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Free Business Checking

Designed for your small business

A Heartland Free Business Checking account is ideal for companies who have 200 or fewer transactions per month and maintain a lower balance.

  • Overview

    We’re here to help you grow.

    Take your start-up, home-based business or small business to the next level with a Heartland Free Business Checking account. This account can be opened with as little as $30 and has no minimum daily balance or monthly maintenance fee. Plus, with your Free Business Checking account, the first 200 deposits and checks cleared each month are free (then $0.50 per item), and you get five free ATM withdrawals per month at non-Heartland owned ATMs.

    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.

    Ready Cash Plus Loan

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

    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.

    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.

  • Compare

    Compare Business Checking Accounts

    FeaturesFree Business CheckingBusiness Checking
    For you if:You have a home-based or small business with 200 or fewer transactions per monthYou 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 DividendsNoYes
    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 creditsYesYes
    Free non-Heartland ATM Withdrawals per month510
    Free Statements (Paper or eStatements)YesYes
    Free Online BankingYesYes
    Free Overdraft Protection from Savings AccountYesYes
    MasterCard Debit CardYesYes
  • 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 by visiting our Order Checks website.

    • No.

    • 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 control which types of transactions are approved or denied, such as online purchases, international purchases and more.

    • 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

We would not hesitate to use more of the services offered by Heartland and know we are getting the best available.

Mary Jo & Jim S

Manage Your Account Online

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