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Business Checking

Made for your business

Manage your cash flow effectively with our Business Checking Account.

  • Overview

    Meet the needs of your growing business

    The Heartland Business Checking account is designed specifically for larger businesses that have a daily balance of at least $5,000 and higher transaction volume. Enjoy benefits such as monthly dividends, 10 free ATM withdrawals per month at non-Heartland ATMs and unlimited free deposits and checks cleared each month when $5,000 minimum is met.

    Unlimited free deposits and checks cleared

    Available each month if $5,000 minimum balance is met.

    Free ATM Withdrawals

    Enjoy 10 per month at non-Heartland owned ATMs.

    Earns monthly dividends

    Help your account grow.

    Ready Cash Plus Loan

    Add an extra layer of protection against unexpected costs or overdrafts with a Ready Cash Plus Line of Credit Loan.

    Free statements

    Choose between paper or eStatements.

    Free online banking

    Manage your money with a few simple clicks with our online banking.

    MasterCard® Debit Card

    Access your money for purchases or at over 63,000 surcharge-free ATMs with a Heartland MasterCard Debit Card.  

    Shared Branching

    Can’t make it to a Heartland branch? No problem. Conduct your Heartland business at over 5,000 credit unions nationwide through the Shared Branch network.

    Overdraft Coverage

    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.

  • Rates
    Rates Effective as of: 07-23-2024
    Business Checking +*DividendAPY**

    * $30 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 7/1/2024 and are subject to change. If interest is paid to another account, APY may vary.

  • FAQs
    • 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 protected]. You can also order checks online at

    • Yes. A minimum average daily balance of $5,000 on all account deposits is required to avoid a monthly fee.

    • 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

    • 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, call us at (651) 451-5160 or (800) 813-9185 or visit a branch.

    • Yes. With the Heartland Card Manager App you can set a spend limit per transaction or by month. If the limits are exceeded the transacation will be denied.

    • Yes. With the Heartland Card Manager App you can receive texts for every transaction or choose specific types of transactions based on location, dollar amount, merchant types and transactions types.

    • 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.

    • Heartland Online Banking is available to give you access to your account 24/7.

    • You have two options.
      – We will automatically transfer money from your savings to cover the expense – no charge.
      Ready Cash Plus Line of Credit Loan.For extra protection, you can apply for this line of credit loan and use it to automatically cover overdrafts. It costs you nothing to have available and only accrues interest when you use it. You can pay off the balance as quickly as you want to save on interest.

    • Heartland’s routing number is 296075535

It's amazing that world class service in the financial industry still exists these days.  I'm a customer of a very large bank and can assure you the service I have received from the Heartland staff has blown me away.

Chris J

Manage Your Account Online

Manage your business account online anytime, anywhere with Heartland Online Banking.