With Free 55 Checking, you enjoy the benefits of Free Checking, plus a few extra perks we threw in just for you. This account includes free money orders, a free box of “Heartland” style checks per year, free official checks, and even earns interest with no minimum required balance.
Low minimum opening deposit
Open with as little as $25.
No monthly fees
Have we mentioned it’s free?
No balance requirements
Plus, this account earns interest.
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
Rates Effective as of: 03-30-2023
Free 55 Checking Rates
Free 55 Checking +* Dividend APY** $0.01 – $2,499.99 0.05% 0.05% $2,500 + 0.05% 0.05%
*$25 min. to open'
+ Checking Accounts: Dividends are compounded and paid monthly. Dividends calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Dividends will accrue on the business day your deposits are posted to your account.
**APY is annual percentage yield. Rates quoted are in effect 3/1/2023 and are subject to change. If interest is paid to another account, APY may vary.
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.
Visit a Heartland branch, call us at (651) 451-5160 or (800) 813-9185 or email us at email@example.com. You can also order checks online by visiting our Order Checks website.
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Free 55 Checking
All the perks without the cost
If you're 55 or older, this free checking account is made for you.
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!
All personal free checking accounts come with:
Online Banking & Bill Pay
Monitor your accounts, transfer funds, pay bills and more.Learn More
Mobile Banking and Mobile Deposit
Get instant access to your account through our mobile banking app, which features mobile check deposit.Learn More
MasterCard Debit Card
Enjoy easy access to your money with a Heartland MasterCard debit card—at stores, online or ATMs.Learn More
Paper or eStatements
View your statements securely online or receive them in the mail—whatever you prefer. We'll never fee you for either.Learn More
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.Learn More
Over 63,000 Surcharge-Free ATMs
Get money when you need it, without the fees.