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.
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.
High-Yield Checking
For those who want to earn more on their balance, plus enjoy extra perks.
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 | High-Yield Checking |
| For you if: | You want basic checking | You are 55 and over | You want everything electronic | You want to earn more |
| Minimum opening deposit | $30 | $30 | $30 | $30 |
| Monthly service fee | $0 | $0 | $0 | $0 |
| 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 | No |
| 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
