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Overview
The trees will thank you
Enjoy all the perks of a checking account—just without the paper. We’ll even deliver your statement electronically for free. Plus, you can take advantage of a 0.50% loan rate discount when payment is made automatically from your Heartland Checking*.
Low minimum opening deposit
Get started with as little as $30.
No monthly fees
We want this to be simple and easy.
Discounted loan rate
Set up automatic loan payments from your Free Checking and we’ll drop your loan rate 0.50%+.
All electronic access
Make purchases or withdraw cash with a Heartland Debit Card. Pay your bills with Heartland Online Bill Pay, featured in Heartland Online Banking. Receive your statements electronically through Heartland Online Banking.
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Compare
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
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FAQs
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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
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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.
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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.
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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.
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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.
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Heartland Credit Union Mobile Banking and Heartland Online Banking are available to give you access to your account 24/7.
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Heartland’s routing number is 296075535
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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.
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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.
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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.
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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.
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Online Banking
Alert
Viewing this page on a mobile device? Access your personal accounts through our Mobile Banking app instead - designed for mobile devices.
Get the AppeChecking
Your paperless eChecking account
Let your checking account go green with our eChecking account.
What can I say about Heartland that I haven’t already said? Their Bill Pay is just my favorite thing!
Checking in the palm of your hand
Manage your checking account and so much more with Heartland Mobile Banking.
All personal checking accounts come with:
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Online Banking & Bill Pay
Monitor your accounts, transfer funds, pay bills and more.
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Mobile Banking and Mobile Deposit
Get instant access to your account through our mobile banking app, which features mobile check deposit.
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MasterCard Debit Card
Enjoy easy access to your money with a Heartland MasterCard debit card—at stores, online or ATMs.
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Paper or eStatements
View your statements securely online or receive them in the mail—whatever you prefer. We'll never fee you for either.
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Overdraft Coverage
Life is busy and from time to time anyone can lose track of how much money is in their checking account. That's why we've got options to help you when you need available funds.
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Over 63,000 Surcharge-Free ATMs
Get money when you need it, without the fees.
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Open online in minutes.
eChecking Disclosures
+Excludes Home Free, Home Equity Line of Credit, Mortgage, Credit Card and Ready Cash Plus Loans