Free Business Checking
This business checking account is perfect for start-ups, home-based businesses and small businesses with 200 or fewer transactions per month that maintain a lower balance.
Free
Business Checking
This business checking account is a great fit for a larger business with a daily balance of $5,000 or more and higher transaction volume.
Earn Interest
There’s a lot of really neat people at Heartland. That’s what makes it so easy to do business here.
Tom
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| Features | Free Business Checking | Business Checking |
| For you if: | You have a home-based or small business with 200 or fewer transactions per month | You have a larger business with a daily balance of $5,000 or more and higher transaction volume |
| Minimum opening deposit | $30 | $30 |
| Minimum balance | $0 | $5,000 average daily balance of all business account deposits |
| Monthly service fee | $0 | $10 or WAIVED if average daily balance of all business accounts is $5,000 |
| Earns Dividends | No | Yes |
| Checking Clearing Fee/Deposit Item Fee | $0 for 0-200 items. $0.50 per item for 201 or more | $0 for 0-200 items. $0 for 201 or more if $5,000 min. balance is met. $0.05 for 201 or more if $5,000 balance is not met |
| Unlimited electronic debits and credits | Yes | Yes |
| Free non-Heartland ATM Withdrawals per month | 5 | 10 |
| Free Statements (Paper or eStatements) | Yes | Yes |
| Free Online Banking | Yes | Yes |
| Free Overdraft Protection from Savings Account | Yes | Yes |
| MasterCard Debit Card | Yes | Yes |
