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Free Checking Account

An account that's actually free

Manage your money your way with free checking —no hassle and no strings attached.

  • Overview

    All of the benefits, none of the fees

    We believe you shouldn’t lose your hard-earned money to fees, which is why our Free Checking account offers all the services you need—completely free of charge.

    Low minimum opening deposit

    We want getting started to be easy.

    No monthly fees

    Have we mentioned it’s free?

    No balance requirements

    We want this account to work for you.

    Two Options

    Free checking for any lifestyle

    Enjoy a free checking account that lets you easily manage your money in the way that works best for you.

    Open Account Online


    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.

    Learn More   Open Account Online


  • 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$30 $30 $30 $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

  • 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 You can also order checks online by visiting our Order Checks website.

    • No.

I grew tired of bank fees and charges and when it came time to "make a move", I did, to HCU.  I'm so glad I did.  I know the faces, I know the names, and with a location convenient to me, I feel I've got it all.  It's the no-fee lifestyle for me!  Thanks, HCU.  And thanks for being in my community!  

Fawn Allen

Checking in the palm of your hand

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

Open online in minutes.