything electronicYou keep a larger balance and want extra perks
Minimum opening deposit$30 $30 $30 $1000
Monthly service fee$0$0$0$10 or WAIVED if $1,000 min. balance
Earns Dividends NoYesNoYes
Free non-Heartland ATM Withdrawals per month551010
Free “Heartland” style checks (1 box per year)NoYesNoYes
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

Checking Account Disclosures

*Excludes Mortgage, Credit Card and Ready Cash Plus Loans