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Extended Coverage

Not enough funds in your checking account to cover your everyday debit card or ATM transaction? Extended Coverage has you covered.

    Mistakes happen—we get it. Whether you miscalculated your checking balance or simply forgot to transfer funds, we’re here to help with Extended Coverage as part of our Privilege Pay overdraft program. As part of the Privilege Pay program, personal accounts have two options: Standard Coverage and Extended Coverage.

    Transactions Covered with Privilege PayStandard Coverage (no action required)Extended Coverage (your consent required on personal accounts)++
    ACH - Automatic DebitsXX
    Recurring Debit Card TransactionsXX
    Online Bill PaymentsXX
    Teller Window TransactionsXX
    ATM TransactionsX++
    Everyday Debit Card TransactionsX++

    Why would I want Extended Coverage?

    Simply put, if you choose Extended Coverage, your everyday debit card and ATM transactions will be processed if you don’t have the funds available in your account. If you do not choose Extended Coverage, these transactions will be declined. For example:

    • Imagine you’re at the grocery store checkout with $300 worth of groceries in your cart, but your account only has a balance of $270. Would you want your debit card transaction to clear?
    • You’re out of town and your car breaks down. You have $285 in your checking account, but the cost to fix it is $400. Would you want your debit card transaction to clear?
    • You’re on vacation and need cash. You need $200, but your account only has $150. Would you want to be able to withdraw $200?

    Protect yourself from the unexpected with Extended Coverage. It costs you nothing to have available, but has you covered in an emergency.

    If you would like Extended Coverage, complete the Extended Coverage Consent Form. Or you can call us at (651) 451-5160 or visit a Heartland Branch.

    For other important information, please review the What Else You Should Know document by logging into your Online Banking and clicking “Privilege Pay.” Please note, you can discontinue Privilege Pay in its entirety by contacting us at (651) 451-5160 or sending us an email at [email protected].

    ++If you choose Extended Coverage on your consumer account, ATM transactions and everyday debit card transactions will be included with the transactions listed under Standard Coverage. If you already have Privilege Pay Extended Coverage, it is not necessary to request it again. Business accounts automatically have Extended Coverage.