Skip nav to main content.
Mobile App
Find it for free on the App Store.
Get The App
Mobile App
Find it for free on the App Store.
Get The App

Free 55 Checking

All the perks without the cost

If you're 55 or older, this free checking account is made for you.

  • Overview

    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

    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 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

  • Rates
    Rates Effective as of: 12-01-2021

    Free 55 Checking Rates

    Free 55 Checking +*DividendAPY**
    $0.01 – $2,499.990.05%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 7/1/2021 and are subject to change. If interest is paid to another account, APY may vary.

  • 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.

    • Visit a Heartland branch, call us at (651) 451-5160 or (800) 813-9185 or email us at info@heartlandcu.com. You can also order checks online by visiting our Order Checks website.

    • No.

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

Open online in minutes.