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eChecking

Your paperless eChecking account

Let your checking account go green with our eChecking account.

  • 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 0.25% loan rate discount when payment is made automatically from your Heartland Checking*.

    Low minimum opening deposit

    Get started with as little as $25.

    No monthly fees

    We want this to be simple and easy.

    No balance requirements

    We want this account to work for you.

    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.

  • Compare

    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$25 $25 $25 $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 Protection 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

     

     

  • 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.

    • 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.

    • No.

    • You have several options.
      – We will automatically transfer money from your savings to cover the expense – no charge.
      – If you don’t have money in your savings for us to transfer we’ll automatically cover your check, ACH or recurring debit card transacations through our Privilege Pay program for a $30 fee (must qualify for the privilege pay program, no application needed). Please note, if you would like us to cover everyday debit card transacations with Privilege Pay simply ask us to opt you in.
      Ready Cash Plus Line of Credit Loan. For extra protection, you can apply for this line of credit loan and use it to automatically cover overdrafts. It costs you nothing to have available and only accrues interest when you use it. You can pay off the balance as quickly as you want to save on interest.

What can I say about Heartland that I haven’t already said? Their Bill Pay is just my favorite thing!  

Cindy X

Checking in the palm of your hand

Manage your checking account and so much more with Heartland Mobile Banking.

Open online in minutes.

eChecking Disclosures

*Excludes Mortgage, Credit Card and Ready Cash Plus Loans