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Business Checking
Business Checking Accounts
Managing your money is one of the most crucial parts of business operations. The principle is simple: your money should be earning money as often and for as long as possible. This is the uncomplicated philosophy behind the design of our business checking services. Whether you are a non-profit organization, business corporation or a local mom & pop shop, we have the right business product to fit your needs.
For more information on our business products, contact your local office or click here to request to be contacted. We would be happy to assist you in finding the right checking account for your business!
| Banking Benefits |
Free Business Checking |
Business Checking |
Non-Personal Money Market Checking |
| Account Suggested if… |
You want a free account. |
You require high volume activity. |
You are a sole proprietor, a non-profit organization or a business that wants the ability to write checks and still earn interest. |
|
Interest |
No |
No |
Yes |
| Free Internet Banking |
Yes |
Yes |
Yes |
| Business Check Card Access |
Yes |
Yes |
Yes |
 Debit Card Security |
Yes | Yes |
Yes |
| Minimum Opening Deposit |
$50.00 |
$50.00 |
$100.00 |
| Minimum to Avoid Account Maintenance Charge |
n/a |
Annual earnings allowance less reserve requirements may offset some or all monthly service charges. |
$500.00 |
|
Monthly Maintenance Charge |
n/a |
$7.75/month |
$7.00 |
|
Activity Fees |
n/a |
$.18 each item over 50 |
None with minimum daily balance of $500.00 |
| Excess Activity Fees |
After 100, $0.385 per check paid, deposited item and ACH |
n/a |
$.30 for every item over 20 items per statement cycle |
Free Business Checking
Heartland Bank's Free Business Checking is the ideal account for small businesses, sole proprietorships or any business with low deposit activity, lower account balances and more basic banking needs.
Business Checking
The Heartland Bank Business Checking product is best suited for customers who have a higher volume of activity in their checking account, but still want to maintain the easy account access and personalized service of a community bank.
Non-Personal Money Market Checking
Non-profit, organizations, sole proprieters and businesses love this account that provides a higher rate of interest on deposits. Heartland Bank wants to make sure that you are getting the most out of your community banking relationship. This account is available to the following customers:
- Sole Proprietorships
- Organizations Operating Not for Profit
- Independent School Districts
- Husband and wife opening a unincorporated business
- Local Housing Authorities
- Residential Tenants Security Deposits
- Redevelopment Authorities
- Escrow Funds, Trust, IOLTA/IOTA and other Fiduciary Accounts
- Labor Unions
- Pension Funds
- Trade Associations
- Fraternal Organizations
- State University Systems
- State and Local Government Units
- Organizations Operating for "Religious, Charitable, Educational, or similar purposes"
- Hospital Districts in Ohio
- Non-Profit Hospitals
| No matter your business needs, we can help place you in the account to best suit you! For more information on our business checking accounts, contact your local office or click here to request to be contacted. |
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